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Kelvin Davidson

Kelvin Davidson

๐Ÿ‘ค Speaker
558 total appearances

Appearances Over Time

Podcast Appearances

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

You've always got to keep that in mind.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

But yeah, what it showed was that

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

that there's there's definitely no lack of interest in property from from females across the country and in fact more females rate property ownership as important or highly important than males do so there's definitely a strong interest there in owning property um just that when you when you come to the ownership stats they are lower females and particularly when you get into those younger generations i mean across both genders the the ownership rates are lower the younger you are of course that's there's no sort of rocket science there but when you're comparing

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

the Gen Z and millennial females to Gen Z and millennial males.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

The ownership rates are lower for females, so

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

It's not an attitude thing, but there is a lower ownership rate, so then you start to look for why.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

And really, financial resources are going to be a big part of it.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

We know, unfortunately, there's a gender wage gap still, about minus 5% here for females earning 5% less for similar jobs.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

So that's going to be part of it.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

Now, that gender wage gap has closed, but still at 5%, so there's still work to do there.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

And the survey evidence points to just lower earnings as well.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

There's relatively fewer females earning higher wages, an arbitrary sort of cut off, let's call it $100,000.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

We had about 12% of female respondees saying they earned at least $100,000 versus 25% of males.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

So there's going to be a financial resource thing there.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

So I struggle for the word.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

It's not necessarily an education thing, but there seems to be information gaps.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

We had relatively more females reporting that they haven't bought it.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

Those females and males who haven't bought a property yet, more females reporting that it was simply because they didn't know where to start.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

They just didn't know what to do.

The NZ Property Market Podcast
The January lending reset & the record-breaking FHB

So now the numbers aren't massive.