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Welcome to another bonus episode of the Property Apprentice Podcast, hosted by Debbie Roberts, financial adviser and co-founder of Property Apprentice. In this episode, Debbie unpacks how New Zealand’s aging population is reshaping the future of property investment, interest rates, housing supply, and banking services. 

• What happens to house prices as more Kiwis reach retirement age?
•  Will there be an oversupply of large homes in aging regions?
•  How could long-term interest rates shift due to demographic trends?
•  What are the implications for retirement planning, reverse mortgages, and rental demand? 

We’ll also dive into insights from the Reserve Bank of New Zealand (RBNZ), Stats NZ, and the New Zealand Treasury, highlighting potential risks and opportunities for investors—especially with the median age projected to rise to over 45 by 2050. 

Whether you're a property investor, a future retiree, or a Gen Z planning ahead, this episode offers crucial takeaways: 

• Why smaller, single-level, low-maintenance homes are becoming more attractive
• How shrinking working-age populations affect NZ Superannuation sustainability
• What changes banks may make in response to higher deposits and fewer mortgages
• Tips for adapting your investment strategy in a changing economic environment

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*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.