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The start of 2026 hasn't been as quiet as expected. From new tax proposals that have investors on edge to economic data forcing banks to tear up their interest rate forecasts, there is a lot to unpack.

In this episode of New Zealand Property Insights, Paul and Debbie Roberts deep dive into the proposed 28% Capital Gains Tax (CGT), the reality of sticky inflation, and why "resilience" is the new keyword for due diligence.

In this episode, Paul and Debbie cover:

• The 2026 Election Proposal: A breakdown of Labour’s proposed flat 28% tax on investment property profits. Paul and Debbie analyse what this means for portfolios and compare it to Australia’s system (highlighting the lack of an inflation adjustment as a major sticking point).
• The "Speculator" Myth: Why the narrative around property investors often misses the mark regarding long-term holds versus flipping.
• The Economic Shift: With annual inflation hitting 3.1% and breaching the Reserve Bank's target band, the hosts discuss why some economists are now predicting OCR hikes as early as late 2026 and the implications for mortgage strategies.
• Climate Resilience: With insurance premiums rising and flood zones under scrutiny, the episode explains the extra due diligence checks investors need to perform before buying in today's market.

Whether listeners are worried about future taxes or navigating the current interest rate environment, this episode cuts through the noise to provide the facts.

Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: [Insert Link] 🏠 Book a Free Chat: Need to stress-test a strategy? Book a no-obligation chat with Paul Roberts: [Insert Link] 💻 Website: https://www.propertyapprentice.co.nz

Disclaimer: This information is general in nature and does not constitute personalised financial advice. Please consult with your own professional advisers before making any investment decisions.

#NZPropertyMarket #CapitalGainsTax #PropertyApprentice #InterestRatesNZ #FinancialFreedom #PropertyInvestment #NZEconomy #DebbieRoberts

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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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Is 2026 a "Goldilocks" year for buyers, or is a rate hike trap set for mid-year?

In this week's Week in Review, Debbie Roberts (Property Apprentice) cuts through the contradictory headlines. We explore why major banks are predicting an OCR hike, why insurers are retreating from Westport, and if the "doer-upper" dream is dead.

We cover:

• Interest Rate Warning: Why ASB & ANZ predict a mid-year rise.
• "Goldilocks" Market: Why first-home buyers are winning right now.
• Insurance Halt: A major insurer freezes new policies in Westport.
• Forecast Downgrade: ANZ cuts 2026 price growth to 2%.
• Renovations: Why buyers are ditching DIY for turnkey homes.

📢 FREE MASTERCLASS: Don't guess your way through 2026. Join our free online event to learn strategies for this volatile market. 👉 Register here: https://www.propertyapprentice.co.nz

Timestamps: 0:00 - Intro: The Market Tug of War 1:05 - Interest Rates: Mid-Year Hike Warning 3:20 - First Home Buyers: "Goldilocks" Conditions 5:45 - Insurance Retreat: Westport Freeze 8:10 - Market Update: ANZ Downgrades Prices 10:30 - The Death of the "Doer-Upper" 13:15 - Free Masterclass Invite

Disclaimer: For educational purposes only. Not personalized financial advice.

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.

In this episode, Debbie Roberts from Property Apprentice discusses the hot topic of whether KiwiSaver should be made compulsory or remain voluntary. With recent media attention and political proposals suggesting a shift toward a mandatory model similar to Australia’s, it is a conversation that every New Zealander should be following.

Debbie breaks down the potential impact of these changes on your take-home pay, your ability to secure a first-home deposit, and your long-term retirement goals.

Key Topics Discussed:

• The Case for Compulsion: How mandatory savings could close the "savings gap" for New Zealanders and strengthen the national economy.
• The Impact on Your Wallet: The potential downsides of reduced take-home pay during a cost-of-living crisis and the increased costs for businesses.
• The First-Home Gateway: Why KiwiSaver remains the primary tool for many to enter the property market and how compulsory savings could lead to larger deposits and better bank lending terms.
• Financial Discipline: Why the habit of living on slightly less than you earn is a crucial trait for any successful property investor.
• Taking Control: Why you shouldn't wait for government legislation to secure your financial future.

Take Action for Your Future

Whether the rules change or not, your focus should remain on a long-term strategy. If you aren't already a client of Property Apprentice, we invite you to take control of your financial journey today.

👉 Register for our next FREE online event: How to Succeed with Property Investing

#PropertyApprentice #NZPropertyMarket #KiwiSaver #NZInvesting #FinancialEducation #AucklandProperty #FinancialAdviser #NZProperty #FirstHomeBuyerNZ #RetirementPlanning

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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.