The Property Academy Podcast is a daily show that gives you insight, analysis and strategies for how to get the most out of the NZ property market. That's whether you're an existing or aspiring property investor, you want to get into your first home, or you're just interested in the property market. Andrew Nicol and Ed McKnight host the podcast. Andrew is the Managing Partner of Opes Partners and a prolific investor himself. Ed is an economist. Both Stuff and Juno Investment Magazine have previously published his analyses. https://www.opespartners.co.nz/investment/property-investment
7 ways to legally pay less tax (for property investors) ⎥ Ep. 1870
In this episode, we are joined by Marc from Opes Accounting to discuss the 7 ways property investors can legally pay less tax.
This includes including all your tax deductions and claiming all your costs (including the ones you might not have thought of).
Try our new web app Opes+, click the link to sign up.
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10/24/2024 • 13 minutes, 21 seconds
These 3 secret changes let you borrow more money for a house ⎥ Ep. 1869
In this episode, we discuss 3 secret changes that are letting investors and home buyers borrow more money to buy a house.
This includes changing servicing test rates and changes in the banks lending criteria.
We also mention our new free web app Opes+, click the link to sign up and try it out.
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10/23/2024 • 12 minutes, 33 seconds
Commercial vs residential property – what makes more money in 2025? ⎥ Ep. 1868
In this episode, we debate what's better – commercial or residential property? And what will make more money in 2025.
For this, we are joined by Lloyd Budd, the CEO of Bayleys in Auckland.
Lloyd walks us through what an entry level commercial property looks like, what is costs and the potential returns.
We compare that with residential property and talk through the differences.
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10/22/2024 • 21 minutes, 1 second
What houses can you buy for under $500K in NZ? ⎥ Ep. 1867
In this episode, we discuss the houses that you can still buy for under $500k in Auckland and across New Zealand.
We're often told that houses in New Zealand are expensive (and they are).
But, the data we often read in the media doesn't tell the full picture. So we dive into the numbers and show how many properties can still be picked up cheaply.
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10/21/2024 • 12 minutes, 2 seconds
I discovered the hidden truth about rental supply and demand ⎥ Ep. 1866
In this episode, we dig through the data from realestate.co.nz to see what tenants are searching for ... and what property investors are servicing up.
This is to find hidden gaps in the market to see where there could be opportunities for property investors to make more money.
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10/20/2024 • 18 minutes, 17 seconds
I started developing properties at 13-years old – here's how ⎥ Ep. 1865
In this episode, we are joined by Sanmeet Singh to talk about how he started developing properties at just 13 years old.
In this Case Study Sunday, he talks about how his father brought him into the family development business.
He translated for his dad at the bank and learned the tools of the trade.
Now, he continues to develop properties as part of the family business.
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10/19/2024 • 16 minutes, 15 seconds
Revealed: What renters really want (what they search for online) ⎥ Ep. 1864
In this episode, we share new data from realestate.co.nz that shows what renters really want.
This includes what renters search for when they are looking for properties ... and what the most important factors are.
We also mention our new free web app Opes+, click the link to sign up and try it out.
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10/18/2024 • 17 minutes, 31 seconds
Flooding in Dunedin: What landlords need to know ⎥ Ep. 1863
In this episode, we discuss what property investors and landlords needs to know about the Dunedin floods.
That includes how to avoid flood-prone properties ... and the key things we can learn from this experience.
We also mention our new free web app Opes+, click the link to sign up and try it out.
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10/17/2024 • 10 minutes, 26 seconds
Inflation hits 2.2% – what does it mean for interest rates? ⎥ Ep. 1862
In this episode, we discuss the latest inflation numbers. These show that inflation has hit 2.2% – the lowest in over 3.5 years.
We share what property investors can expect when it comes to lower interest rates ... and what to think about when applying for your mortgage.
We also mention our new free web app Opes+, click the link to sign up and try it out.
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10/16/2024 • 11 minutes, 13 seconds
Where should I invest in NZ? [2024]
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'Where should I invest in NZ?
Join Ed and Andrew as they analyse data using our Opes Area Analyser and Opes+ web app, and discuss the different mindsets between homebuyers and investors
And a bit of fun to wrap up when they hand out awards for the best and worst places to invest in New Zealand. Which place will be the winner?
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10/15/2024 • 1 hour, 26 minutes, 22 seconds
Furnished vs unfurnished properties – What makes investors more money? ⎥ Ep. 1861
In this episode, we compare furnished and unfurnished properties.
This includes the extra costs and rental returns that come when you furnish your property.
We also discuss which sort of properties should be furnished ... and which don't matter so much.
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10/15/2024 • 11 minutes, 22 seconds
Make $200k from a granny flat? How much will a minor dwelling increase my property's value? ⎥ Ep. 1860
In this episode, we discuss how much adding a granny flat to your property increases its value.
This includes whether a minor dwelling is more of a cashflow / rental-return proposition ... or whether it's more of an equity play.
