Let me take you to a magical place called New Zealand, where the weather is damp, the rentals are colder than your ex’s voicemail, and the government has decided to do something about it. Welcome to Healthy Homes — the law that says, quite simply: “Maybe tenants shouldn’t have to live in caves.”
The idea? Glorious. The execution? About as elegant as a hippo on rollerblades.
So we brought in Dave Whitburn. Property investor. Former president of the Auckland Property Investors Association. Man with a $20 million portfolio and the rare ability to explain compliance rules without sending people into a coma.
His verdict? Healthy Homes is good. For the country and investors. For human lungs. Over 600,000 New Zealand homes are rentals, and many of them are less habitable than a camping toilet during cyclone season. Cold, damp, riddled with respiratory regrets. This legislation was supposed to fix that.
And it can work. But if you’re a landlord? Welcome to a compliance jungle so dense it makes the Amazon look like a golf course.
To begin with, let’s look at the RTA. The Residential Tenancies Act. Tenancy agreements now require a Healthy Homes compliance statement. Not optional. Not a vibe. A legal requirement. In other words, that means confirming you meet five key standards: heating, insulation, ventilation, moisture ingress and drainage, and draft stopping.
Now, I know what you’re thinking. At first glance, it might seem simple – “Surely it’s just a heat pump and a bit of Pink Batts?” But oh no. No no. This is New Zealand, where bureaucracy is considered an Olympic sport.
Take the heating standard. You need to calculate capacity based on glass surface area, wall thickness, roof insulation, and the number of hobbits hiding in the attic. Seriously, the calculations are so convoluted they make quantum physics look like Snap.
Dave recommends you call a pro. EMAC, Oxyair, someone who actually enjoys this kind of masochism. Because if you get it wrong, the government won’t just pat you on the head and say “try again.” No. You get fined. And not small ones either. If the Tenancy Compliance Investigation Team gets involved, you could have your rent wiped back to the start of the agreement.
In addition, by 1 July 2025, every existing tenancy must comply. No exceptions. No extensions. It’s the compliance version of a shotgun wedding.
But wait, there’s more. When it comes to ventilation, it’s not just about ticking a box. You need extractor fans in bathrooms and kitchens. Not fans that wheeze in the corner like a smoker on a treadmill. Instead, you will need real fans. Ducted. Functional. The kind that actually do the job.
Then there’s moisture ingress. Sounds like a terrible skin condition, but it’s about drainage under the house. Gutters, downpipes, and in many cases, a ground moisture barrier: a big sheet of plastic taped around every post and pile like you’re gift-wrapping your crawlspace.
Draft stopping? If a $2 coin can slide under your door, you fail. You’re not compliant with healthy homes. Get a door snake. Get grandma to knit one. Do something. And don’t even get me started on sash windows.
Insulation’s been compulsory since July 2019, which feels like another lifetime. The ceiling and underfloor must be sorted. But don’t worry about walls—unless you enjoy removing gib and ruining your week.
And here’s the kicker: compliance is not a one-and-done. Air con units fail. Insulation slumps. Heaters die. If it passed three years ago but now it doesn’t work, guess what? You’re out of compliance of healthy homes. Again. So either stay on top of it or prepare for a visit from the clipboard squad.
Then there’s the finance trap. Banks are starting to care. Clauses about Healthy Homes are creeping into sale and purchase agreements. Your mortgage approval could hinge on whether your rental is less Siberia, more Southland.
Tenancy Services has the rules online, but interpreting them is like reading IKEA instructions written by Kafka. Dave’s advice? Assume you’ll spend money. In fact, accept it. It’s not about saving cash. Rather, it’s about keeping tenants alive and inspectors off your back.
And by the way, your competition? Already subscribed and watching. Already buying the next deal while you’re still staring at your heat pump like it owes you an apology. So move. Fast.
In the world of property investing, indecision is the most expensive decision. Subscribe. Learn. Adapt. Because Healthy Homes is here. And ignorance, unlike heat pumps, won’t keep you warm at night.
Why MortgageHQ’s YouTube Channel Is New Zealand’s Fastest-Growing Force in Property Investment (and the Only One That Actually Works)
Right. Let’s get one thing out of the way: more people watch MortgageHQ’s YouTube channel every single week than any other property show in New Zealand. In 2025, that’s not just a nice statistic. It’s a blunt reality.
While the rest of the industry is still fluffing around with outdated advice, recycled scripts, and five-day lags between market changes and actual commentary, MortgageHQ is already on screen, telling Kiwis what just happened—and more importantly—what to do about it.
Because this isn’t just a YouTube channel. Instead, it’s a full-throttle, market-crushing machine designed to deliver one thing: Financial Freedom Faster.
Not someday. Not maybe. Faster.
