Show Notes
As the NZ property market recovers, rental yield is everywhere. Developers are leading with it. Real estate agents are selling on it. And investors who just lived through high interest rates are obsessed with it. This episode explains what yield actually tells you — and what it doesn't. In this episode: Gross yield vs net yield NZ: why the number being advertised and the number you actually live with are almost never the same Why high gross yield on an NZ investment property is often a signal of low capital growth — and the two main reasons that's almost always true The specialist property trap: student accommodation, inner-city apartments, room-by-room rentals — why an investor-only buyer pool kills your long-term growth The rural yield trap: why that cheap standalone home with a 7% gross yield in a small NZ town is cheap for a reason The real numbers compared: high-yield rural property vs high-yield inner-city apartment vs high-growth two-bedroom townhouse — what the net yield actually looks like after costs The gross yield is the number advertised. The net yield is the number you live with. Here's how to find it. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: SheOwnsThispodcast YouTube: SheOwnsThispodcast
More from She Owns This
Airbnb apartments get pitched to property investors with impressive yield projections. The real numbers almost never match. This episode of She Owns This breaks down the 2026 MBIE ruling that changed Christchurch Airbnb rules, the actual costs developers leave out, and a real side by side comparison that settles the debate. In this episode: The 2026 MBIE ruling explained: why Christchurch apartment owners now need council permission to run an Airbnb, and what it means for the 5,000 listings already operating Airbnb rules compared across Christchurch, Auckland, Queenstown Lakes and beyond: night limits, consent requirements and the councils cracking down hardest The GST trap: why some Christchurch one-bedroom apartments advertised at $265,000 actually cost over $300,000 once GST is added The real numbers: a $560,000 Christchurch CBD apartment run as Airbnb versus a $560,000 two-bedroom townhouse run as a long-term rental, cost by cost Why the Airbnb apartment comes out negatively geared by over $200 a week while the townhouse sits closer to neutral, with better capital growth and a far wider resale buyer pool
House price headlines say property is more affordable. So what does $500,000 actually buy across New Zealand right now? Stevie found six real listings and dug into the details the advertising copy leaves out. In this episode: Six real $500K property listings across Howick, Christchurch, Lower Hutt, Southland, Wellington and Auckland Central, compared side by side Why a one-bedroom no-carpark apartment in Auckland has a 2.9% yield and almost no resale buyer pool Why Linwood in Christchurch is one of the more sensible $500K buys on the list right now Why Stokes Valley in Lower Hutt has seen the biggest house price fall since peak anywhere in NZ The Wellington apartment with $10,000 a year in body corporate fees that's sold for less than it did in 2017 The Auckland Central listing that looks like incredible value until you spot the GST exclusion and the management lease locked in until 2028 Why bare land in Southland isn't an investment property, no matter how good the price looks What the $500K market actually reveals about where NZ property is genuinely accessible right now, and where it only looks that way
OCR, Swap Rates, Market Bubbles, Short Selling, Hedging and more. The finance industry runs on jargon that is designed to make you feel like an outsider. This episode is the antidote. We decipher the terms, plain English, real analogies, and a rapid-fire format that actually makes it fun. In this episode: OCR explained: how the Reserve Bank uses it to control inflation and your mortgage rate Swap rates: why your fixed mortgage rate is set by markets, not the Reserve Bank Market bubbles: the dot-com crash and Nefe's rule of thumb for spotting hype Mean reversion: why prices always come back to their historical average Market capitalisation: small cap, mid cap, large cap, explained simply Economic moats: why some companies are nearly impossible to compete with Short selling: the handbag analogy and the GameStop story Futures contracts: the carpet analogy and the turnkey building connection The finance industry benefits from complexity. The actual concepts are not that hard. Here is the proof. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: SheOwnsThispodcast YouTube: SheOwnsThispodcast
New Zealanders paid $19.7 million in BNPL late fees in 2025. Afterpay's NZ revenue grew 17.4% - during a recession. And 1 in 5 users paid at least one late fee. This episode of She Owns This explains exactly how these platforms are designed to work on your brain, and your wallet. You'll learn: How Afterpay, Zip, and Klarna actually make money in NZ The NZ consumer data most people haven't seen The three psychological tricks that make BNPL feel different from debt Why $100 a fortnight in BNPL repayments redirected into an index fund at 8% average annual return could earn you Buy Now Pay Later isn't free. It's deferred. And the cost of buying things this way instead of saving for them first shows up over years, not weeks. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: SheOwnsThispodcast YouTube: SheOwnsThispodcast
We're in one of the longest property downturns in NZ history. Townhouses are everywhere. And investors are asking the question nobody wants to answer honestly. This episode brings the data — and argues both sides. In this episode: The number that changes the debate: Auckland townhouses fell 22% from peak. Standalone homes fell 22.9%. The market did this — not the property type 32 years of NZ property data: townhouses vs standalone homes grew at a 0.6% difference over 26 years — less than 1% The building boom in context: townhouses were 6% of new NZ builds in 2012. By January 2026 they were 43.8% — and what that actually means for supply and demand Why affordability sustains townhouse demand: with stand-alones at $1,050,000 and townhouses at $750,000, first home buyers are 37–41% of Auckland townhouse purchases and aren't going anywhere Smaller NZ households, more solo living, and cultural shift: why the quarter-acre dream is changing — and what 22.8% single-person households means for compact housing demand Why location outperforms property type every time Christchurch property market 2026: down from 8% undervalued to 2.3% — and why 25% townhouse penetration hasn't slowed the recovery