Katie Wesney

speaker

987 appearances 7 recordings 1 series first heard Apr 2026 last heard 2 Sep

Katie Wesney’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 7 in all, peaking in Jun 2026 with 2.

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Making Cents · The Hidden Areas Of NZ Where Houses Don't Cost As Much · 8 Jul 2026 podcast

And if it is covering it right from the get-go, I wonder if that's going to be the right property overall because there's generally, historically, an inverse relationship between yield

or the rent you receive and the capital gain prospects of a property.

So it might be one that doesn't go up in value as much.

price point in terms of getting into on paper a higher yield but the capital gain of that apartment might be less in terms of you can just keep building more apartments in terms of that scarcity piece versus a bit of dirt that you have attached to a property in Christchurch for example.

Yeah, and it actually depends, Frances, in terms of the property fundamentals, in terms of growth, but also your own situation.

And so...

Because all debt isn't equal.

So again, there are layers in terms of your financial strategy.

So if you have a home mortgage, you're not going to be directing as much in terms of the rental because that's tax deductible debt.

So for lots of people in lots of situations, not individual advice, if they have a home mortgage, their rental will be on interest only.

So that's going to take a little bit longer to pay off.

But the great thing about property is that generally rate goes up with inflation in time.

So again, that's really protective for your position.

So it really is situation dependent.

But again, if you've bought really well in terms of drivers for growth, that is, it will cover or wash its own face sooner rather than later.

And I think the South Island is a really good, strong story in terms of drivers for growth.

Christchurch, Queenstown, Invercargill, lots of places in the South Island, even at this kind of lower ebb in terms of the property cycle, which, remember, is generally...

When people historically have put themselves in a best position to make better gains into the future, they have had strong fundamentals in terms of growth, rent, etc.

There's a real buoyancy versus if you're sat in Wellington or Auckland, which seems to catch lots of the headlines, where the property market and even the job market is just more challenging for lots of people at the moment.

So it's a matter of casting your eyes wider.

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