Kiwi Real Estate, Inside Out

This episode breaks down why buyers are still being declined even as rates stabilize, from bonus income treatment and living-expense assumptions to strict serviceability tests. It also explains why mortgage advisors now handle most new lending and why relying on one bank can cost buyers their deal.

This episode digs into the hidden risks of buying lifestyle and rural property, from easements and unformed roads to water supply, septic systems, and boundary lines that don’t always match the fence. It also shows why local knowledge matters more than generic market slogans when valuing country property.

Dr Lee Konowe breaks down why an agency agreement is more than admin — it’s the lawful working relationship that defines authority, responsibilities, risk, and timing in real estate. The episode also unpacks the six core principles behind these agreements and the everyday mistakes agents make when they rush the paperwork.

A practical, agent-facing update on where New Zealand mortgage rates could head over the next 60 days and what that means for buyer conversations, appraisals, urgency, and negotiation strategy.

This episode looks at the Reserve Bank’s current stance, inflation and wholesale funding signals, how bank pricing may move in the short term, and the key talking points agents can use with first-home buyers, upgraders, investors, and sellers.

• What the OCR and swap markets are signaling right now
• Why fixed-rate specials may move differently from floating rates
• How agents can frame affordability, confidence, and timing without overcalling the market

Dive into the latest shifts in New Zealand's property market, from urban migration and government reforms to the digital transformation reshaping agent practices. Plus, explore how rising interest rates impact buyers and the importance of compliance and professional development in keeping agents ahead. Discover the unique blend of international influences and local resilience defining Kiwi real estate today.