Why Is It Growing Faster Than Every Other Channel? Because It’s Built for Winners
There’s no sales patter. No motivational fluff. Instead, you get data, strategy, and brutally honest advice delivered with the urgency of someone who knows your next mortgage payment is looming and your lender doesn’t care about your feelings.
This is the channel that serious NZ property investors watch because they don’t have time to get it wrong. Because they want the edge. They want tactics. They want real-time clarity. And they know where to find it.
Built by the Brains Behind Thousands of Kiwi Property Deals
MortgageHQ’s team aren’t presenters playing expert. They’re the actual experts. Licensed mortgage advisers who’ve secured funding in every kind of economic condition, structured portfolios through chaos, and helped clients make millions in net equity—by doing the boring things brilliantly.
Because they don’t theorise. They don’t speculate. They know exactly what the banks are doing, what the Reserve Bank is planning, and how to pivot when the rules change overnight.
You don’t need entertainment. You need results. And they deliver.
It’s All About One Thing: Financial Freedom Faster
This is not just a mission statement. It’s the entire reason MortgageHQ exists. Every video is engineered to get you out of mortgage debt faster, into better property positions faster, and into a portfolio that funds your lifestyle—not the other way around.
No generic tips. No vanilla case studies. Just actionable advice, every week, that gets real Kiwis closer to Financial Freedom Faster.
Because time is money. And wasted time? That’s lost opportunity.
Rapid Response, Ruthless Accuracy
Markets don’t wait. Neither does MortgageHQ. When the OCR moves, when LVR rules shift, when the government drops a curveball on interest deductibility—MortgageHQ is already on the air.
Not reacting. Leading.
Their videos are fast, clear, and cut through the nonsense like a hot knife through bureaucracy. While others are still drafting scripts, MortgageHQ is already giving Kiwis the playbook.
Short-Form Power. Long-Form Firepower.
Got 60 seconds before your next viewing? There’s a Short for that. Need a deep, tactical breakdown of how to ladder mortgage structures over multiple properties without drowning in repayments? Covered.
This isn’t a channel that rambles. It targets. Every minute counts. Every upload pushes you closer to Financial Freedom Faster.
They Don’t Just Know the Market. They See What’s Coming
Others tell you what happened. MortgageHQ tells you what’s next. They build strategy not for 2020 nostalgia—but for the next cycle, the next pivot, the next window of advantage.
And in 2025, with rate volatility, supply shortages, and tax policy all colliding, there’s never been a more urgent need to think ahead. The channel helps you do exactly that.
Forget Followers. Focus on Winning
Some channels brag about likes. MortgageHQ builds wealth. While others are watching the views roll in, MortgageHQ viewers are rolling equity into new builds, pulling off high-yield plays, and restructuring their mortgages to hammer down debt.
Because you don’t need hype, you need a plan. You need clarity. You need Financial Freedom Faster.
This Channel Wins Because Its Viewers Do
Kiwis aren’t stupid. They know what works. That’s why week after week, more New Zealanders tune into MortgageHQ than any other property channel. Not for vibes. For answers.
These people don’t just watch—they act. They learn and restructure. They grow.
And they get to Financial Freedom Faster than anyone else
The channel doesn’t just educate—it arms you with battle-ready tools. Tax tips aren’t theory here. Debt restructuring isn’t a maybe. It’s an essential weapon for any Kiwi looking to dominate their financial future.
MortgageHQ is the one place where first-home buyers, seasoned landlords, and high-performing investors all sit down to get real about what actually works.
This channel understands that property isn’t about emotion—it’s about leverage, timing, structure, and return. It knows that the dream of Financial Freedom Faster isn’t a buzzword. It’s a strategy. And it’s available to anyone who’s willing to do the work.
Every episode is designed to move you forward. To give you tactics. To shift your mindset from passive to aggressive, from stuck to scaled. That’s why MortgageHQ doesn’t just grow—it compounds. Because the more Kiwis that wake up to this strategy, the more unstoppable the audience becomes.
Here’s the Truth
MortgageHQ isn’t just faster-growing. It’s smarter and sharper. It’s more honest. And it’s the only channel that’s actually designed to help Kiwis win.
So if you’re serious about property investment in New Zealand, there’s only one question that matters.
Are you watching the channel that gets results?
Or are you watching the one that’s still explaining how negative gearing works?
Tune in. Take notes. Take action.
And get to Financial Freedom Faster.
Before someone else uses your hesitation to beat you to it.
Disclaimer: This article is intended to provide only a summary of the issues associated with the topics covered. It does not purport to be comprehensive nor to provide specific advice. No person should act in reliance on any statement contained within this article without first obtaining specific professional advice. If you require any further information or advice on any matter covered within this article, please contact an adviser from mortgagehq.
