She Owns This

Opes Partners
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She Owns This is a weekly New Zealand podcast about money, property and financial confidence. Hosted by financial advisers Stevie and Nefe from Opes Partners, it’s for Kiwi women who want to build wealth but feel like most money advice isn’t really made for them. Each episode breaks down money and property in plain English and gives one simple action listeners can take that week. Because in NZ, women are still under-represented in property ownership — and this podcast is about changing that. Disclaimer: This podcast is for general information only and is not financial advice.

  1. 1 day ago

    New Build vs Renovation NZ: Which Is the Better Investment in 2026?⎟Ep. 17

    New Build vs Renovation NZ — Which Is the Better Investment Strategy? Stevie is Team Renovations. Nefe is Team New Builds. They're both financial advisers, they've both done it, and they're both convinced they're right. This week they pick sides — and the real answer is more useful than either position alone. In this episode: The full case for renovation investing in NZ: lower entry cost in regional markets, stronger yields in small towns, and the ability to manufacture value rather than just wait for itThe full case for new build investment NZ: hands-off turnkey contracts, geographic diversification, lower deposit requirements, and no surprises behind the wallsWhy the deposit argument is more complicated than it looks — and which strategy actually gets you into the market soonerThe Kaikoura story: what managing renovation trades remotely actually looks like (spoiler: it ends with painting it yourself on a Saturday)The verdict: the strategy you choose should come down to who you actually are — not who you aspire to beStevie on building her own home: why the gap between what you think you'll spend and what you actually spend is almost always wider than expectedNefe on buying her new build: what hands-off certainty is actually worth when you're also building a career and a portfolioPassive investing done consistently beats an active strategy done badly. Know which one you're actually going to do. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠⁠SheOwnsThispodcast⁠⁠⁠YouTube: ⁠⁠⁠SheOwnsThispodcast

    32 min

  2. 30 June

    Everyone's Subdiving. Should I? ⎟Ep. 16

    Every property owner with a big section is asking the same question right now. On paper it sounds simple — split the land, build, profit. The reality is considerably more involved. Nefe and Stevie give you the full picture. In this episode: The three types of subdivision in NZ, and which one actually makes sense for individual investorsThe four-step subdivision process, and what each one costsWhy infrastructure alone typically runs $60,000–$100,000 before a single wall goes upThe tax exposure most people don't factor inNew build vs subdivision NZ: which strategy suits which investor, and why subdivision is a tool not a modelSubdividing can pay off a mortgage and fund the next investment. It can also drain your cash, time, and energy for years. Here's how to tell the difference before you start. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠SheOwnsThispodcast⁠⁠YouTube: ⁠⁠SheOwnsThispodcast

    28 min

  3. 23 June

    Leverage Explained — How to Use Equity to Build Wealth in NZ Property (And What Can Go Wrong)⎟Ep. 15

    Someone wrote in asking whether they could use their share portfolio to leverage into property. It's a great question — and the honest answer is more nuanced than yes or no. This week Stevie and Nefe go back to basics on one of the most powerful — and most misunderstood — tools in NZ investing. In this episode: What leverage actually means in property investing — a plain-English explanation from first principles, no jargonHow home equity works in NZ: why a 10% gain on a $700,000 property can mean a 50% return on your actual cashWhich assets you can and can't leverage in New Zealand: home equity, cash deposits, shares, farm assets, and term deposits comparedThe listener question answered: can you use a share portfolio to buy investment property in NZ? The real answer — and what margin lending actually involvesWhy margin lending on shares carries risks that property equity doesn't, including margin calls you can't controlWhat to do if you have shares and want to get into NZ property: the most practical route most advisers recommendLeverage is a tool, not a trap. Here's how to use it like one. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠SheOwnsThispodcast⁠YouTube: ⁠SheOwnsThispodcast

    34 min

  4. 16 June

    "ok, boomer!"⎟Ep. 14

    Was It Actually Harder to Buy a House 30 Years Ago?Yes, interest rates were 15%. But what were they paying that on? Nefe is bringing the data, the comparisons, and — she's trying her best — the emotions under control. This is the conversation that needs to happen on both sides.In this episode: ● The number that settles the debate: house price to income ratio ● Why 15% interest on a $70,000 mortgage and 6% interest on a $900,000 mortgage are not the same conversation ● The deposit problem: a 20% deposit in the 90s was $20–50k. Today it's $170,000. No amount of cutting lattes closes that gap ● How lending rules have fundamentally changed since the GFC — DTI ratios, LVR caps, and serviceability testing that simply didn't exist beforeSpill the Tea: the 20-year-old who taught himself to invest on YouTube and built $200,000 in shares before most people his age had a savings accountThe couple with strong borrowing capacity who decided to wait until after having a baby — and the real tension in that decisionThe pressure didn't disappear. It evolved. And that's what this episode is here to prove.Women should own half the world. Come own it with us. Download a copy of the Maternity Money Map spreadsheet here Don't forget to like and subscribe, and follow us on Instagram: SheOwnsThispodcastYouTube: SheOwnsThispodcast

