Claim OwnershipThe OneRoof Radio Show
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Home is where the heart is, and there’s no question that Kiwis LOVE property. Newstalk ZB’s OneRoof Radio Show is a full-house of property talk, tips and tricks.
Leading industry experts join us to discuss and debate the latest in market trends, investments, DIY and much more. Step inside The OneRoof Radio Show and make yourself at home.
Leading industry experts join us to discuss and debate the latest in market trends, investments, DIY and much more. Step inside The OneRoof Radio Show and make yourself at home.
363 Episodes
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For a long time, the kiwi dream has been to do whatever it takes to get onto the property ladder and work your way up from there, but some investors are moving away from that advice - instead suggesting that it might be a better idea to rent and put your money elsewhere. It's not just the cost of the property and the mortgage repayments. You're paying to maintain the property in a way you wouldn't be if it were a rental, you're covering rates, insurance, and all the other little costs that add up pretty quickly. That's money that some investors argue could be spent on investments, or on a rental of your own that would at least bring some return. LISTEN ABOVESee omnystudio.com/listener for privacy information.
It's pretty common these days when buying a house to throw in a couple conditions with your offer. You're going to want a building report, your bank may want a property valuation before they agree to insure the property, and most commonly - you may need to sell your home first before your able to settle on the next one. But for a seller, any one of these could be a deal breaker - and could mean a lower offer is accepted over yours just because it's unconditional. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Who hasn't at some stage in their life been a landlord or tenant? For many people, it's the first time they have to think about contracts and legal obligations - but are there red flags which should have you as a landlord rejectying a particuolar tenant - and like wise as a tenant that have you looking for somewhere else to live. LISTEN ABOVESee omnystudio.com/listener for privacy information.
New builds and townhouses alike have become the best option for first home buyers looking to get into the market. Townhouses offer a lower-cost alternative to standalone homes without having to fully commit to apartment living, and new builds often mean low-deposit loans and easier access for first home buyers. Problem is, the boom of new build townhouses is quickly slowing down - they're no longer classed as new builds, thus no longer as easy of a first option. It's not just a problem for potential buyers - it also means that those looking to sell the townhouses they purchased new a few years back, are waiting much longer for them to sell for not much more than what they were purchased for. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Mum and dad investors are pulling out of the property market. The housing market is shifting to focus on the needs of your everyday owner-occupier, but the demand for rentals as still as high as ever and it doesn't look like that will change any time soon. The problem is that, among other reasons, the cost of running a rental is at an all time high, debt-to-income and loan-to-value ratio rules have blocked a lot of access to funding, and long-term capital gains aren't what they once were - all leading to more professional property investors. LISTEN ABOVESee omnystudio.com/listener for privacy information.
If you're declaring yourself as the bank of mum and dad, you'll need to have some conversations with your children about what they can afford - and what happens if that changes. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Westpac's economists are picking 6 consecutive OCR hikes from December - they're forecasting that it will hit 4% by the end of next year. The OCR dropped to 2.25% just before Christmas, which is where it stands now, but there have been rumblings for some time that we'd start seeing hikes soon, as all major banks lifted long-term loan rates. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Those in the market to buy a new home either know or will learn very quickly, that an agent is essential in the process. Sure, we can search agency websites and windows ourselves, or scroll through OneRoof after work every day - but we're doing ourselves a disservice if we don't have an agent keeping an eye out for a place with the right metrics for us. Here's the problem - these agents legally work for the seller. LISTEN ABOVESee omnystudio.com/listener for privacy information.
New Zealand's biggest bank, ANZ, has downgraded its forecast for property prices this year. It says its previous forecast of 5% is looking unrealistic as the OCR looks to be making a turn soon and market prices are already falling - now saying a 2% rise is more likely. Meanwhile, economists are laying out their predictions for when we'll see the OCR make that turn. Many say it won't be until 2027, but some are predicting a rise as soon as the second half of this year. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Normally when property comes up in discussion, it's focused on the plight of the youngsters who are fighting to get on to the property ladder. But today, we're switching it up a bit. Your house is likely the most expensive thing you own, that applies for everyone who's lucky enough to own one. So how do you manage your money with it? How old is too old to be investing in property? Are you worried that you've left it too late? At what point does it stop being worth it? Managing director of property investment company Opes Partners Andrew Nicol joins Tim Beveridge to give advice on property investment. LISTEN ABOVESee omnystudio.com/listener for privacy information.