This is so property investors can know what return they can expect when building a granny flat.
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10/14/2024 • 11 minutes, 34 seconds
Capital Gains Tax in NZ? - The arguments for and against ⎥ Ep. 1859
In this episode, we discuss whether NZ needs a capital gains tax.
We go through the arguments for and against and what it means for NZ property investors.
We also share how investors reacted to the discussion of a capital gains tax after Ed's recent appearance on Newstalk ZB.
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10/13/2024 • 15 minutes, 12 seconds
How I bought 12 houses in 3 years ... as a full time property flipper ⎥ Ep. 1858
In this episode, we are joined by Ash Binnie, a full time property flipper.
He shares how he bought 12 properties in 3 years and became a full-time property flipper.
This includes how much money you need to start flipping properties, and how he stepped away from his full-time job.
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10/12/2024 • 15 minutes, 7 seconds
Philip Polkinghorne's property: can he sell it and can you get it cheap? ⎥ Ep. 1857
In this episode, we discuss the case of Philip Polkinghorne, but from the perspective of his house sale.
Polkinghorne has been the centre of a high-profile court case, involving the death of his wife.
Since her passing Polkinghorne has attempted to sell the property. But, does the stigma of a death in the house impact the property's value?
We dig through the numbers to see how the value of the property will be impacted.
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10/11/2024 • 11 minutes, 48 seconds
OCR Slashed: What it means for interest rates ⎥ Ep. 1856
In this episode, we discuss the Reserve Bank's most recent move to slash the Official Cash Rate (OCR).
This move will likely cause interest rates to fall further, it cheaper for investors and first home buyers to get into the market.
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10/10/2024 • 11 minutes, 44 seconds
3 clever negotiation tactics when buy a property ⎥ Ep. 1855
In this episode, we discuss the 5 clever negotiation tactics you can use when you buy a property.
That's whether it's for an investment or for your first home.
These are the clever clauses to negotiate.
We also mention our new app, Opes+, click the link to try it out.
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10/9/2024 • 12 minutes, 57 seconds
Cross-lease to freehold conversions – how much money can I make? ⎥ Ep. 1854
In this episode, Kirstie from Good Title joins us to talk about cross-lease conversions.
This includes how much a cross-lease conversion costs and how much money property investors and first home buyers can make.
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10/8/2024 • 15 minutes, 11 seconds
How long do the good times & bad times last? Tony Alexander ⎥ Ep. 1853
In this episode, we are again joined by economist, Tony Alexander.
He shares how long you can expect the good and bad times to last through the property cycle.
We also mention to check out Tony Alexander's surveys, click the link to read.
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10/7/2024 • 22 minutes, 4 seconds
What's the next Covid? – Tony Alexander ⎥ Ep. 1852
In this episode, we discuss what the next big thing to rock the property market will be.
We're joined by independent economist, Tony Alexander, to crystal ball gaze and guess what could be coming next.
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10/6/2024 • 21 minutes, 2 seconds
"I bought my first home at 23 ... Here's how I did it" [Case Study Sunday] ⎥ Ep. 1851
In this episode, we are joined by Joshua Watson to discuss how he bought his first home at just 23 ... in 2024.
Joshua shares what he bought, where he bought ... and how we got the money to buy his first home.
He also shares what his next steps are to grow his wealth.
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10/5/2024 • 15 minutes, 51 seconds
Tony Alexander: What's happening in the property market? ⎥ Ep. 1850
In this episode, we are joined by Tony Alexander, an independent economist.
He talks us through what's happening in the NZ property market and what he's seeing in his surveys.
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10/4/2024 • 17 minutes, 36 seconds
How much money you should have by age (net worth + income) ⎥ Ep. 1849
In this episode, we discuss how much money you should have based on your age.
This includes what your income and net worth should be based on the median New Zealander your age.
We also introduce the Wealth Equation, which comes from The Millionaire Next Door.
It's a simple guide to get a feel for whether your on track for how much money you 'should' have.
We also mention our new app, Opes+, click the link to try it out.
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10/3/2024 • 13 minutes, 29 seconds
Why is house insurance 30% more expensive?! ⎥ Ep. 1848
In this episode, we discuss why house insurance is so damn expensive!
Most house insurance is becoming up to 30% - 40% more expensive.
This is because of the Auckland floods and Cyclone Gabrielle. Insures feel that they've under-priced risk in New Zealand.
So they are readjusting the costs.
We also mention our new app, Opes+, click the link to try it out.
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10/2/2024 • 12 minutes, 22 seconds
What's the minimum insurance I can get away with an investor? ⎥ Ep. 1847
In this episode, we discuss the minimum amount of insurance you can get away with as a property investor.
This includes the Risk Reducer plan that we've come up with.
That way you can see the bare minimum life insurance, trauma insurance and income protection insurance we think you need.
