Leverage Addicts

In this episode, we’re diving deep into the current mortgage landscape in New Zealand as we approach the festive season and beyond. Joining us is Jason Lai from Mortgagehq, a seasoned expert in the NZ housing market who has guided countless homebuyers through the complexities of financing.Learn more: https://mhq.co.nz/mortgage/whats-happening-in-the-nz-mortgage-market-heading-into-2025/

In today’s episode, we’re joined by Mike Jones, Chief Economist at the Bank of New Zealand, to explore the latest insights on the NZ housing market. With over two decades of experience in economics and financial markets, Mike provides a deep dive into key trends, forecasts, and the economic factors influencing New Zealand’s housing landscape. From market recovery indicators and interest rate impacts to regional disparities and housing supply dynamics, we discuss what to expect in 2025. Mike also offers valuable advice for first-home buyers, investors, and sellers navigating the current and upcoming market conditions. Tune in for expert analysis on how to approach the NZ housing market and prepare for the future!Learn more: https://mhq.co.nz/property-investment/will-the-nz-housing-market-improve-in-2025/Property pulse reports: https://blog.bnz.co.nz/author/mike-jones

What’s happening with Auckland Watercare, and how is it impacting property development? In this episode, we unpack the latest Watercare constraints, the effects of medium-density residential standards, and the new plan changes for driveways. Dive into what these updates mean for property developers and explore the latest developer contribution figures. Stay informed on how Auckland Watercare changes are shaping the future of urban development in the city!Learn more: https://mhq.co.nz/property-investment/auckland-watercare-changes-impact-on-property-developers/Disclaimer: This video is for entertainment purposes only and is not financial advice. Opinions in relation to acquiring or disposing a financial product are general in nature. It is not guidance or a recommendation. Before you make any financial decisions, we recommend you contact a financial advisor. More information about our services is available on our website, mhq.co.nz.

Is 2025 set to ignite the New Zealand property market? In this video, Nick Goodall, CoreLogic's Head of Research, shares expert insights and the latest trends to uncover what the future might hold. From in-depth market analysis to key economic indicators, we cover everything you need to know. Whether you're a buyer, seller, or investor, this is essential viewing for anyone keeping an eye on the NZ property market. Stay ahead and prepare for what 2025 could bring!Learn more: https://mhq.co.nz/property-investment/property-market-insights-is-2025-the-year-the-nz-property-market-takes-off-again/

Get the latest housing market news in this insightful episode! Discover the top 10 houses sold for under $1 million, uncover the standout auction of the week, and dive into the most recent auction clearance rates. Plus, we break down an $87,000 profit case study from a quick four-week property flip. Stay updated and informed on the latest trends and opportunities in the housing market. Tune in now!Learn more: https://mhq.co.nz/press-release/flipping-a-house-and-making-87k-in-four-weeks-housing-market-news-housing-market-news/

Thinking about buying a house at auction? In this must-watch video, New Zealand's top auctioneer, Robert Tulp, shares invaluable insights into the auction process. As the winner of the 2024 REINZ Auctioneering Championship and with over three decades of real estate experience, Rob reveals the secrets to successfully buying a house at auction. Whether you're a first-time homebuyer or an experienced investor, you'll get expert tips on navigating the auction floor and avoiding costly mistakes. Don’t miss out on this chance to learn from the best—watch now and get prepared for your next auction!Learn more: https://mhq.co.nz/house-buying/nzs-top-auctioneer-spills-secrets-what-you-need-to-know-before-buying-a-house-at-auction/Contact Robert: https://www.apolloauctions.co.nz/team/rob-tulp

Economist Jarrod Kerr shares his insights on the latest OCR update, following a significant 50-point drop in the Official Cash Rate. In this video, Jarrod unpacks the impact of this change on the economy, interest rates, and your personal finances. Discover what this OCR update means for you and what to expect in the months ahead. Gain expert analysis from a seasoned economist on this key Reserve Bank decision.Learn more: https://mhq.co.nz/property-investment/ocr-update-economist-jarrod-kerr-reacts-to-another-50-point-ocr-drop/Read more: https://www.kiwibank.co.nz/business-banking/thrive-hq/kiwi-economics/commentary-insights/the-rbnz-cuts-50bps-with-more-cuts-to-come-but-the-end-game-is-higher/

