Property Apprentice Podcast

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In this episode, we're diving into the latest and most significant news for the New Zealand property market. The Inland Revenue Department (IRD) has just revealed that its tax investigations into property investors and developers are paying off—BIG TIME! 💰

We break down the shocking numbers from a recent Business Desk article, including a staggering $228 million in undeclared income discovered in just one financial year. This is a massive 46% increase from the previous year, all thanks to new government funding for tax compliance efforts.

What You'll Learn:

• The IRD’s New Strategy: We reveal where the IRD is focusing its efforts and getting the biggest returns.
• Who’s Being Targeted? Find out why developers, flippers, and those with GST issues are the main targets, with an average tax bill per case in the hundreds of thousands.
• Brightline & Rental Property Owners: We look at how the Brightline test is catching speculators and how undeclared income from rental properties, while smaller per case, still adds up to millions.
• Your Wake-Up Call: This isn't about tax evasion; it’s about getting your house in order. We share expert advice on why you need a proactive approach with a qualified property accountant.
• Essential Advice for Investors: Learn how to stress-test your portfolio, manage cash flow anxiety, and build a resilient property business that can weather any storm.
• Don't wait for the IRD to contact you. This is a zero-tolerance environment, and staying compliant is your best strategy.

Links & Resources:

Read the full Business Desk article here: https://businessdesk.co.nz/article/property/fourth-quarter-ird-tax-surge-finds-75m-more-from-property-investors-developers

👉 Join our FREE property investment events to learn more: www.propertyapprentice.co.nz

👉 Or book a chat with our team today! https://www.propertyapprentice.co.nz/free-strategy-call/


Got questions? Drop them in the comments below! 👇

#nzproperty #propertyinvesting #kiwiretirement #IRD #nzrealestate #propertytax #landlordtips #nzbusiness #brightline #GST

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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.

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Topic #1:  Good Returns 9th of September- Slumping house prices good news for first home buyers

Topic #2: RNZ 9th of September - Wellington house prices slump 30 percent from peak, QV says

Topic #3: TradeMe 9th of September - House prices up for the first time in over a year

Topic #4: The Mortgage Mag 11th of September - Keeping a lid on house prices – housing supply outpaces population growth

Topic #5: NZ Adviser 10th of September - KiwiSaver grows to $123bn but non-contributors rising

Register to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/

Support the show

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.

Send Us A Message! Let us know what you think.

Topic #1:  Good Returns 2nd of September- Mortgage defaults improve while lending rises

Topic #2: Stuff 2nd of September - Housing is no longer NZ's economic heroin. Now what?

Topic #3: The Post 1st of September - Zero growth year: ANZ predicts no house price growth for 2025

Topic #4: Stuff 2nd of September - ‘Safe haven’: Wealthy Americans flock to buy their way into NZ

Topic #5: Ministry of Housing and Urban Development 1st of September - Annual rental price index update

Register to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/

Support the show

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.

Send Us A Message! Let us know what you think.

Will New Zealand’s economy really outperform Australia over the next few years? And what does this mean for property investors and first-home buyers?

In this episode, Paul from Property Apprentice breaks down:
Why Westpac expects NZ to outpace Australia economically
How OCR cuts and affordability improvements are creating a unique buying window
Why Sydney’s $1.7M median price makes NZ property look affordable
What the next 6–12 months could mean for buyers, investors, and upgraders
Why NOW is the time to plan before the market heats up again

The Reserve Bank of New Zealand has already dropped the OCR by 250 basis points, with more cuts likely before year-end. Meanwhile, housing affordability has improved significantly—from 57% to 44% of median household income. But this window won’t last as demand from buyers and investors picks up.

If you’ve been waiting to make a move in property, now is the time to get advice and prepare.

👉 Join our FREE property investment events to learn more: www.propertyapprentice.co.nz

👉 Or book a chat with our team today! https://www.propertyapprentice.co.nz/...

📌 Don’t wait until rates drop further—by then, the competition will be back in full swing!

#NZProperty #PropertyInvestment #OCR #InterestRates #RealEstateNZ #FirstHomeBuyer #MortgageRates

Support the show

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.

Send Us A Message! Let us know what you think.

