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Is the "Buyer's Market" finally here? In this first episode of 2026, we break down a massive week for New Zealand real estate. The data is in: December stock levels have hit a 10-year high, giving buyers more choice than we've seen in a decade. But with new rules for Granny Flats kicking in today and economists predicting a twist in the OCR tale, the window of opportunity might be moving faster than you think.

We discuss the new legislation allowing 70sqm minor dwellings without consent—a game-changer for adding value and yield . We also dive into the latest lending disputes regarding age limits on mortgages and why Westpac and Tony Alexander are warning that the upcoming election could throw price predictions off course.

In this episode, we cover:

• 🏠 Record Listings: Realestate.co.nz reports the highest December stock levels since 2014.
• 🔨 Granny Flats Unleashed: The new "no-consent" rules for 70sqm builds start today—but there are conditions.
• 📉 OCR Forecast: Why Westpac is now pencilling in a rate hike post-election.
• 🗳️ Election Impact: Tony Alexander explains why the 2026 election makes forecasting house prices risky.
• 👵 Lending Rules: How old is "too old" for a 30-year mortgage? 

🚀 FREE EVENT: How to Succeed with Property Investing Join us for our free online masterclass where we share strategies to navigate this new market window, utilize the new density rules, and build a portfolio that works. 👉 Register  here

Book a free, no-obligation chat with Paul here: https://www.propertyapprentice.co.nz/free-strategy-call/

Sources & Articles Discussed

00:01:17 Topic #1:  Good Returns 13th of January - One OCR hike pencilled in by Westpac

00:02:58 Topic #2: 1News 15th of January - No-consent granny flats from today, but it's 'not a free-for-all'

00:04:41 Topic #3: RNZ 13th of January - How old is too old for a home loan?

00:08:28 Topic #4: Oneroof.co.nz 14th of January - Tony Alexander: Why the 2026 election is throwing house price predictions off course

00:11:21  Topic #5: Realestate.co.nz 12th of January - Rare advantage for property seekers as stock hits 10-year De

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Disclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.

*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.