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The New Zealand property market is showing signs of life, but the real story lies in the regional data and current mortgage trends. In this episode of New Zealand Property Insights, Paul and Debbie Roberts unpack the new Cotality Decoding 2026 Report and the record-breaking surge in bank switching.

In this episode, Paul and Debbie cover:

• The 2026 Market Outlook: A deep dive into the latest Cotality report. While 71% of respondents expect house prices to rise in 2026, the data reveals a mood of cautious optimism rather than a massive boom. The hosts discuss the significant regional split, contrasting Canterbury's strong confidence against Wellington's lagging market.
• The Danger of "Free" Advice: Debbie explains why "free" financial plans from property companies are often designed purely to sell commission-based properties. She highlights why securing independent financial advice is crucial to ensure you aren't paying top dollar for an underperforming investment.
• The Great Bank Switch: In December 2025, a record-breaking $5.8 billion in lending was driven simply by borrowers switching banks to chase cashback deals. Paul and Debbie explore whether these cashbacks actually save money, warning investors about hidden break fees and clawback periods. They also share actionable tips on how to negotiate better rates with your current bank using a mortgage adviser.

Whether listeners are looking to refinance or wondering where the property market is heading next, 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: https://www.propertyapprentice.co.nz/auckland-events/

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💻 Website: https://www.propertyapprentice.co.nz

00:00 Intro Music 00:06 Introduction: Unpacking the Cotality 2026 Report 00:18 Topic 1: The 2026 Market Outlook & "Cautious Optimism" 01:35 Regional Property Split: Why Canterbury is outperforming Wellington 01:54 Interest Rate Reality: Are OCR hikes coming? 04:10 The Danger of "Free" Financial Advice & Sales Pitches 04:52 Strategy: Creating your own capital growth through renovations 05:51 Topic 2: The Great Bank Switch & Record Refinancing 06:47 Who is moving banks? The reality of cashback offers 08:03 Warning: Break fees, clawbacks, and the true cost of switching 08:39 Mortgage Advice: How to negotiate better rates with your bank 10:08 Summary & Next Steps: Free Property Investing Event

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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.