The OneRoof Radio Show

So you want a loan to buy a property. 

The bank sifts through all the money that's gone in and out of your accounts going back an uncomfortable amount of time, and give you a number they're willing to lend you.

You think to yourself, the process is so long and gruelling, and they require so much of your usually private documents, that surely you can afford to meet those repayments - right? 

Wrong. 

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Have you ever walked into a home and thought - there was so much potential and it's all been lost. 

A room with limited natural light, painted in dark shades and made to look smaller than it is. A poorly shaped couch that throws off the whole room. Or one that we see all too often - old, outdated lighting that can make a gorgeous home immediately look neglected.

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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'...

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...

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...

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 acce...

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. ...

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 pre...

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 wh...

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 -...

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 ev...

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...

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 chang...