    28 min

  5. 9 June

    Should I Invest With My Mates? [Explained] ⎟Ep. 13

    Stevie's had clients do this brilliantly — and clients nearly lose relationships over it. The difference almost always comes down to three things: aligned goals, a good mortgage broker, and a legal agreement. This episode covers all three. In this episode: Why the bank maths on joint ventures can work against you When family finances and emotions collideThe goal alignment problem nobody talks aboutThe non-negotiables before signing anythingWanting to invest together and being a good investment match are two different things. Here's how to tell the difference. Women should own half the world. Come own it with us. Instagram ⁠⁠⁠⁠⁠⁠⁠⁠@SheOwnsThispodcast⁠⁠ YouTube: ⁠⁠She Owns This podcast⁠⁠

    27 min

  6. 2 June

    No Pay Rise? No Problem — 12 Ways to Increase Your Income⎟Ep. 12

    The boss said no to a pay rise. Inflation said yes to everything else. So Nefe and Stevie went to their mortgage adviser team and asked: what are clients actually doing to boost their income? Here are twelve of them.In this episode: The full side hustle menu — with real earning potential for eachWhy renting out a spare room might be the easiest win on the listThe underrated option most people overlookNefe's songwriting royalties — and why the best side hustle is one you'd be doing anywayThe golden rule: pick something you're already good at, or already doing for freeThe side hustle that drains you is the one you quit. The one that energises you is the one that compounds.Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠SheOwnsThispodcast⁠YouTube: ⁠SheOwnsThispodcast

    23 min

  7. 26 May

    Baby Coming? Here’s the Money Plan You Need⎟Ep. 11

    Having a baby is one of the most financially significant things you'll ever do. It doesn't have to derail everything you've been building. Stevie's been through it — and this episode is the practical playbook she wishes she'd had. In this episode: What parental leave in NZ actually pays — and why you need two separate budgets for the first and second six monthsHow to find your baseline: the non-negotiable expenses that define your financial floorHow to calculate your gap — and the tools Stevie used to fund hers without sacrificing everythingThe one thing Stevie didn't cut during parental leave (her investment property) — and the thing she started the week her baby was bornCan you buy an investment property while on parental leave? Nefe's client had $80k saved — here's what the bank saidThe goal isn't to eliminate life during parental leave. The goal is to know the number and have a plan for it. Women should own half the world. Come own it with us. Instagram ⁠⁠⁠⁠⁠⁠@SheOwnsThispodcast YouTube: She Owns This podcast

    25 min

  8. 19 May

    The Fear Factor: 5 Reasons You Still Haven't Invested⎟Ep. 10

    Every week Nefe and Stevie sit across from people who want to invest in property — and talk themselves out of it. This episode is for them. Five fears, five reframes, and the data that changes the conversation.In this episode: Fear #1: House values will go down Fear #2: Market uncertaintyFear #3: Dodgy tenantsFear #4: Government regulation and tax changes Fear #5: Interest rate rises — the practical tool Nefe used on her own property to plan for every scenarioThis week's challenge: run the numbers on a real property using the free Opes Plus cashflow calculator at opespartners.co.nzThe risk of doing nothing is just as real as the risk of doing something. Here's how to work through it. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠SheOwnsThispodcast⁠YouTube: ⁠SheOwnsThispodcast

    30 min
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About

She Owns This is a weekly New Zealand podcast about money, property and financial confidence. Hosted by financial advisers Stevie and Nefe from Opes Partners, it’s for Kiwi women who want to build wealth but feel like most money advice isn’t really made for them. Each episode breaks down money and property in plain English and gives one simple action listeners can take that week. Because in NZ, women are still under-represented in property ownership — and this podcast is about changing that. Disclaimer: This podcast is for general information only and is not financial advice.

Information

  • Creator
    Opes Partners
  • Years Active
    2K
  • Episodes
    17
  • Rating
    Clean
  • Copyright
    © Opes Partners
  • Show Website
    She Owns This

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