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Labour drops a major tax policy bombshell! In Episode 28 of NZ Property Insights, Paul and Debbie Roberts unpack Labour's official confirmation to retain 100% interest deductibility for residential property investors, alongside the technical accounting reasons behind their Capital Gains Tax shift.

Plus, we break down why first-home buyers hit a record 29% market share, Moody’s new economic recovery forecast, a $2.5 billion data centre energy boom, and a staggering 190% surge in Australian buyers hunting for Kiwi real estate!

Key Episode Highlights

• Segment 1: $2.2B KiwiSaver Cash-Out & Record First-Home Buyer Share
  • Over 50,000 Kiwis withdrew $2.2 billion from KiwiSaver to secure their first home.
  • Cotality data confirms first-home buyers reached a record 29% national market share.
  • Why QV's -1.9% quarterly drop lags real-time market activity by up to three months.
  • How ASB’s housing outlook gives buyers an extended runway through late 2029.
• Segment 2: Moody's Economic Recovery Report & Data Centre Surge
  • Moody’s projects NZ real GDP growth of 1.6% in 2026, broadening to 2.3% in 2027.
  • Data centres are set to consume over 3 terawatt-hours of power, requiring $2.5B in energy infrastructure.
  • Moody's warning on central government’s proposed 2%–4% council rate caps.
  • Why NZ’s well-capitalized banks are keeping mortgagee sales at historical lows.
• Segment 3: 190% Aussie Search Surge Driven by Cross-Tasman Tax Shifts
  • Realestate.co.nz search traffic from Australia surged 163% in May and 190% in August following Australian tax changes.
  • Australian enquiries jumped 134% in May, with saved properties up over 44%.
  • Hotspot demand: Sydney, Brisbane, and Perth buyers targeting standalone houses in Auckland, Canterbury, and Central Otago.
• Segment 4: Labour’s Interest Deductibility U-Turn & Capital Gains Tax Focus
  • Labour confirms it will retain 100% mortgage interest deductibility ($2.8B policy over 4 years).
  • The technical tax math: Why interest, rates, and insurance are deductible holding costs under a Capital Gains Tax regime.
  • Political fallout: Industry reactions from Renters United, the Property Investors Federation, National, and ACT.

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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.