Rent vs. Buy in 2025: Why “Cheaper Now” Could Cost You More Later

Send Us A Message! Let us know what you think.Topic #1:  Stuff 10th of December - Capital crunch: Central Wellington now has the cheapest property in the countryTopic #2: RNZ 9th of December - GST used to be 10%, is it going to rise again?Topic #3: Interest.co.nz  11th of December- Average asking prices on Trade Me Property cooled in most regions in NovemberTopic #4: RNZ 9th of December - The OCR is down, so why are home loans rising?Topic #5: Financial Markets Authority 11th of December - FMA censures Opes for breaching financial advice provider licensee obligations  A special thanks to Feedspot for naming us as one of the "Top New Zealand Real Estate Podcasts".Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  The Mortgage Mag 4th of December - Buyers sitting on the sidelines in best time to buy in a decadeTopic #2: RNZ 3rd of December - Westpac launches scheme to help owners protect homes from extreme weatherTopic #3: Cotality 4th of December- Property values still in a holding patternTopic #4: RNZ 2nd of December - Adjustment to single pension rate may be prompting women to borrow against homes Topic #5: RNZ 2nd December - Consumer and business credit demand improves again in October A special thanks to Feedspot for naming us as one of the "Top New Zealand Real Estate Podcasts".#NZProperty #RealEstateNZ #FirstHomeBuyer #PropertyInvestment #HousingMarket #BuyNow #PropertyApprentice #InvestmentOpportunity #RealEstateTips #FinancialFreedomSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 26th of November- OCR Cut: What the RBNZ saidTopic #2: RNZ 26th of November - Is it cheaper to pay a mortgage, or rent?Topic #3: TradeMe 28th of November- OCR predictions for 2026 & 2027Topic #4: RNZ 26th of November - The rising cost of taking a gamble on the what-ifsTopic #5: NZ Herald 24th of November - KiwiSaver 12% plan risks backfiring without total pay ban, provider warns#PropertyApprentice #NZProperty #RentVsBuy #FirstHomeBuyerNZ #FinancialFreedom #RNZ #PropertyInvestmentNZ #PaulAndDebbieRobertsSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Is a Capital Gains Tax (CGT) actually on the horizon for New Zealand property investors? 🏠🤔Paul's tackling the conversation arising from the recent Labour Party conference and answering the big question many of you have been asking: What does this mean for my portfolio?He also take a hard look at why the Government struggles to be an effective landlord compared to private investors, and I share some "warning signs" from the UK and Australian markets that we need to pay attention to.But it’s not all doom and gloom! The market is moving, and there are massive opportunities right now for investors who can see past the headlines.In this video, I cover: 🔹The CGT: What’s being said and what you need to know. 🔹 Govt vs. Private Landlords: Why private investors are essential for a healthy rental market. 🔹 The "Dysfunctional" Property Manager: Why government-run housing often faces conflict. 🔹 Global Lessons: What we can learn from the tax changes in the UK and Australia. 🔹 Market Outlook: Why I’m optimistic about the economy moving forward.Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  NZ Herald 19th of November- Capital gains tax wouldn’t have raised much in recent years - CotalityTopic #2: RNZ 20th of November - The difference in investing strategies between over-60s and under-30sTopic #3: Oneroof 19th of November- Homeowners could get up to $15,000 as ANZ boosts its cashback to 1.5%Topic #4: TradeMe 20th of November - What new Auckland Council housing intensification proposals (PC 120) mean for youTopic #5: NZ Adviser 20th of November - Final OCR cut expected, door left open for more#KiwiSaver #HardshipWithdrawal #KiwiSaverNews #RetirementFunds #FinancialPlanning #MoneyMatters #FinancialLiteracy #FinancePodcast #MoneyTalks #WealthTips #SmartMoneyMoves #NZFinance #FinanceDebate #FinancialAwareness #InvestingInNZ #KiwiSaverReform #PersonalFinanceSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Good  Returns 3rd of November- Market recovery signals consistent with