From tax changes to interest rates to regulation changes, there's an ever growing list of reasons for kiwis to be a bit more hesitant to invest in property. 

Now with changes to foreign buyers laws, we may be staring down the barrel of a completely different  property market. 

So here's the question, has the model for property investment fundamentally changed? How are investors going about it these days, and is it even worth it? 

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Not even two years ago, we were comparing our rent increases to those of places like Singapore and New York City. But today, many parts of the country are seeing rents tumble. 

So what does it mean for 2026? Should tenants be making their move to secure a place? Or is it the landlords who should be locking in reliable tenants before things start to change again? 

And from this month, pets are officially allowed in rentals. 

A landlord can't turn down a tenant solely for bringing a pet with them - but that along with other notes on your application can make a landlord hesitant. 

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For as long as most of us will be able to remember, the Kiwi dream has meant a 3 or 4 bed home with a deck out the back and just enough grass to need a mower. 

It's represented putting down roots and starting a family with a sense of security in owning your own place. 

But after years now of rising house prices and interest rates going up and down quite rapidly, I've been wondering whether our property obsession has changed - and whether it's a temporary change or a permanent one. 

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It's one of the most important decisions a homeowner will make when putting their property on the market - choosing the your method of sale.

You've got auctions, asking price, price by negotiation, and my least favourite - tender - but which method is the most attractive to buyers? And which gives sellers the best chance of getting the highest possible price? 

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Head of Banking and Valuation Risk at Valocity, David Grubb, joins Tim Beveridge for the OneRoof radio show.

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You're ready to sell our getting your final bits in order to get your property on the market. 

You don't have the time nor energy to give the whole house, inside and out, a lick of fresh paint, or redo your landscaping, or renovate your slightly out of date kitchen. 

So what are the areas that are most important to get sorted before listing your property? 

And for the buyers - what are you better off ignoring when it comes to property marketing? 

It could be the features that look grand in the listing photos but mean very little in real life, or scuffed flooring that may just need a polish. 

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There's a lot of uncertainty around the property market at the moment. 

In the past decade alone, we've seen the introduction of the brightline test, the relaxing of the brightline test, countless policies making life harder for investors and landlords, and now the looming question of capital gains tax. 

But how much does the government actually influence whether we buy and sell, and at what price? 

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Labour has introduced their Capital Gains Tax policy after it was leaked to the media last week. 

If implemented, it would mean a 28% tax on any profits made from house sales excluding the family home. 

So what would a tax like this do to the property and rental markets? 

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Most prospective buyers know how much they can borrow, but how much should you borrow? 

Banks will often be happy to lend buyers an eye-watering amount of money, right at the top of what they can afford, but that doesn't mean buyers will be happy once those repayments kick in. 

Not mention five years down the line, when interest rates aren't as low as they once were, and wages aren't increasing at the same rate. 

So how can people actually work out their own borrowing limit - one that allows for the odd night out or weekend away? 

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After yet another OCR cut, economists and mortgage holders alike are holding their breath for December - the last announcement of the year. 

A new report from Infometrics suggests the Reserve Bank may be taking the cuts too far, and risking an overstimulated economy. 

Most forecasts have predicted more cuts coming, but it's possible that Dr Anna Breman may have a different way of handling things. 

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