Get ready for a major shift in the housing market! The OCR interest rate has dropped again and heading into 2025, and it's crucial to understand what this means for your financial future. Whether you're a seasoned investor or just starting out, this video will provide you with the insights and knowledge you need to navigate the changing landscape of the economy. So, what does this mean for you? Watch to find out!Learn more: https://mhq.co.nz/press-release/breaking-news-ocr-50-point-interest-rate-drop-what-it-means-for-buyers-sellers-in-2025/

Barnaby Marshall is a leading figure in New Zealand's venture capital scene, currently serving as a Partner at Icehouse Ventures. With a rich background in both entrepreneurship and venture capital, Barnaby co-founded the fashion brand I Love Ugly and has made strategic investments in companies such as Jasper, Tracksuit, Extraordinary, and Dawn Aerospace. His journey showcases his passion for driving the success of startups and supporting entrepreneurial growth through venture capital.Contact Barnaby: https://www.icehouseventures.co.nz/Learn more: https://mhq.co.nz/tips-tools-strategies/how-to-build-a-successful-company-with-passion-and-venture-capital-in-nz/

This week’s housing market news is packed with jaw-dropping updates. A house in Auckland reportedly sold for just $2—yes, two dollars! We’ll share what we know about this incredible story. Additionally, seven homes in Auckland sold for under $1 million last week, proving affordable options are still out there. Auction highlights include a waterfront gem on the North Shore and the best price of the week in Devonport. We’ll also dive into the latest Watercare infrastructure map, which reveals it could take over a decade to install essential services in large parts of Auckland, raising concerns for future developments. Stay tuned for all the latest insights into the Auckland housing market!Learn more: https://mhq.co.nz/press-release/did-a-house-really-sell-for-just-2-housing-market-news/

NEW UPDATE: If you’re a developer wanting to add affordable housing to the Auckland market then you could be in for a nasty shock. Watercare, the Council Controlled Organisation has released a map which shows they can’t supply large parts of Auckland, for some it could be over a decade before they can put in the pipes! What does this mean with Auckland’s current population of 1.75 million forecast to grow by 13 per cent in the next 10 years? Best selling author and former lawyer Dave Whitburn returns… a former president of the property investor association… Dave has just completed a 74 unit new build in West Auckland.Learn more: https://mhq.co.nz/property-investment/latest-update-auckland-housing-market-homeowners-blindsided-by-watercare-nightmare/GIS Map: https://shorturl.at/elD9v

If you're a developer planning to contribute affordable housing to the Auckland housing market, brace yourself for a major hurdle. Watercare, the Council-Controlled Organisation, has released a map indicating it could take over a decade to install necessary infrastructure in large parts of Auckland. With the city’s population of 1.75 million projected to grow by 13% in the next decade, what does this mean for housing supply? Best-selling author and former lawyer Dave Whitburn, also a past president of the Property Investors Association, shares his insights. Having recently completed a 74-unit new build in West Auckland, Dave dives into the implications for Auckland’s housing future.Learn more: https://mhq.co.nz/property-investment/auckland-housing-market-homeowners-blindsided-by-watercare-nightmare/GIS Map: https://shorturl.at/elD9v

Meet Robert Tulp, New Zealand's top property auctioneer and winner of the 2024 REINZ Auctioneering Championship. With over 30 years of experience in real estate, Robert's journey began as an agent before becoming a master of the gavel. A four-time runner-up and a former Harcourts Auctioneer of the Year, he’s here to provide exclusive insights into the world of property auctions. Discover what happens behind the scenes and learn from the best in the business!Learn more: https://mhq.co.nz/tips-tools-strategies/property-auction-the-secrets-behind-new-zealands-top-auctioneers-success/

Looking to break free from the mortgage cycle and become mortgage-free in New Zealand? In this video, we’ll walk you through powerful strategies to help you eliminate your mortgage and work toward earning $80,000 in passive income. From effective budgeting and smart investments to creating multiple income streams, we cover the steps to help you achieve financial independence. Whether you’re a first-home buyer or a seasoned investor, these insights will fast-track your journey toward a mortgage-free life. Ready to escape the mortgage trap and build a future of financial freedom? Watch until the end for actionable tips!Learn more: https://mhq.co.nz/mortgage/become-mortgage-free-in-nz-and-earn-80000-passive-income-with-these-proven-strategies/

