The Property Brain
Every MMFG property recommendation passes through the same five strategic filters. Here's how we think about it.
📍Location
Infrastructure investment, population growth corridors, school zones, and geographic scarcity — the single biggest predictor of long-term performance.
📈Capital Growth
What's driving demand locally? High-growth nodes return 7–10% p.a. vs 3% for steady suburban. The gap compounds massively over 20 years.
🏠Product Type
Townhouse, apartment, standalone, family home, lifestyle, renovation — each has different yield, growth, deposit, and management characteristics.
💰Affordability
Your deposit determines your access. 10% gets new build turnkey. 20% opens main banks. 30% unlocks existing stock. Home equity can replace cash.
🎯Strategy
Buy and hold compounds wealth over decades. Flipping creates short-term profit but requires skills, timing, and carries NZ bright-line tax implications.