The OneRoof Radio Show

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.

After yet another OCR cut, economists and mortgage holders alike are holding their breath for December - the last announcement of the year. A new report from Infometrics suggests the Reserve Bank may be taking the cuts too far, and risking an overstimulated economy. Most forecasts have predicted more cuts coming, but it's possible that Dr Anna Breman may have a different way of handling things. LISTEN ABOVESee omnystudio.com/listener for privacy information.

A few weeks ago, a developer pre-sold most of its eight planned heritage-style weatherboard townhouses in two Auckland projects. They plan to bring more of their cookie-cutter housing designs to Auckland, and aims to revive the styles of homes prevalent in many older suburbs. But having a suburb full of similarly designed houses seems like it'd make neighbourhood dull, especially if they're bunched up together as councils plan to intesify - that in turn, would affect prices, and would make any changes you make to the property stick-out like a sore-thumb. So what are the pros and cons of cookie-cutter builds? what DIY projects could we do to boost our home's appearance? And what would we bring in an architect for? Daniel Marshall is the Owner/Director of Daniel Marshall Architects and joins Tim Beveridge for the OneRoof Radio Show... LISTEN ABOVESee omnystudio.com/listener for privacy information.

House prices have been flat or are falling, it's hard to miss. Many owners are trying to quickly sell up - whether it be to fund their retirement, or simply because the rental market just isn't as profitable as it used to be. Analysts reckon this will mean a lot of younger people finally getting the opportunity to get on the property ladder. But there's one thing keeping a lot of potential buyers hesitant... Thirty percent of agents say that buyers are concerned property prices will drop further after they've purchased, leading to potential buyers holding off for lower prices. So how do you deal with the fear of overpaying? How can you be sure you're entering the market at the right time? Martin Cooper is the Managing Director at Harcourts Cooper & Co and he joined Tim Beveridge for the OneRoof Radio Show. LISTEN ABOVESee omnystudio.com/listener for privacy information.

While it's all good and well to discuss where the property market is today, or try to predict the next OCR update, the key to predicting a property boom lays in market conditions during past booms. LISTEN ABOVESee omnystudio.com/listener for privacy information.

For many of us, the roof is one of those things that completely slips the mind until it's raining inside. RoofBuddy founder and director James Logan joins to discuss roof maintenance, and when it's time for a new one. LISTEN ABOVESee omnystudio.com/listener for privacy information.

PropertyScouts director Ryan Weird joins the OneRoof Radio Show to discuss the need for regulation for property managers. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Chris Bishop has openly called for house prices to fall, saying we need to be channeling more money into the economy rather than having it locked up in housing. The Prime Minister says we need modest and consistent increases in property prices, to ensure the economy is growing. So what is actually best for New Zealand and the economy? CEO of The Property Lifestyle, Nichole Lewis, joins for the OneRoof Radio Show. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Buyers agents are one of those things we all know is there, but rarely use them. They're often seen as a luxury in the world of buying houses, but are they worth the splurge? Bryan Thomson is the Managing Director at Harcourts, and he joins the OneRoof Radio Show to explain how you can find the right agent. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Most homeowners who have bought and sold have been through the stress of timing things perfectly. They need to sell their home before their offer on the next one is accepted, but they don't want to sell too soon and risk having to move out before closing on the next house. Martin Cooper is Managing Director AREINZ at Harcourts Cooper & Co, joining the OneRoof Radio Show to discuss timing your buying and selling. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Auckland house sales were up over 9% last month, and listing nationwide were up 14%. It seems things are starting to pick up - but prices have remained fairly steady. LJ Hooker Head of Network Campbell Dunoon joins Tim Beveridge to discuss. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Property investment has long been thought of as the way to make passive income. It's money coming in without the 40 hours a week - but is it really as passive as we all think? Investment coach Debbie Roberts from Property Apprentice joins Tim Beveridge for the OneRoof Radio Show. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The median rent has dropped for the first time since 2009. The nation saw a 0.3% drop over three months, but the hardest hit was Auckland - dropping 2% over the past year. CEO of Real Estate at Valocity, Helen O'Sullivan, joins Tim Beveridge to discuss what's going on. LISTEN ABOVESee omnystudio.com/listener for privacy information.

A 19 year old welder recently bought his first home - in part crediting his purchase to driving a cheap car. We all know you've got to make sacrifices to get into the market, so how are people making their way onto the ladder? LISTEN ABOVESee omnystudio.com/listener for privacy information.

New reports show the to cost to build is up. The OCR was also left unchanged this week - and it's expected to stay at 3.25% Should buyers look into property now before the costs and OCR go up again, or should they wait it out? How can we make that call - is it on gut instinct, or the numbers? Infometrics Principal Economist and CEO Brad Olsen joins Tim Beveridge for the OneRoof Radio Show... LISTEN ABOVESee omnystudio.com/listener for privacy information.

Apartment blocks are being heralded as the best way to get on the property-ladder, but is there a better route? Will these properties be worth it? How confident can we feel with where the market's heading with intensification? Additionally: Wellington house prices are dropping, but what risks are there for buyers? Andrew Dickens is joined by Property Expert Nichole Lewis... LISTEN ABOVESee omnystudio.com/listener for privacy information.

Houses are projected to be worth 20% less in 2030 due to inflation. For buyers, does that mean entering the property ladder is hopeless? How can they get the most value for their property? What renovations give the best bang-for-buck? Tim Beveridge is joined by Property Investment Advisor Ilse Wolfe... LISTEN ABOVESee omnystudio.com/listener for privacy information.