The no-consent granny flat law changes came in this week. That means you can build an up-to-70sqm dwelling in your backyard without having to ask the council if you're allowed to. Getting one set up on your property would set you back at least $200,000, but the question on minds of anyone with enough space for something like this is - how much value will it add? They can be rented out for a bit of passive income - but it may not be worth the trouble of getting it fit to rent. LISTEN ABOVESee omnystudio.com/listener for privacy information.
From tax changes to interest rates to regulation changes, there's an ever growing list of reasons for kiwis to be a bit more hesitant to invest in property. Now with changes to foreign buyers laws, we may be staring down the barrel of a completely different property market. So here's the question, has the model for property investment fundamentally changed? How are investors going about it these days, and is it even worth it? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Not even two years ago, we were comparing our rent increases to those of places like Singapore and New York City. But today, many parts of the country are seeing rents tumble. So what does it mean for 2026? Should tenants be making their move to secure a place? Or is it the landlords who should be locking in reliable tenants before things start to change again? And from this month, pets are officially allowed in rentals. A landlord can't turn down a tenant solely for bringing a pet with them - but that along with other notes on your application can make a landlord hesitant. LISTEN ABOVESee omnystudio.com/listener for privacy information.
For as long as most of us will be able to remember, the Kiwi dream has meant a 3 or 4 bed home with a deck out the back and just enough grass to need a mower. It's represented putting down roots and starting a family with a sense of security in owning your own place. But after years now of rising house prices and interest rates going up and down quite rapidly, I've been wondering whether our property obsession has changed - and whether it's a temporary change or a permanent one. LISTEN ABOVESee omnystudio.com/listener for privacy information.
It's one of the most important decisions a homeowner will make when putting their property on the market - choosing the your method of sale. You've got auctions, asking price, price by negotiation, and my least favourite - tender - but which method is the most attractive to buyers? And which gives sellers the best chance of getting the highest possible price? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Head of Banking and Valuation Risk at Valocity, David Grubb, joins Tim Beveridge for the OneRoof radio show. LISTEN ABOVESee omnystudio.com/listener for privacy information.
You're ready to sell our getting your final bits in order to get your property on the market. You don't have the time nor energy to give the whole house, inside and out, a lick of fresh paint, or redo your landscaping, or renovate your slightly out of date kitchen. So what are the areas that are most important to get sorted before listing your property? And for the buyers - what are you better off ignoring when it comes to property marketing? It could be the features that look grand in the listing photos but mean very little in real life, or scuffed flooring that may just need a polish. LISTEN ABOVESee omnystudio.com/listener for privacy information.
There's a lot of uncertainty around the property market at the moment. In the past decade alone, we've seen the introduction of the brightline test, the relaxing of the brightline test, countless policies making life harder for investors and landlords, and now the looming question of capital gains tax. But how much does the government actually influence whether we buy and sell, and at what price? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Labour has introduced their Capital Gains Tax policy after it was leaked to the media last week. If implemented, it would mean a 28% tax on any profits made from house sales excluding the family home. So what would a tax like this do to the property and rental markets? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Most prospective buyers know how much they can borrow, but how much should you borrow? Banks will often be happy to lend buyers an eye-watering amount of money, right at the top of what they can afford, but that doesn't mean buyers will be happy once those repayments kick in. Not mention five years down the line, when interest rates aren't as low as they once were, and wages aren't increasing at the same rate. So how can people actually work out their own borrowing limit - one that allows for the odd night out or weekend away? LISTEN ABOVESee omnystudio.com/listener for privacy information.
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