The John Kenel Show

This week Andrew Crosby and I get into whats happening in New Zealand property and the wider economy, so you can get a better understanding of the market.   Sign up to my FREE monthly newsletter to improve your finances: https://johnkenel.com   Get finance for your property development with Squirrel: https://funding.johnkenel.com   Free guide to wills, trusts & passing down your wealth properl...

John Bolton is the founder of Squirrel, New Zealand’s largest mortgage broker doing around $3 billion in mortgages annually, and one of the country’s biggest non-bank construction lenders with $700–800 million deployed into development finance.   In this episode, John Bolton sits down with John Kenel for a straight-up conversation about what is really happening in the New Zealand property market r...

An election policy announced on Sunday would change how commercial leases work in New Zealand. Two parts. Rent reviews on leases already signed could go down, not just up. And if a CBD shop's been empty for more than a year, the council could give the landlord 8 weeks to find a tenant, then auction off a lease on the building.   My area is residential, so I asked someone who works with commercial...

More young New Zealanders are looking at the housing market and deciding the system's rigged. In plenty of ways, they're right. I've been building houses for over 20 years and I've benefited from the way things are, so I'm not here to tell anyone they're wrong to be angry. The question is whether the fix being offered actually fixes it, or makes the same system bigger. In this episode: why the ang...

Governments around the world are talking about paying you to exist. It's called a universal basic income, and AI is the reason it's back on the table.   In this episode I look at what's actually being proposed here in New Zealand and overseas, what the real-world pilots in Finland and Ontario showed, what a land tax looks like from someone who actually holds land, and the part almost nobody talks...

Someone commented that developers are deluded and my 695,000 home was a ripoff. Fair enough, I've heard worse. But it got me onto the argument I have nearly every day: get investors out and more Kiwis will own a home.   Partly right, but it answers the wrong question. So in this one I do something simple. I count the houses. When an investor sells a rental to a first home buyer, one household beco...

John Kenel sits down with John Bolton from Squirrel, New Zealand’s biggest mortgage broker.   What’s getting funded, what’s getting declined, and why?   They discuss the OCR at 2.5%, the water companies that are now a bigger development risk than councils, why 41% of apartment sellers lost money last quarter, Australia’s negative-gearing changes, and how AI is starting to change the property indus...

You're not falling behind because you're lazy or doing something wrong, the ground has genuinely shifted under ordinary Kiwis and nobody's bothered to explain why.   Power up 12%, council rates up 9%, insurance up 30% in three years, but the official inflation number says 3.1%.   Once you understand what's actually happening, you'll stop blaming yourself and start building a life that can't easily...

The Greens are calling it a capital acquisitions tax because inheritance tax doesn't poll well, but whatever you call it, it means the government takes a third of what you've spent your life building. This isn't just a tax debate, it's a family debate. Most inheritance isn't super yachts and mansions... It's a house, a small business, a few rentals that mum and dad built by working hard, taking ri...

Its time New Zealand start taking a look at Australia's tax changes and learn from them, both their mistakes and what they do well...    Get finance for your property development with Squirrel: https://funding.tpdc.nz/   Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt   Free guide to wills, trusts & passing down your wealth pr...

New Zealand's pension system is heading for a cliff. In 1965, seven working-age people supported every retiree. Today it's four workers per retiree. By 2065, it'll be two workers supporting every person over 65.   The system was built for a different country with a younger population. Now we're trying to run the same pension promise with half the workforce to pay for it.   The usual answer is 'jus...

Get finance for your property development with Squirrel: https://funding.tpdc.nz/   Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt   Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/   Learn how to become a profitable developer in New Zealand at https://theproperty...

Get finance for your property development with Squirrel: https://funding.tpdc.nz/ Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/ Learn how to become a profitable developer in New Zealand at https://thepropertydevelo...

Get finance for your property development with Squirrel: https://funding.tpdc.nz/   Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt   Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/   Learn how to become a profitable developer in New Zealand at https://theproperty...

Get finance for your property development with Squirrel: https://funding.tpdc.nz/   Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt   Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/   Learn how to become a profitable developer in New Zealand at https://theproperty...

Get finance for your property development with Squirrel: https://funding.tpdc.nz/   Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt   Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/   Learn how to become a profitable developer in New Zealand at https://theproperty...

Get finance for your property development with Squirrel: https://funding.tpdc.nz/   Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt   Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/   Learn how to become a profitable developer in New Zealand at https://theproperty...

Get finance for your property development with Squirrel: https://funding.tpdc.nz/ Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/ Learn how to become a profitable developer in New Zealand at https://thepropertydevelo...

Property investors get a bad rep in the media, but as someone who works in the property space, I think its a bit misguided, here's why...   Get finance for your property development: https://funding.tpdc.nz/   Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt   Free guide to wills, trusts & passing down your wealth properly: htt...

The greens have come out with a handful of new plans around property and whilst on the surface they may seem attractive, the reality is very very different, today I break it all down.   Get finance for your property development: https://funding.tpdc.nz/   Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt   Free guide to wills, trust...

Ive got a funny feeling about whats going on... Let me know what you think in the comments Get finance for your property development: https://funding.tpdc.nz/ Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/ Learn how...

There seems to be a lot of mixed reporting in terms of whats happening with fuel in New Zealand, so here's everything in one place Get finance for your property development: https://funding.tpdc.nz/ Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt Free guide to wills, trusts & passing down your wealth properly: https://wealth.t...

Get finance for your property development: https://funding.tpdc.nz/   Sign up to my FREE weekly newsletter to improve your finances: https://newsletter.thepropertydevelopmentclub.com/yt   Free guide to wills, trusts & passing down your wealth properly: https://wealth.thepropertydevelopmentclub.com/   Learn how to become a profitable developer in New Zealand at https://thepropertydevelopmentclu...

The Cantillon Effect explains who benefits first when money gets created, but it doesn't explain when things really went off the rails. For that, you need to look at what happened next.   World War I changed everything. Before then, money was tied to gold and governments were constrained. Wars are expensive, so they borrowed and printed. What started as 'temporary emergency measures' became perman...

The laws have changed, but has the culture? National rolled back Labour's hate speech proposals and forced universities to protect free speech. On paper, that looks like a win for democracy.   But freedom on paper doesn't mean much if people are still scared to speak out. Most of us learned to keep quiet during the Ardern era, not because of what was illegal, but because of what felt dangerous to...