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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A few weeks ago, a developer pre-sold most of its eight planned heritage-style weatherboard townhouses in two Auckland projects.

They plan to bring more of their cookie-cutter housing designs to Auckland, and aims to revive the styles of homes prevalent in many older suburbs.

But having a suburb full of similarly designed houses seems like it'd make neighbourhood dull, especially if they're bunched up together as councils plan to intesify - that in turn, would affect prices, and would make any changes you make to the property stick-out like a sore-thumb.  

So what are the pros and cons of cookie-cutter builds? what DIY projects could we do to boost our home's appearance? And what would we bring in an architect for?

Daniel Marshall is the Owner/Director of Daniel Marshall Architects and joins Tim Beveridge for the OneRoof Radio Show...

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House prices have been flat or are falling, it's hard to miss. 

Many owners are trying to quickly sell up - whether it be to fund their retirement, or simply because the rental market just isn't as profitable as it used to be. 

Analysts reckon this will mean a lot of younger people finally getting the opportunity to get on the property ladder. But there's one thing keeping a lot of potential buyers hesitant... 

Thirty percent of agents say that buyers are concerned property prices will drop further after they've purchased, leading to potential buyers holding off for lower prices. 

So how do you deal with the fear of overpaying? How can you be sure you're entering the market at the right time? 

Martin Cooper is the Managing Director at Harcourts Cooper & Co and he joined Tim Beveridge for the OneRoof Radio Show. 

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While it's all good and well to discuss where the property market is today, or try to predict the next OCR update, the key to predicting a property boom lays in market conditions during past booms. 

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For many of us, the roof is one of those things that completely slips the mind until it's raining inside. 

RoofBuddy founder and director James Logan joins to discuss roof maintenance, and when it's time for a new one. 

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PropertyScouts director Ryan Weird joins the OneRoof Radio Show to discuss the need for regulation for property managers. 

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Chris Bishop has openly called for house prices to fall, saying we need to be channeling more money into the economy rather than having it locked up in housing. 

The Prime Minister says we need modest and consistent increases in property prices, to ensure the economy is growing. 

So what is actually best for New Zealand and the economy? 

CEO of The Property Lifestyle, Nichole Lewis, joins for the OneRoof Radio Show. 

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