Every NZ Prime Minister promises to fix housing. Every. Single. One. And yet here we are in 2025, where a driveway in Auckland costs more than a house in Hamilton.
Former Cabinet Minister Maurice Williamson has seen it all — from the inside — and he’s not pulling punches. In this no-filter deep dive, he unpacks what Luxon’s government is banking on, where it’s going wrong, and what actually needs to change to make New Zealand property a serious investment-grade sector.
SECTION 1: Foreign Capital Dreams vs Hard Policy Reality | NZ Housing
Luxon wants foreign investment to bankroll infrastructure. Great in theory — but in practice?
“We’ve said we want to be like Ireland or Singapore for decades… but we’ve never taken the big calls.”
Williamson lays it out: unless New Zealand makes massive policy shifts — in tax, welfare, employment law — international capital will keep looking elsewhere. Attracting money means playing hardball, not hosting summits and offering finger food.
SECTION 2: GDP Per Capita Finally Lifts — But Confidence Lags | NZ Housing
There’s a glimmer of economic good news: 4% growth in GDP per capita.
“That’s significant. We haven’t seen that in a while… it’s real productivity growth, not just population growth.”
Still, consumer confidence remains shaky. Williamson sees a clear need for:
- OCR cuts, fast
- Fewer speeches, more substance
- Real fast-tracked infrastructure builds, not just planning exercises
SECTION 3: The Coalition’s Confidence Crisis | NZ Housing
This government is in danger of becoming a one-term experiment.
“Voters don’t like admitting they made a mistake. But this lot hasn’t put runs on the board.”
Williamson calls out Luxon’s vague rhetoric and urges sharper, clearer policy wins. New Zealanders aren’t inspired — and they’re not stupid.
He notes that one-term governments are rare (only two in 70 years), but warns that frustrated silence from the coalition base could shift that pattern.
SECTION 4: Visas Are a Sideshow — It’s About Returns | NZ Housing
Investment visas won’t fix anything by themselves. Foreign capital is watching New Zealand closely — but they want clear returns, reduced red tape, and delivery certainty.
“We’ve got stability, democracy, and safety — that’s necessary, but not sufficient. They still need a return.”
SECTION 5: The Infrastructure Paralysis Problem | NZ Housing
From the City Rail Link blowout to endless consent delays, investors are being scared off.
“You want a rail network like Hong Kong? Great — give me 7 million people between Parnell and Ponsonby.”
New Zealand needs scale, yes — but more urgently it needs efficient processes and certainty of delivery. Fast-tracking is a great start, but the rules of engagement must evolve further.
SECTION 6: Regional Growth and the Golden Triangle | NZ Housing
Williamson champions extending infrastructure like the Waikato Expressway deeper into the Golden Triangle (Auckland-Hamilton-Tauranga).
“You change the whole paradigm for freight and ports. GDP growth follows investment.”
More roads, faster freight, and easier movement equals economic enablement — particularly for a nation built on dairy, meat, forestry, and export logistics.
SECTION 7: Population Isn’t the Problem — It’s Leverage | NZ Housing
Unlike Japan or China, NZ’s population isn’t shrinking. But if we don’t leverage inbound migration with smart housing in NZ and infrastructure policy, we’ll stay in the economic slow lane.
“We’re not faced with depopulation. But we’re still building like we’re scared of our own shadow.”
SECTION 8: What Needs to Happen Now | NZ Housing
- Fast-track infrastructure properly: More than Tier 1, expand into housing
- Free up registered builders from consent purgatory
- Use foreign capital for big projects, freeing up local funds for residential builds
- Red tape has to go — or at least be sliced in half
FINAL THOUGHT:
New Zealand isn’t out of options. But it is running out of time to prove it’s investment-worthy. Political indecision, red tape, and stalled infrastructure delivery are killing confidence.
If Luxon’s coalition doesn’t wake up fast, the country won’t just miss out on foreign capital — it’ll keep pushing away its own.
And the driveway in Auckland? That’ll hit $2 million by 2026.
Stay sharp. Stay informed. And build smart.
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. 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. Just 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. 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.
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
It’s 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.
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.
They don’t just watch—they act. They learn. They 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. It’s 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.
