Right. Imagine you gave a man the keys to the entire nation’s wallet, told him to keep inflation tame, interest rates balanced, and to please not turn the country into Venezuela overnight. And then he actually pulled it off. That’s Don Brash. The Richie McCaw of central banking. The man who ran New Zealand’s Reserve Bank for 14 years without sending the country into fiscal purgatory. And now—he’s back in the spotlight, looking at our modern Reserve Bank like a retired All Black watching a high school B team fumble a wet ball.
So what’s going on?
Interest rates are falling. Yes, great. You might think it’s time to pop champagne corks and run naked through the vineyard. But hang on. Because here comes Brash, holding up a big, red flag. “Not so fast,” he warns. And if anyone’s qualified to throw cold water on the party, it’s the bloke who used to control the money tap.
His first point? The Reserve Bank got it wrong. Not a little bit. Not a “whoops, dropped a decimal” kind of wrong. A full-blown “too late to tighten, too late to ease, and then too proud to admit it” kind of wrong. You know, the kind of stubborn delusion you normally find in karaoke bars at midnight.
When interest rates were cut to 0.25%, it was like putting rocket fuel into a Corolla. Predictably, we overshot. Then, when it was time to hit the brakes, we were already sliding sideways into a wall made of bad timing and delayed decisions.
And what does Brash think the next Reserve Bank Governor needs most? Not a degree from Harvard. Not a Twitter following. Not a knack for reciting mission statements. No—communication. The ability to tell the public what the hell is going on without sounding like they’re reading a script off a government-funded weather app.
Why? Because if people don’t understand the game plan, they panic. Businesses make stupid hiring decisions. Unions demand 9% wage hikes like it’s 1984. Then inflation spikes, profits plummet, and unemployment turns into a game of musical chairs with no chairs. So yes, Brash says, the Governor needs to be an economist—but more importantly, he needs to be a bloody translator.
Let’s talk about staff. Under Brash’s watch, the Reserve Bank ran with 185 staff. Tight, efficient, lean. Now? Over 600. Including more than 40 people earning over $250,000 a year to… do what exactly? Supervise tiny banks like they’re international money launderers? Print brochures about financial inclusion that nobody reads? If the Reserve Bank was a car, it used to be a stripped-down rally car. Now it’s a 16-seater minibus with eight people arguing over the radio.
The cost? Astronomical. But Brash knows how to cut. When told by Ruth Richardson there’d be no budget increase—none—he did what any self-respecting financial badass would do: slashed, burned, and still got the job done. He even broke the British copyright on our banknotes by sticking New Zealanders on them. That’s right—he put Sir Edmund Hillary on the fiver to save printing costs and tell the British where to stick their licensing fees.
Now, what about inflation? The cost-of-living crisis? Should we print money? Brash laughs. That’s what got us here. Printing money like it’s toilet paper and then pretending to be shocked when prices soar like a Tesla share price in a Reddit frenzy.
No, he says. The Reserve Bank can fix this. But not by pretending it hasn’t made mistakes. Honesty. Clarity. A bit of humility wouldn’t hurt either.
And if someone dropped $10 billion into Brash’s lap? He wouldn’t spend it on virtue-signalling pet projects. He’d cut corporate tax. Make New Zealand the Ireland of the South Pacific. Attract investment. Actually get something for the money rather than burning it on bureaucracy.
And while we’re here, can someone explain why 600 staff are needed to supervise 20 banks—when four of them dominate 90% of the market? If Brash ran the show, that number would be halved faster than you can say “compliance framework.”
Brash isn’t bitter. He’s just a man who sees what works, and what doesn’t. He’s lived the monetary policy equivalent of war. He’s made the hard calls. And he’s not afraid to say what the current crew won’t.
So what does this all mean for you—the Kiwi with a mortgage, a business, a future?
It means you need to stop waiting for the Reserve Bank to get it right. Watch the market. Watch this channel. Because when Don Brash speaks, it’s not nostalgia. It’s a blueprint.
And while the others waffle on, MortgageHQ is doing what Brash would do: cutting through the crap, arming you with the real intel, and helping you get to Financial Freedom Faster.
Before the next rate hike turns your repayments into a blood sport.
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.