interest rate fallsTopic #2: NZ Financial Adviser 5th of November - Auckland housing market steadies as listings rise and confidence growsTopic #3: RNZ 6th of November- 'People learning to manipulate the system': Call for KiwiSaver hardship withdrawal changesTopic #4: Oneroof 4th of November - SBS quietly offers ‘crazy’ home loan rates of 3.99% - lowest in four yearsTopic #5: Realestate.co.nz 6th of November - Kiwis paying more at the supermarket, but less on rent#KiwiSaver #HardshipWithdrawal #KiwiSaverNews #RetirementFunds #FinancialPlanning #MoneyMatters #FinancialLiteracy #FinancePodcast #MoneyTalks #WealthTips #SmartMoneyMoves #NZFinance #FinanceDebate #FinancialAwareness #InvestingInNZ #KiwiSaverReform #PersonalFinanceSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  Oneroof 29th of October-Capital gains tax fallout: ‘House prices are not going to fall another 20%’Topic #2: Good Returns 28th of October - Bets are on for OCR to fall even furtherTopic #3:  Stuff 30th of October- Biggest bank thinks house prices will rise this year after allTopic #4: 1News 30th of October - New granny flat rules could put rates up, economist says#PropertyInvestment #NZPropertyMarket #PropertyNews #RealEstateNZ #InvestInProperty #PropertyInvesting #PropertyApprentice#LandlordsNZ #OccupancyLimits #GrannyFlatsNZ #ConsentFreeGrannyFlats #HousingReformNZ #RentalMarketNZ #PropertyLegislation#FinancialFreedomNZ #PropertyEducation #BuildWealthThroughProperty #NZInvestors #PropertyUpdateSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  RNZ 15th of October- Consider tax breaks for KiwiSaver, international report sayTopic #2: NZ Financial Adviser 16th of October - Economists welcome RBNZ's cautious LVR easing amid housing restraintTopic #3: Good Returns 14th of October - First home buyers take advantage of soft housing marketTopic #4: 1News 13th of October- Why Inland Revenue is taking money from bank accountsTopic #5: Interest.co.nz 25th of October -Residential building costs still increasing but slowed to 0.4% in the September quarterRegister to our free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/free-strategy-call/Book a no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/auckland-events/#AucklandHomelessness #InternationalStudents #RoughSleeping #NZNews #TreasurySolutions #GSTIncrease #PensionAge72 #FinancialCrunch #RNZNews #NewZealandNewsSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  RNZ 21st of October- Landlords respond to research criticism on occupancy limitsTopic #2: 1News 23rd of October - Exemption allowing granny flats to be built consent-free passes into lawTopic #3: Interest.co.nz 22nd of October - Trade Me Property says the balance of power between tenants and landlords is shifting in tenants' favourTopic #4: NZ Herald 22nd of October- Why you might need $1m to retire in a big cityTopic #5: Stuff 23rd of October - 700 property owners in limbo, millions at stake while council and Government play blame game#PropertyInvestment #NZPropertyMarket #PropertyNews #RealEstateNZ #InvestInProperty #PropertyInvesting #PropertyApprentice#LandlordsNZ #OccupancyLimits #GrannyFlatsNZ #ConsentFreeGrannyFlats #HousingReformNZ #RentalMarketNZ #PropertyLegislation#FinancialFreedomNZ #PropertyEducation #BuildWealthThroughProperty #NZInvestors #PropertyUpdate #DebbieRobertsSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.Topic #1:  NZ Herald 25th of September- First-home buyers’ 10-year, $260,000 rent bill to save depositTopic #2: Oneroof.co.nz 24th of September - Tony Alexander: Why rents are falling and what it means for landlords and tenantsTopic #3: RNZ 25th of September - International students join growing number of rough sleepers in Auckland, advocate saysTopic #4: 1News 25th of September - Is it worth fixing your home loan for longer?Topic #5: NZ Adviser 25th of September -GST at 32 percent, pension age of 72 among Treasury solutions to financial crunch#AucklandHomelessness #InternationalStudents #NZFinance #GSTIncrease #PensionAge #RoughSleeping #FinancialNews #RNZUpdate #NewZealandPodcast #EconomicSolutionsSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.