Topic #1:  Oneroof 11th of August - Has NZ finally solved its housing crisis? Ten years after soaring prices triggered nationwide panic

Topic #2: Good Results 13th of August - Gloomy home ownership results

Topic #3: RNZ 14th of August - More people making losses when selling their homes

Topic #4: 1News 13th of August - Warning after real estate agents caught altering sale agreements

Topic #5: RNZ 13th of August - Living apart together or bird nesting? Divorce in a tough property market

Register to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/

Support the show

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.

Send Us A Message! Let us know what you think.

Topic #1:  Good Returns 29th of July - Flatter prices in a well- balanced market

Topic #2: Stuff 7th of August - Auckland house price average falls below $1m for first time in nearly a year, Trade Me report says

Topic #3: RNZ 5th of August - Here's what unemployment data means for your home loan

Topic #4: Oneroof 6th of August - Tony Alexander: Banks aren’t cutting rates because sunny days are around the corner

Topic #5: Stuff 6th of August - Students face rising rents despite more properties on offer in university towns

Register to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/

Support the show

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.

Send Us A Message! Let us know what you think.

Are you feeling stuck while waiting for your property equity to grow? You’re not alone—but the good news is, this can actually be one of the most powerful times in your investing journey. 

In this bonus episode, Debbie Roberts—Financial Adviser and Co-Founder of Property Apprentice—shares five smart and practical strategies you can use right now to set yourself up for success while you're in the holding phase. Whether you’re waiting for equity, a market upswing, or just your next move, this episode is packed with actionable advice tailored to New Zealand property investors. 

✅ What you’ll learn in this episode: 

• How to understand and leverage the NZ property cycle
• Ways to improve your borrowing capacity
• Tips to refine your strategy for long-term success
• Why building the right support team matters
• The #1 thing successful investors do during slow periods

💡 Remember: It’s not about timing the market perfectly—it’s about being prepared for when the next opportunity comes.
 
🎯 Want expert guidance with your investment goals?

🔹 Join our Lifetime Coaching Program:
Get lifetime access to proven strategies, expert coaches, and a tailored financial plan to help you reach your property goals.
👉 www.propertyapprentice.co.nz

🔹 Not quite ready?
Register for a free info session:
👉 "How to Succeed with Property Investing" (online and no cost): https://www.propertyapprentice.co.nz/auckland-events/

🔹 Prefer a 1:1 chat?
Book a free, no-obligation consultation with Paul here:
👉 https://www.propertyapprentice.co.nz/free-strategy-call/


🔔 Don’t forget to subscribe, rate, and share this episode with someone you know who’s serious about property investing.
 
#PropertyInvestmentNZ #EquityGrowth #FinancialFreedomNZ #NZPropertyStrategy #PropertyApprenticePodcast

Support the show

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.

Send Us A Message! Let us know what you think.

Topic #1:  Good Returns 29th of July - Flatter prices in a well- balanced market

Topic #2: RNZ 29th of July - New Zealanders urged to break up with property

Topic #3: New Zealand Adviser 29th of July - NZ property market: Sales volumes rise but buyers still hold the cards

Topic #4: Realestate.co.nz 28th of July - Home run: Prices of homes in NZ outpace apartments by more than double

Topic #5: Stuff 30th of July - Mortgage switching has hit a new record. This is how to do it

Register to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/

Support the show

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.

Send Us A Message! Let us know what you think.

Topic #1:  RNZ 24th of July -Rents fall for first time since 2009

Topic  #2: Good Returns 23rd of July -Record number of deals being done by first home buyers

Topic #3: Eite Agent 23rd of July -NZ buyers and sellers finally find common ground on price

Topic #4: Good Returns 22nd of July -Green light burning brightly for August interest rate cut

Topic #5: 'Topping up $300 a week': How much money do property investors actually make?

Register to you free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/auckland-events/

Support the show

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.

Send Us A Message! Let us know what you think.

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

Register for our FREE event: "How to Succeed With Property Investing"
👉 https://www.propertyapprentice.co.nz

Don’t forget to subscribe, like, and share this episode with anyone planning for retirement or exploring property investment in New Zealand.

Support the show

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.