EP: 2374•12 Mar 2026

The Reserve Bank’s Rules Aren’t as Strict as You Think⎟Ep. 2374

About this episode

Are home buyers secretly breaking the Reserve Bank’s rules?

In this episode, Ed fact-checks Andrew and dives into the data to reveal just how many Kiwis are legally borrowing outside the standard deposit and debt-to-income limits.

You’ll learn:

-How many first home buyers are purchasing with less than a 20% deposit

-The real percentage of borrowers going above the 6x and 7x debt-to-income “limits”

-How to grow your portfolio faster … by working around the rules

The key takeaway? The Reserve Bank sets speed limits, not brick walls. If you don’t quite fit the “standard” criteria, it doesn’t automatically mean no ... but it does mean you need to understand how the rules actually work.

Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

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From Learner to Mega Landlord The 7 Stages Explained⎟Ep. 2370

The Reserve Bank’s Rules Aren’t as Strict as You Think⎟Ep. 2374

About this episode

When the Bank Says No – What’s Your Next Move⎟Ep. 2373

NZ Property Easiest in the World to Buy! (You WON'T Believe This)⎟Ep. 2372

Can You Use a Student Loan to Pay Off Your Mortgage⎟Ep. 2371

From Learner to Mega Landlord The 7 Stages Explained⎟Ep. 2370