My Shares Doubled And All I Got Was A New Kitchen

Markets don’t wait for permission slips. We open with a candid look at why agriculture and some NZX names are surprising on the upside, and how those signals can help everyday buyers read what’s next for property. One quick portfolio check turns into a useful takeaway: listed property stocks often move months before the housing headlines catch up, giving first-home hopefuls and investors a way to learn the cycle in real time.

From there, we dive into the construction landscape. It’s been bruising, but green shoots are real: enquiry for new builds is lifting as job confidence steadies, and the main roadblock is often selling the current place to free up capital. We talk through what actually gets banks to yes, starting with a myth-buster: first-home buyers can build with as little as 10% deposit when using a fixed-price contract from a recognised group builder. Labour-only projects, where you swing the hammer yourself, tend to require 30 to 40% because lenders assume income disruption. Investors get a powerful edge too, with new-build exemptions that can bring minimum deposits down to 10% under RBNZ settings.

We get practical about cost: the base price rarely tells the full story. Site works, landscaping, driveways, curtains, and energy upgrades add up fast, so pushing for a complete inclusion schedule matters. Then comes the lender fit. Not all banks assess variable income the same way, and a tidy deal presentation can compress timelines dramatically. A real client story brings it to life: weeks of friction with a home bank turned into approvals within two days once the file was reframed and sent to the right lenders. The takeaway is simple and empowering—if the numbers stack, the solution may be choosing the right contract, clarifying the total cost, and knocking on the door that already wants your deal.

Ready to turn interest into action? Follow the show, share this with a friend who’s eyeing a new build, and leave a review with your top question about deposits, contracts, or lender choice so we can cover it next.


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