Final Property Development Club podcast for 2025! Andrew Crosby joins me to wrap up the year and look ahead to what's coming.   We dive deep into the government's new development levies system - how it'll replace development contributions and what it means for developers. Plus, economist Cameron Bagrie's bombshell claim that we're actually overbuilding in New Zealand right now (34,000 consents vs 20,000 homes needed).   Andrew shares his LinkedIn poll results, we cover contractor availability, the two-tier market, and why some suburbs are up 10%+ while townhouses struggle.   Also: Goldman Sachs predicting gold at $5,000, rates caps for councils, and why everything might actually get fixed in 2026.