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Are the latest political housing pledges genuine solutions for Kiwis, or are they setting buyers up for financial stress? In this episode of New Zealand Property Insights, Paul Roberts and Debbie Roberts from Property Apprentice unpack three major developments reshaping the New Zealand housing market across election policy, deregulated dwellings, and demographic data.

Here is what we cover in this episode:

• The $300,000 First Home Loan Cap & Rent-to-Buy: Labour and National have both backed raising the household income eligibility cap to $300,000. While this unlocks access for dual-income working professionals, buying with a 5% deposit on a $700,000 home means taking on a $665,000 mortgage from day one. We explain why stress-testing your budget at 7% to 7.5% is critical.
• The Construction Math: Why the political claim of selling one state house to fund three new Healthy Homes builds doesn't stack up in today's construction climate.
• National's Tiny Home & Granny Flat Expansion: Examining the proposed 70sqm footprint plus 40sqm attached or detached garage rules. We cover the crucial banking reality: why tiny homes on wheels are legally vehicles, why major retail banks will not issue standard 30-year residential mortgages on them, and how council infrastructure growth charges can catch owners off guard.
• Senior Housing & KiwiSaver Past 65: With 15% of the social housing register over 65, we discuss the proposed ring-fencing of senior housing funds and mandatory employer KiwiSaver contributions starting July 2027.
• Stats NZ Census Insights: Why Kiwi women are buying homes earlier and in greater numbers than men across every single age bracket under 70, despite a 5.2% gender pay gap, and why men still hold the majority of residential investment properties.

Resources & Links: Register for our free 2-hour online workshop, How to Succeed with Property Investing: https://www.propertyapprentice.co.nz Have a question or want to discuss tailored investment coaching? Visit us at https://www.propertyapprentice.co.nz

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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.