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It caps off an exuberant year for New Zealand’s property market and signals a record summer ahead, influenced by record-low mortgage rates, robust consumer sentiment and demand outweighing supply. Though the Reserve Bank of New Zealand will reinstate loan-to-value ratios in March, it is not expected to have much impact on the growth, with Goodall forecasting a record summer for prices. At a time of global uncertainty, he wrote, “It is clear that New Zealanders are looking towards property as a safe investment and the most attractive asset for wealth accumulation”. It means the inaccessibility of housing for first-time or low-income buyers – as well as protections for renters – is shaping up to be a key concern for Jacinda Ardern’s government.

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