Curious about how to structure a mortgage for faster repayment? Discover how to use Blandon’s Revolving Credit Facility to accelerate your journey to homeownership in New Zealand! In this video, we’ll break down the benefits of structuring your mortgage with a revolving credit facility, offering insights into how it works and tips to maximize its potential. Learn how a strategic mortgage structure can help you pay down debt faster and move closer to financial freedom. Say goodbye to lengthy mortgage payments and hello to a brighter financial future!Learn more: https://mhq.co.nz/mortgage/how-to-best-structure-your-nz-mortgage-to-pay-off-fast-using-revolving-credit-facility-with-blandon/

Unlock the benefits of a revolving credit facility and take control of your finances! In this video, we’ll break down how revolving credit works, revealing strategies to enhance financial flexibility and manage debt effectively. From understanding the ins and outs of credit limits to expert tips for managing revolving credit like a pro, we cover everything you need to know. Get ready to take charge of your financial future with revolving credit!Learn more: https://mhq.co.nz/mortgage/revolving-credit-facility-secrets-revup-your-finances/

Discover how to generate wealth by cultivating a millionaire mindset with purpose and passion! In this video, we’ll reveal the key principles and strategies successful wealth-builders use to unlock financial freedom. From setting clear financial goals to overcoming limiting beliefs, learn how to create a mindset geared for abundance and prosperity, while staying aligned with your core values. Get ready to shift your perspective, take practical steps, and start generating the wealth you've always envisioned.Learn more: https://mhq.co.nz/tips-tools-strategies/millionaire-mindset-generate-wealth-with-a-purposeful-millionaire-mindset/

Is fear keeping you from developing a millionaire mindset and reaching financial freedom? If you find yourself caught in cycles of self-doubt or negative thinking that prevent you from taking bold financial steps, this video is for you. We’ll dive into the common fears that often hold people back and share actionable strategies for overcoming them. Learn how to adopt a millionaire mindset by building confidence, shifting your perspective, and unlocking your full financial potential. Whether your goal is to pay off debt, grow your wealth, or live a more fulfilling life, this video will guide you toward a fearless, wealth-building mindset.Learn more: https://mhq.co.nz/property-investment/millionaire-mindset-are-fearful-thoughts-holding-you-back-from-financial-freedom/

Curious about architect fees and whether they're worth the investment? In this video, we break down what goes into an architect fee and explore if hiring an architect truly adds value to your project. From designing your dream home to overseeing construction, architects bring expertise that can transform ideas into reality. But with premium fees attached, is their service worth the cost? We’ll cover the pros and cons of hiring an architect and help you decide if their skills align with your budget. If you’re planning a build or just interested in the industry, this deep dive into architect fees is for you!Learn more: https://mhq.co.nz/property-investment/are-architect-fees-a-money-saver-or-a-wallet-melter/

Explore the evolving landscape of urban planning in New Zealand’s major cities! From Auckland to Wellington, Christchurch to Hamilton, this episode delves into the urban planning trends, technological innovations, and environmental influences set to shape these metropolitan areas over the next 30 years. Will sustainable infrastructure lead the way, green technologies become mainstream, or city centres transform into compact, connected hubs? Join us as we envision the future of New Zealand’s urban spaces and the exciting changes ahead.Learn more: https://mhq.co.nz/property-investment/urban-planning-in-nz-will-auckland-wellington-and-christchurch-be-unrecognisable-in-30-years/

Looking for practical budgeting advice? Are you guilty of overconfidence when it comes to your abilities? In this video, we'll explore the dangers of overconfidence and how it can drain your bank account. We'll discuss the common mistakes people make when they're too confident in their financial decisions. Learn how to identify the warning signs of overconfidence and take steps to protect your hard-earned money. By the end of this video, you'll have a better understanding of how to make informed financial decisions and avoid costly mistakes. Learn more: https://mhq.co.nz/tips-tools-strategies/budgeting-advice-will-your-over-confidence-drain-your-bank-account/

In this episode, commercial rental property expert Scott O'Neill, CEO & Founder of ReThink Group, delves into the differences between residential and commercial property investing. Scott shares his journey, advice for overcoming fears, and tips for balancing high returns with stability in commercial property. From top locations to beginner strategies and the potential of syndications, this episode is packed with insights to help you confidently navigate commercial property investments!Learn more: https://mhq.co.nz/property-investment/commercial-rental-property-say-goodbye-to-financial-stress/

