EP: 2377•15 Mar 2026

What's Going on With NZ House Prices⎟Ep. 2377

About this episode

House prices are down 16% from the peak ... and even further once you adjust for inflation.So… is something broken?

In this episode, Ed and Andrew unpack what’s really going on in the NZ property market, and why a flat market isn’t as unusual (or as scary) as it feels.

You’ll learn:

-Why flat property markets typically last 4 to 5 years between booms

-How affordability is quietly improving while prices go nowhere

-How investors can still build wealth ... even if prices only rise with inflation

And here’s the key: even if prices only track inflation, leverage and debt reduction can still deliver strong returns. A flat headline doesn’t mean a flat outcome – especially when you understand how the numbers 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.

Related podcasts in this series

EP: 2376
14 Mar 2026
Two Builders, No House… Now She’s Mini-Retired in Greece⎟Ep. 2376
She lost her first deposit. Fought a builder. Held land for 12 years. And still came back to property investing.
In this Case Study Sunday episode, Sheryn joins the show from rural Greece to share the raw, honest story behind her investing journey and why she’s now taking a mini-retirement in her 40s.
You’ll learn:
-The one major move that changed her money life
-How she’s started her mini-retirement in her 40’s
-The one true love in this investor’s life
This is a grounded, honest look at resilience, reinvention, and what happens when you decide your time is worth more than just another pay cheque.
Inspired by today's case study? Find out if you can afford an investment property with our quick quiz.
Two Builders, No House… Now She’s Mini-Retired in Greece⎟Ep. 2376
EP: 2375
13 Mar 2026
You Think You Can Only Buy One… The Model Says Otherwise⎟Ep. 2375
How many houses can you actually buy?
In this episode, Ed and Andrew run three real-life scenarios through a bank-style modelling tool to show what’s genuinely possible ... and why most people either underestimate or overestimate their borrowing power.
You’ll learn:
-How many properties could an average Kiwi couple realistically buy over 15 years
-3 scenarios that show how big these Kiwis could grow their property portfolio
-How to figure out how many properties you could potentially buy
The key takeaway? It’s not guesswork. With the right modelling and realistic assumptions, you can see exactly how many properties you could buy, when you could buy them, and what needs to change to move faster.
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.
You Think You Can Only Buy One… The Model Says Otherwise⎟Ep. 2375
EP: 2374
12 Mar 2026
The Reserve Bank’s Rules Aren’t as Strict as You Think⎟Ep. 2374
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.
The Reserve Bank’s Rules Aren’t as Strict as You Think⎟Ep. 2374
EP: 2373
11 Mar 2026
When the Bank Says No – What’s Your Next Move⎟Ep. 2373
Non-banks used to feel like a last resort.Not anymore.
In this episode, Ed and Andrew break down when property investors actually use non-bank lenders ... and why they’re more relevant in 2026 than they’ve been in years.
You’ll learn:
-How investors still buy property when the bank says no
-Why non-bank lenders are becoming more competitive again
-The 5 real situations where using a non-bank can make sense
The key isn’t avoiding non-banks altogether – it’s understanding your exit strategy before you sign anything.
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.
When the Bank Says No – What’s Your Next Move⎟Ep. 2373

What's Going on With NZ House Prices⎟Ep. 2377

About this episode

Two Builders, No House… Now She’s Mini-Retired in Greece⎟Ep. 2376

You Think You Can Only Buy One… The Model Says Otherwise⎟Ep. 2375

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

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