What the 2026 minor-dwelling changes really mean for landowners
A plain-English read on the new rules — and where the actual opportunity sits.
Property Developer & Investor — Auckland, New Zealand
I develop and invest in well-located New Zealand property — and I get more housing out of it by knowing the feasibility before the first shovel goes in.
About
I've spent the better part of four decades in New Zealand property — 101 deals and counting, across development, investment and finance structuring.
I've bought, built, consented, restructured and sold through every kind of market this country has thrown up, and the through-line has always been the same: understanding a site's real numbers before anyone puts a shovel in the ground.
Today my work is concentrated in Auckland, where I focus on getting more housing out of well-located land — higher-density and social-housing schemes in metropolitan zones, and the minor-dwelling and granny-flat opportunities opened up by the 2026 regulatory changes. I run detailed feasibility on every project: hybrid development schemes, cashflow modelling, sensitivity analysis. In development, the difference between a good deal and a bad one is usually visible in the model long before it's visible on site.
Alongside the developments, I structure the finance that makes them work. I came into property having spent three years inside a merchant bank and finance company, learning the money game from the lender's side of the desk — which is why second-tier property finance is a space I know well. Most developers only ever see it as a borrower; I've seen how these deals get assessed and priced from both chairs.
Property has been the constant through all of it, but development runs in cycles, and cycles have troughs. So alongside it I've built cashflow businesses to carry the quiet stretches — starting in the late 1980s with a carpet and vinyl recovery business doing flood uplift work for insurance companies, and since then an indoor climbing gym, a rest home and hospital, and a sales-training company. Different industries, same discipline: understand the numbers, build the operation, make it perform.
After 40 years and 101 deals, what I've really accumulated is judgement — an instinct for which sites will work, which consents are worth chasing, and where the risk actually sits.
What I do
Hybrid schemes, cashflow modelling and sensitivity analysis — the work that decides whether a site is a good deal or a bad one before any money is committed.
Making the most of the 2026 minor-dwelling and granny-flat rule changes — extra yield from well-located land that already has good bones.
Self-contained units and higher-density schemes in Auckland's metropolitan zones, built to maximise yield and deliver genuinely needed housing.
Structuring the finance that gets projects funded — informed by three years inside a merchant bank and finance company, so I read second-tier lending from the lender's side as well as the borrower's.
Track record
A selection of projects — developments, acquisitions and restructures across New Zealand. This section grows as each deal is written up.
Location · scheme · what you delivered and the outcome. Replace with a real deal.
Location · units · consent won · yield achieved. Replace with a real deal.
Location · the situation · how you structured it · result. Replace with a real deal.
↳ Send Gavin's deal notes and these become real, detailed case studies — the original, name-linked content that builds authority.
Insights
Writing on feasibility, intensification and investing in the current New Zealand market.
A plain-English read on the new rules — and where the actual opportunity sits.
The model I build on every deal, and the numbers that decide go / no-go.
An ongoing series working through four decades of New Zealand property.
Where density stacks up, where it doesn't, and how to tell early.
Contact
Whether it's a site you're trying to make work, a development that needs feasibility, or a finance structure that needs thinking through — I'm happy to talk.
Get in touch