For as long as most of us will be able to remember, the Kiwi dream has meant a 3 or 4 bed home with a deck out the back and just enough grass to need a mower.

It's represented putting down roots and starting a family with a sense of security in owning your own place.

But after years now of rising house prices and interest rates going up and down quite rapidly, I've been wondering whether our property obsession has changed - and whether it's a temporary change or a permanent one.

LISTEN ABOVE

See omnystudio.com/listener for privacy information.

It's one of the most important decisions a homeowner will make when putting their property on the market - choosing the your method of sale.

You've got auctions, asking price, price by negotiation, and my least favourite - tender - but which method is the most attractive to buyers? And which gives sellers the best chance of getting the highest possible price?

LISTEN ABOVE

See omnystudio.com/listener for privacy information.

Head of Banking and Valuation Risk at Valocity, David Grubb, joins Tim Beveridge for the OneRoof radio show.

LISTEN ABOVE

See omnystudio.com/listener for privacy information.

You're ready to sell our getting your final bits in order to get your property on the market.

You don't have the time nor energy to give the whole house, inside and out, a lick of fresh paint, or redo your landscaping, or renovate your slightly out of date kitchen.

So what are the areas that are most important to get sorted before listing your property?

And for the buyers - what are you better off ignoring when it comes to property marketing?

It could be the features that look grand in the listing photos but mean very little in real life, or scuffed flooring that may just need a polish.

LISTEN ABOVE

See omnystudio.com/listener for privacy information.

There's a lot of uncertainty around the property market at the moment.

In the past decade alone, we've seen the introduction of the brightline test, the relaxing of the brightline test, countless policies making life harder for investors and landlords, and now the looming question of capital gains tax.

But how much does the government actually influence whether we buy and sell, and at what price?

LISTEN ABOVE

See omnystudio.com/listener for privacy information.

Labour has introduced their Capital Gains Tax policy after it was leaked to the media last week.

If implemented, it would mean a 28% tax on any profits made from house sales excluding the family home.

So what would a tax like this do to the property and rental markets?

LISTEN ABOVE

See omnystudio.com/listener for privacy information.

Most prospective buyers know how much they can borrow, but how much should you borrow?

Banks will often be happy to lend buyers an eye-watering amount of money, right at the top of what they can afford, but that doesn't mean buyers will be happy once those repayments kick in.

Not mention five years down the line, when interest rates aren't as low as they once were, and wages aren't increasing at the same rate.

So how can people actually work out their own borrowing limit - one that allows for the odd night out or weekend away?

LISTEN ABOVE

See omnystudio.com/listener for privacy information.

After yet another OCR cut, economists and mortgage holders alike are holding their breath for December - the last announcement of the year.

A new report from Infometrics suggests the Reserve Bank may be taking the cuts too far, and risking an overstimulated economy.

Most forecasts have predicted more cuts coming, but it's possible that Dr Anna Breman may have a different way of handling things.

LISTEN ABOVE

See omnystudio.com/listener for privacy information.