Inflation is raising house prices, and lowering its value at the same time. For buyers, the number that ultimately matters is how much they pay for their property. So how can they negotiate the best deal? Tim Beveridge is joined by Property Apprentice Financial Adviser Debbie Roberts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Homeowners in Auckland might be shocked to see their properties valued 9% less than last year. How concerned should they be? Tim Beveridge is joined by Harcourts Cooper & Co Managing Director Martin Cooper. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Winter is upon us, the heaters are turning on and likely won't be turned off until the spring. With winter comes hundreds of house fires caused by electrical issues - issues that most wouldn't think twice about. Tim Beveridge is joined by Master Electricians CEO Alexandra Vranyac-Wheeler. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Most people won't search around too much before choosing an agent to help them sell their house, but they do play a significant role, so how should you be choosing the right one? Head of Network at LJ Hooker, Campbell Dunoon, joins for the OneRoof Radio Show. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Data shows New Zealand could be losing out on foreign capital with uncertainty around residential property rules for overseas buyers. So what are the drawbacks to loosening property restrictions and opening borders? LISTEN ABOVESee omnystudio.com/listener for privacy information.

Data shows an increase in the number of days rental properties stand empty before being tenanted - for some regions, it's up to 35 days on average. So, in a country where it used to be a nightmare to get a rental, who has to try harder? Mike Atkinson from Aspire Property Management joins Tim Beveridge on The Weekend Collective. LISTEN ABOVESee omnystudio.com/listener for privacy information.

A neighbourhood in Christchurch has 24 new builds up for grabs - but you have to be over 45 to buy them. The rules are more relaxed than retirement villages. Your family can come with, but at least one of the owners has to be over the age limit. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Standalone homes, townhouses, and apartments - which is the most profitable? CEO of Real Estate at Valocity joins Tim Beveridge to discuss property types and values. LISTEN ABOVESee omnystudio.com/listener for privacy information.

How can a three bedroom built in the '90s sell for significantly more than a new build of a similar size right down the street? Driving through established suburbs, it's pretty easy to tell what has been built in the past five years, because they all look exactly the same. Providing a higher quantity of housing has come at the cost of heritage and individuality. LISTEN ABOVESee omnystudio.com/listener for privacy information.

This week, property investment expert Ilse Wolfe joined Tim Beveridge to explain how to make the most out of your investment property. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Reserve Bank has dropped the OCR by another 25 basis points this week, putting it at 3.50%. Many homeowners would have rushed to refix or float while waiting for the announcement in December, but at what point is it worth breaking your mortgage for a lower rate? LISTEN ABOVESee omnystudio.com/listener for privacy information.

Gone are the days of buying an investment property so affordable that the rent covered the mortgage. But is the golden age of property investment really over - or just on hold? Ed McKnight from Opes Partners says property can't be a short term investment. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Generation Z are almost twice as likely to sell a home without an agent compared to the national average. 45% of Gen Z-ers are open to buying with a friend or sibling. They're entering the market differently - and it's working. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Interior designer Melissa Greenough joins to cover the basics of decorating your home. LISTEN ABOVESee omnystudio.com/listener for privacy information.

New data from CoreLogic shows we're at the best level of property affordability since before Covid. While rent costs are waiting to catch up, the difference between mortgages and annual salaries is closing in. LISTEN ABOVESee omnystudio.com/listener for privacy information.

With all of the recent changes to tenancy laws, and the added costs to landlords, the power balance between the two is shifting. Property Manager Mike Atkinson joins to discuss the biggest and most frequent issues between tenants and landlords. LISTEN ABOVESee omnystudio.com/listener for privacy information.

A recent report found that women lag behind men in investment property ownership, despite a fairly even result for owner-occupied homes. Nichole Lewis joins to discuss why the numbers are so off, and how you can start from zero. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Every home owner is bound to have to deal with renovations at some point, whether it's buying a fixer-upper or upgrading an outdated bathroom. Isle Wolfe from Wolfe Property joins to discuss how much buyers need to set aside for renovations, and where to start. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Auction. negotiation, tender, fixed price... There are many options when it comes to the method in which you sell or buy a house - but which is the best? LISTEN ABOVESee omnystudio.com/listener for privacy information.

This week, QV released the average RV data for homes in the capital - a dramatic 24.4% drop in three years. But how much does your RV really matter? LISTEN ABOVESee omnystudio.com/listener for privacy information.

Spending on home renovations dropped by 13% last year as kiwis tighten their wallets. Are we looking at a year of outdated houses at luxury prices? LISTEN ABOVESee omnystudio.com/listener for privacy information.

An entire village is up for sale - and it will only put you out $2.9 million. Lake Waitaki Village in North Otago is up for grabs once again - fitted with eight three-bedrooms houses, a five-bedroom lodge, and a list of other amenities. But why is it so reasonably priced? LISTEN ABOVESee omnystudio.com/listener for privacy information.

ASB has cut its 18 month fixed term loan rate to 5.39% following cuts by Westpac and BNZ. All three of the banks' six-month rates are now at 5.99% as they fight to be the bank of choice for mortgages. This comes alongside rumours of a foreign buyer ban reversal - with experts saying it could work, but rules need to be more flexible. LISTEN ABOVESee omnystudio.com/listener for privacy information.