In this episode, we dive into the ins and outs of a social housing contract and explore its benefits, challenges, and risks compared to traditional residential tenancies. From managing tenants to understanding the role of government policies, we cover how to protect your property, navigate contract renewals, and assess the ethical side of investing in social housing. Whether you’re considering this path or just curious, tune in for insights on what social housing contracts entail and what the future might hold for this investment strategy.Learn more: https://mhq.co.nz/property-investment/are-social-housing-contracts-worth-it/

In this episode, we break down key strategies to build wealth. From setting clear financial goals to using leverage effectively, we cover essential steps to grow your wealth. We also discuss the role of insurance, managing funds, and the ultimate endgame in wealth-building. Tune in for practical tips on how to take control of your financial future and reach your wealth-building goals!Learn more: https://mhq.co.nz/tips-tools-strategies/how-to-build-wealth-millionaire-mindset-mastery-for-2025-success/

In this episode, we explore the crucial role of a buyers agent in securing an investment property. Discover why having a buyers agent can simplify your property investment journey and help you navigate common challenges investors face when buying independently. We discuss how these professionals assist in making informed decisions, handle conflicts of interest, and the significance of their market knowledge. Whether you're a seasoned investor or just starting, this episode offers valuable insights into what makes a good buyers agent and how they can enhance your investment strategy. Learn more: https://mhq.co.nz/property-investment/why-you-need-a-buyers-agent-to-find-you-an-investment-property/

In this episode, we dive into the journey toward financial freedom and how to develop the millionaire mindset. We cover essential steps like setting clear financial goals, reallocating your income, and using practical examples to guide you through the process. If you're ready to take control of your finances and unlock financial independence, this episode is for you! Learn more: https://mhq.co.nz/tips-tools-strategies/achieve-financial-freedom-in-2024/

In this episode, we explore the latest trends and strategies for those looking to purchase property in New Zealand regions. We discuss how people are reacting to the recent OCR drop, regional price changes, and the differences between properties in regions versus urban centres. Discover what makes a good region size, popular property types, and how much equity you should aim for. We also look ahead to the next five years in regional property markets and offer advice for first-time regional investors. Learn more: https://mhq.co.nz/property-investment/why-should-you-purchase-property-in-small-town-regions-nz-why-the-risk-is-worth-it/

In this episode, we dive deep into the art of house negotiation. From key advice on negotiating with real estate agents to strategies for winning auctions, we cover it all. Learn how agents help buyers craft compelling offers, what happens if an auction doesn’t close, and how they handle property issues during the selling process. Whether you're buying or selling, this episode provides essential tips for navigating property deals with confidence. Learn more: https://mhq.co.nz/tips-tools-strategies/nz-real-estate-agent-house-negotiation-hacks-you-need-to-know/

In this episode, we explore the key factors to consider when buying property— the 3 C's: Capital Gains, Capital Improvement, and Cash Flow. Through real-life case studies, we break down how each element plays a vital role in property investment success. Whether you're new to the market or looking to refine your strategy, this episode provides valuable insights to help you make smarter decisions when purchasing property. Learn more: https://mhq.co.nz/tips-tools-strategies/guide-to-buying-property-the-3-cs-for-evaluating-investments-in-nz/

After a period of financial turbulence, the Reserve Bank has steered the economy to a more stable position, bringing CPI inflation down to 2.2%. It’s no small feat, requiring careful strategy, precision, and a bit of good fortune, much like navigating a yacht through the unpredictable waters of the Waitematā Harbour. As New Zealand celebrates taming inflation, it feels like we’re gearing up for another big win—much like reclaiming the America's Cup. Learn more: https://mhq.co.nz/press-release/cpi-inflation-falls/

In this episode, we explore why working with a mortgage adviser can be more beneficial than going directly to the bank. Simon discusses how advisers help you secure better interest rates, the role of credit cards in lending, and common mistakes first home buyers make. He also shares insights on when to refinance, the mortgage process for investors versus first home buyers, and offers key advice to navigate the property market successfully. Don't miss Simon's client success story and tips for staying updated on market trends.Learn more: https://mhq.co.nz/tips-tools-strategies/property-buying-tips-with-mortgage-advisor-simon-mcdonald/

