After our bumper mortgage episode 'Home discomforts: living on the edge', all about the people affected by interest rates hikes and the cost of living, we wanted to explore the issue even further. We drill into the state of the property market with a property economist and find out what the change of government could mean for first-time buyers and investors. We also sit down with former Reserve Bank Governor Dr Alan Bollard to better understand the thinking that drives the decisions which determine our interest rates.