Property's been the golden-goose egg in New Zealand for as long as we've known. It was your retirement plan, your income stream, your lifeline, and what you worked towards.

The plan was simple: buy a house, pay it off and/or rent it out, and by the time you stopped working you had something solid behind you. It was our version of the American Dream.

But with the house market in a state of volatility or decline, interest rates and insurance going up, and capital gains tax becoming a hot-topic, is planning your life around the property ladder outdated? or is it a financial trap?

So is property still the asset it was, or should we starting widening our view elsewhere?

Opes Partners Resident Economist Ed Mcknight joins Tim Beveridge now for the One Roof Radio show.

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On the One Roof Radio Show, founder of Property Quadrants and property commentator Nichole Lewis joins Tim Beveridge to talk about why less people are including property in their retirement planning.

And why is it so hard to sell an apartment? Should first-home buyers steer clear of something that they'll likely be stuck with?

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On the One Roof Radio Show Harcourts Managing Director Bryan Thomson joins Tim Beveridge to talk about how a Capital Gains Tax would affect the property market.

And The Opportunity Party proposed a land tax on urban residential properties, and Bryan isn't keen on the idea.

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On the One Roof Radio Show buyer's agent Alex Martelli spoke to Tim Beveridge about kiwi's seemingly falling out of love with property. But is the vibe being skewed by the level of the fall as measured since prices went bonkers?

And they discuss everything apartment ownership.

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Aspire Property Management's Mike Atkinson discusses tough times for landlords, calling it the worst market in 50 years.

For years the story was rental shortage, rising rents, desperate tenants, but now we’ve got softer rents in some main centres, more townhouses and apartments, and tenants needing affordability.

So, the question arises, is it a renter's market, and if so, how long will it last?

And what is the golden number for what percent of your income you should spend on housing?

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Rates are going up again, more than 7% in Auckland, buyers are cautious, the OCR will not be dropping anytime soon, and the market remains soft.

In such a volatile market, those selling a home need to be careful that their property has value, and any changes actually add value if they have any hopes of real estate success.

Interior designer Kelly Gammie joined Tim Beveridge to reveal which renovations add value, and which details age a home.

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Staging homes has been a popular way to market your property for years.

It's not your home as you have lived in it God Forbid but it gives potential buyers an idea of what their future home could look like if it were intentionally designed and hardly lived in.

We know our home likely won't look a whole lot like that once we move ourselves in - but there's a rising trend of digitally altered property photos that are harder to see through.

What was once just higher contrast and saturation, or greener grass, could be a slippery slope to changes that would cost an arm and a leg to make a reality.

Overseas, a few agents have even gone as far as knocking out a wall or installing a deck digitally to show the potential of a property that may not have a lot to offer otherwise.

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We've all heard the age-old advice you should buy the worst house on the best street - but is that still the case?

The divide between what's considered a 'good' or 'bad' street seems to be less obvious than what it once was, and the cost of building or renovating has skyrocketed in recent years.

It's just not as easy these days to throw a little bit of cash and a few weekends of hard work at a run down house to bring it up to the level of neighbours.

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