In this episode, seasoned mortgage professional Jason shares insights on the most common financial challenges people face when buying a home. Jason reveals how thorough advisers are when reviewing client purchases, what shocks them about financials, and how credit cards can impact mortgage applications. He also discusses whether having an accountant helps with bank approvals and provides key advice for anyone applying for a mortgage. Perfect for first-time buyers or seasoned investors looking for expert guidance.Learn more: https://mhq.co.nz/mortgage/should-you-trust-a-mortgage-professional-soothing-your-financial-nerves-with-mortgage-advisor-jason-lai/

In this episode, we explore how Simon’s experience in the army shaped his approach as a mortgage broker. Simon discusses the discipline needed in financial planning, the surprising financial habits he encounters, and how credit cards can impact a mortgage application. He also shares his top advice for anyone preparing to meet with a mortgage adviser. Whether you're a first-time buyer or looking to refinance, Simon's insights are invaluable for making informed decisions in today's market.Learn more here: https://mhq.co.nz/mortgage/stress-free-mortgages-how-mortgage-brokers-can-help/

In this episode, we focus on tips for getting a mortgage in NZ and the benefits of working with a mortgage adviser instead of going directly to the bank. We cover key topics such as deposit requirements for first home buyers, how advisers help secure lower interest rates, and common first home buyer mistakes. Jason also shares a client success story and offers insights on how credit cards can affect your mortgage, along with tips on refinancing for both first home buyers and investors. Don't miss Jason's top tip before speaking to a mortgage adviser!Learn more: https://mhq.co.nz/mortgage/insider-tips-for-getting-a-mortgage-in-nz-expert-advice-from-mortgage-advisor-jason-lai/

In this episode, we dive into how mortgage interest rates are being affected by recent OCR cuts and how they’re shaping the housing market. We discuss the state of house listings, vendor pricing, and the accuracy of real estate agent appraisals. Why are some vendors selling now, and what's the best method for selling? We also explore what buyers are currently looking for and the common mistakes vendors make when listing a property. Stay tuned to understand how market shifts are influencing property decisions in New Zealand.Learn more here: https://mhq.co.nz/press-release/the-impact-on-mortgage-interest-rates-from-ocr-cuts-insights-from-top-real-estate-agent-emma-duncan/

In this episode, David shares property investment advice for NZ investors. We dive into where to find reliable property investing data and explore David's biggest lessons from his investment journey. Should you always listen to your lawyer's advice? David weighs in, along with how often he uses consultants in his property deals. Plus, we discuss the emotional aspect of investing and how it can impact your decisions. Tune in for valuable insights and strategies for navigating property investments in New Zealand.Learn more about David https://capitalhq.co.nz/maximise-your-returns-on-equity/

In this episode, we explore the 2024 NZ property market outlook and what investors and homeowners need to know for the rest of the year. We discuss the biggest challenges in property investing over the next 6 months, current market trends, and who the winners and losers are in today's economic climate. Our guest Frank Chen shares insights on how to successfully sell your house in the current market, the impact of government policies, and which regions might be the best to invest in. If you're wondering what the future holds for the NZ property market, this episode is for you!Learn more about Frank: https://capitalhq.co.nz/maximise-your-returns-on-equity/

In this episode, we dive into the biggest challenges in the NZ property market over the next 6 months with expert insights from David. From top property advice to achieving investment goals, David shares valuable tips for first home buyers navigating the market. We also discuss whether now is the right time to sell your house, and what factors to consider when making that decision.Learn more about David: https://capitalhq.co.nz/maximise-your-returns-on-equity/

In this episode, Frank shares valuable insights into common property investing mistakes in NZ. Learn why due diligence is critical, whether you should always follow your lawyer's advice, and what Frank considers the best advice he's ever received as a property investor. Whether you're a seasoned investor or just starting out, this episode will provide practical tips and lessons to help you make smarter investment decisions.Connect with Frank: https://capitalhq.co.nz/

