Property Prices & The Long Game: What Smart Investors Do during the Downturn and What’s Next

In this episode, MHQ’s Head of Advice, Simon McDonald, sits down with Zhiyang Cheng, New Zealand’s number one ranked mortgage adviser, to discuss the current state of the property market. The conversation covers a range of topics related to property prices, investing, and long-term thinking. Simon and Zhiyang talk about what’s happening in the housing market, what investors are doing right now, and how to think about the future. They also touch on interest rates, affordability, and what might happen next. This episode offers insights into how smart investors think about market cycles and how to make informed decisions during uncertain times. The discussion also includes perspectives on lending, property strategy, and broader economic trends. If you’re interested in hearing a balanced and informative conversation about property and investment in New Zealand, this episode is worth watching. Learn more: https://mhq.co.nz/property-investment/property-prices-the-long-game-what-smart-investors-do-during-the-downturn-and-whats-next/?utm_source=Youtube&utm_medium=Description&utm_campaign=Default Chapters 00:00 Zhiyang's property purchase during interest rate peaks 07:16 Successful client story 09:45 Interest rates 11:25 What is margin of safety? 16:40 Migration affecting the NZ property market 19:41 Zoning reforms affecting the NZ property market 22:20 Wage growth affecting the NZ property market 25:13 What to do in this current market 📊 Not Sure Where You Stand Right Now? Use our free Mortgage Snapshot to check your structure, risk exposure, and options. 👉 Try the Mortgage Snapshot Tool https://mhq.co.nz/mortgage-calculator/#/ 📗 Want the Property Strategy That’s Worked for Thousands of Kiwis? Get Andrew Malcolm’s playbook—The Three Property Formula. 👉 Get the Book Here https://mhq.co.nz/the-three-property-... Disclaimer: This video is for entertainment purposes only and is not financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances. Use our Advanced Borrowing Power Calculator: https://mhq.co.nz/calc * Use our advanced borrowing power calculator for instant online answers regarding your servicing ability, potential mortgage top-ups, and cashback options. Achieve your Financial Goal with our Masterclasses: https://mhq.co.nz/mclass * We have classes and courses for every stage of your journey. Whether you’re just getting started or are looking for advanced strategies, we’ve got something for everyone. Each masterclass is focused at a specific stage in your investing journey to ensure they are focused, relevant, and useful. In saying this no matter where you are in the journey, feel free to come along to each master class. ------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------- Mortgage broker Mortgage loan broker Mortgage lender broker Mortgage and finance broker Mortgage advisor Mortgage advisors Mortgage broker near me Home loan broker near me Mortgage agents near me Best mortgage brokers Good mortgage brokers