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So you want a loan to buy a property.  The bank sifts through all the money that's gone in and out of your accounts going back an uncomfortable amount of time, and give you a number they're willing to lend you. You think to yourself, the process is so long and gruelling, and they require so much of your usually private documents, that surely you can afford to meet those repayments - right?  Wrong.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

The tide has well and truly turned.  We've had analysts forecasting a plateau for much of this year, with rates starting to turn upwards near the end of the year. One thing is for sure - we're not too likely to see the OCR go any lower than where it already stands.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

Have you ever walked into a home and thought - there was so much potential and it's all been lost.  A room with limited natural light, painted in dark shades and made to look smaller than it is. A poorly shaped couch that throws off the whole room. Or one that we see all too often - old, outdated lighting that can make a gorgeous home immediately look neglected. LISTEN ABOVE See omnystudio.com/listener for privacy information.

For a long time, the kiwi dream has been to do whatever it takes to get onto the property ladder and work your way up from there, but some investors are moving away from that advice - instead suggesting that it might be a better idea to rent and put your money elsewhere.  It's not just the cost of the property and the mortgage repayments. You're paying to maintain the property in a way you wouldn't be if it were a rental, you're covering rates, insurance, and all the other little costs that add up pretty quickly.  That's money that some investors argue could be spent on investments, or on a rental of your own that would at least bring some return.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

It's pretty common these days when buying a house to throw in a couple conditions with your offer.  You're going to want a building report, your bank may want a property valuation before they agree to insure the property, and most commonly - you may need to sell your home first before your able to settle on the next one.  But for a seller, any one of these could be a deal breaker - and could mean a lower offer is accepted over yours just because it's unconditional.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

Who hasn't at some stage in their life been a landlord or tenant? For many people, it's the first time they have to think about contracts and legal obligations - but are there red flags which should have you as a landlord rejectying a particuolar tenant - and like wise as a tenant that have you looking for somewhere else to live. LISTEN ABOVE See omnystudio.com/listener for privacy information.

New builds and townhouses alike have become the best option for first home buyers looking to get into the market.  Townhouses offer a lower-cost alternative to standalone homes without having to fully commit to apartment living, and new builds often mean low-deposit loans and easier access for first home buyers.  Problem is, the boom of new build townhouses is quickly slowing down - they're no longer classed as new builds, thus no longer as easy of a first option.  It's not just a problem for potential buyers - it also means that those looking to sell the townhouses they purchased new a few years back, are waiting much longer for them to sell for not much more than what they were purchased for.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

Mum and dad investors are pulling out of the property market.  The housing market is shifting to focus on the needs of your everyday owner-occupier, but the demand for rentals as still as high as ever and it doesn't look like that will change any time soon.  The problem is that, among other reasons, the cost of running a rental is at an all time high, debt-to-income and loan-to-value ratio rules have blocked a lot of access to funding, and long-term capital gains aren't what they once were - all leading to more professional property investors. LISTEN ABOVE See omnystudio.com/listener for privacy information.

If you're declaring yourself as the bank of mum and dad, you'll need to have some conversations with your children about what they can afford - and what happens if that changes.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

Westpac's economists are picking 6 consecutive OCR hikes from December - they're forecasting that it will hit 4% by the end of next year.  The OCR dropped to 2.25% just before Christmas, which is where it stands now, but there have been rumblings for some time that we'd start seeing hikes soon, as all major banks lifted long-term loan rates.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

Those in the market to buy a new home either know or will learn very quickly, that an agent is essential in the process.  Sure, we can search agency websites and windows ourselves, or scroll through OneRoof after work every day - but we're doing ourselves a disservice if we don't have an agent keeping an eye out for a place with the right metrics for us.  Here's the problem - these agents legally work for the seller.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

New Zealand's biggest bank, ANZ, has downgraded its forecast for property prices this year.  It says its previous forecast of 5% is looking unrealistic as the OCR looks to be making a turn soon and market prices are already falling - now saying a 2% rise is more likely.  Meanwhile, economists are laying out their predictions for when we'll see the OCR make that turn.  Many say it won't be until 2027, but some are predicting a rise as soon as the second half of this year.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

Normally when property comes up in discussion, it's focused on the plight of the youngsters who are fighting to get on to the property ladder. But today, we're switching it up a bit. Your house is likely the most expensive thing you own, that applies for everyone who's lucky enough to own one. So how do you manage your money with it? How old is too old to be investing in property? Are you worried that you've left it too late? At what point does it stop being worth it?  Managing director of property investment company Opes Partners Andrew Nicol joins Tim Beveridge to give advice on property investment.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

The no-consent granny flat law changes came in this week.  That means you can build an up-to-70sqm dwelling in your backyard without having to ask the council if you're allowed to.  Getting one set up on your property would set you back at least $200,000, but the question on minds of anyone with enough space for something like this is - how much value will it add?  They can be rented out for a bit of passive income - but it may not be worth the trouble of getting it fit to rent.  LISTEN ABOVE See omnystudio.com/listener for privacy information.

From tax changes to interest rates to regulation changes, there's an ever growing list of reasons for kiwis to be a bit more hesitant to invest in property.  Now with changes to foreign buyers laws, we may be staring down the barrel of a completely different  property market.  So here's the question, has the model for property investment fundamentally changed? How are investors going about it these days, and is it even worth it?  LISTEN ABOVE See omnystudio.com/listener for privacy information.