In this episode, we dive into the question, "Should you buy negative cash flow property investments in NZ?" Learn about the Rule of 20 and how it applies to property investment strategies, including key examples, considerations, and its limitations regarding improvement value, borrowing capacity, and capital gains predictions.20 case studies: https://mhq.co.nz/20-case-studies-of-mum-and-dad-investors-buying-8-5-gross-yield/Masterclasses: https://mhq.co.nz/upcoming-masterclassesProperty Formula Workshop: https://mhq.co.nz/lp-mortgage/property-formula-workshop/

In this episode, Simon shares how to become a successful adviser in NZ. He explores his journey in property investing, insights on his current investments, development goals, key investment philosophies, and valuable lessons from past experiences. Learn about strategies for finding and negotiating deals, forecasts on yields and interest rates, and tips for first-time investors. Simon also discusses the impact of being a mortgage adviser on his investment success and his approach to mentoring future advisers. Don't miss this deep dive into property investing!Contact Simon: https://mhq.co.nz/staffmember/simon-mcdonald/

The Hedonic Index explained — a tool that could revolutionise your approach to property investment. Nick Goodall from Core Logic discusses OCR cuts, interest rate predictions, and explores how the Hedonic Index works, its unique factors like floor plans and zoning, and how it can benefit both property investors and first-home buyers. Tune in to learn how to leverage the Hedonic Index for smarter investment decisions, understand its benefits, and recognise its limitations.Contact Nick: https://www.corelogic.co.nz/about-us/our-people/authors-and-speakers/nick-goodallHedonic Index: https://www.corelogic.co.nz/our-data/hedonic-index

In this episode, Jane Wang shares how to build equity through property development. She shares insights into her property portfolio, including her journey into property development and the concept of landbanking. She discusses her first investment, the challenges of property development, and offers practical tips for beginners. Jane also covers the use of second-tier lenders and makes property price predictions for the next 18-24 months. Whether you're new to property investing or looking to expand your knowledge, this episode is packed with valuable information.Contact Jane📱 027 761 3341

In this episode, we discuss why you need bitcoin in your portfolio. Darcy shares his insights on why crypto is a valuable addition to a diversified portfolio, addresses common concerns, and provides practical steps for beginners. Discover recommended portfolio ratios and explore how crypto’s role in long-term investment strategies is evolving. Contact Darcy: https://ungaro.co.nz/contact-us/

Have you ever wondered how to become a top successful in New Zealand? Yan is an up-and-coming top adviser and investor with a rich background, including international experience. Hosted by Andrew, we dive into Yan’s journey and the strategies that have shaped his career.Contact Yan: https://mhq.co.nz/staffmember/yan-huang/

In this episode, Zhiyang, a top NZ adviser 2024 shares his journey on how he got to where he is now.Contact Zhiyang: https://mhq.co.nz/staffmember/zhiyang-cheng/

In this episode, I share 7 pieces of financial advice I would give my younger self. Reflecting on my journey since 2015, I dive into the importance of starting early, investing in mentorship, building a supportive network, developing a strategic framework, thinking long-term, maintaining financial resilience, and evaluating opportunity costs. Whether you're new to investing or looking to refine your strategy, this episode offers valuable insights to help you achieve financial freedom.

In this episode, Scott shares his journey into real estate, focusing on commercial property, and reveals key lessons from his career and personal experiences. He also provides insights into the New Zealand property market, discusses his expansion plans, and offers advice for Kiwis looking to achieve financial freedom through smart investments.Contact Scott: https://www.rethinkinvesting.com.au/property-investment/high-net-worth-investors/?gad_source=1&gclid=CjwKCAjw74e1BhBnEiwAbqOAjAZNVsCYw_84ACEbsz9d3xLi07VHA5Lerh-oHBy52zbwe71NidflnhoCZfQQAvD_BwE

In this episode of Leverage Addicts, we dive into Don's business secrets. We learn his business philosophies and learn from his best and worst business deals. Discover the SLED analogy, Don's insights on future interest rates in business, and his top tips for new business owners. Finally, hear Don's thoughtful approach to giving back.

In this episode, we discuss how we became the Top Mortgage Brokerage in NZ. Discover how mortgagehq was founded, the fears and doubts we faced, and the key mentors who guided us early on. Learn about our team scaling process, the challenges we encountered, and the moments we thought we would fail. We also share our most valuable lessons and what's next for mortgagehq. Mortgage lifecycle quiz: https://mhq.co.nz/the-mortgage-lifecycle-your-pathway-to-financial-freedom/