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10/1/2024 • 16 minutes, 18 seconds
Should I break my interest rate to get a cheaper rate? [Break fees] ⎥ Ep. 1846
In this episode, we discuss whether you should break your fixed interest rate to lock in a lower rate.
We discuss the break fees you'd have to pay ... and whether that lower rate is worth it.
We also mention our new app, Opes+, click the link to try it out.
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9/30/2024 • 11 minutes, 17 seconds
What's a good cashflow for an investment property in 2024? ⎥ Ep. 1845
In this episode, we discuss what a good cashflow looks like for an investment property in 2024.
Lower interest rates are improving cashflows property investors. But that doesn't mean that investment properties are printing money.
So we go through a couple of cashflows to give you a sense about what's realistic in 2024.
We also mention our new app, Opes+, click the link to try it out.
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9/29/2024 • 13 minutes, 13 seconds
"I got cancer at 32 ... and beat it. Now we're mortgage free" [Case Study Sunday] ⎥ Ep. 1844
In this episode, we are joined by Jason and Amber for another case study Sunday.
Amber shares her brave story about how she got cancer in her 30's ... twice.
She beat it both times.
Throughout their journey they've invested in property and are now mortgage free, living in Papamoa.
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9/28/2024 • 27 minutes, 13 seconds
How to find the best places to buy a house (free data) ⎥ Ep. 1843
In this episode, we discuss how to find the best areas to invest in.
This includes how to use our new Area Analyser tool to get free data. Click the link to try it out.
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9/27/2024 • 14 minutes, 2 seconds
How much money can I make investing in property? ⎥ Ep. 1842
In this episode, we discuss how much money you can potentially make investing in property.
That includes how much investors have made in the past, and the different ways you can make money in the future.
We also mention our new app, Opes+, click the link to try it out.
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In this episode, we give an update on the New Zealand property and housing market.
This includes where house prices are rising and falling. And whether it is getting easier or harder for investors to find good tenants.
We also mention our new app, Opes+, click the link to try it out.
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9/25/2024 • 13 minutes, 3 seconds
[Review] Housies: $100 to buy a piece of property. Truth or scam? ⎥ Ep. 1840
In this episode, we discuss Housies, a new app and website where you can buy a piece of property for as little as $100.
We dig through the details to see if fractional ownership is legit, or whether it'll flop.
We also discuss previous proportional ownership schemes in New Zealand and where they are now.
We also mention our new app, Opes+, click the link to try it out.
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9/24/2024 • 12 minutes, 50 seconds
How to diversify your property portfolio (the right way) ⎥ Ep. 1839
In this episode, we discuss how to diversify your property portfolio, the right way.
This includes how to get better returns while taking the same risk.
We also mention our new app, Opes+, click the link to try it out.
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9/23/2024 • 14 minutes, 55 seconds
5 steps to spot a dodgy developer: here’s what to do ⎥ Ep. 1838
In this episode, we discuss the 5 steps property investors can take to spot a dodgy property developer.
This includes the 5 searches you can do online to protect yourself as a property investor or first home buyer.
We also mention our new app, Opes+, click the link to try it out.
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9/22/2024 • 14 minutes, 3 seconds
"It took 10 years to buy our 1st investment property" [Case Study Sunday] ⎥ Ep. 1837
In this episode, we are joined for another Case Study Sunday by Marcus Sonntag.
Marcus shares how it took him 10 years to buy his first investment property.
But, he's finally done it. He shares what got him across the line.
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9/21/2024 • 15 minutes, 10 seconds
Warren Buffett, Jeff Bezos, and Nick Mowbray's best investment quotes - What property investors can learn ⎥ Ep. 1836
In this episode, we discuss Warren Buffet, Jeff Bezos and Nick Mowbray's best investment quotes.
That includes what property investors can learn ... and how to apply it in today's market.
We also mention our new app, Opes+, click the link to try it out.
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9/20/2024 • 12 minutes, 57 seconds
Future of NZ house prices with Kiwibank chief economist – Jarrod Kerr ⎥ Ep. 1835
In this episode, we discuss the future of the NZ housing market and house prices with Kiwibank's chief economist, Jarrod Kerr.
And as mentioned here is the link to the economics section of the Kiwibank website.
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9/19/2024 • 22 minutes, 23 seconds
Good tenant vs bad tenant: Warning signs to look out for ⎥ Ep. 1834
In this episode, we discuss the difference between good and bad tenants.
This includes the warning signs to look out for if you are self-manging your investment property.
We also mention our new app, Opes+, click the link to try it out.
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9/18/2024 • 10 minutes, 41 seconds
Bonus: How much money can I make from property? [How to actually run the numbers] - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How much money can I make from property? [How to actually run the numbers]', and shared our new Area Analyser and our app Opes+.
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9/17/2024 • 1 hour, 26 minutes, 45 seconds
5 years of the Property Academy Podcast 🎉 [5th anniversary special] ⎥ Ep. 1833
In this episode, we celebrate 5 years of the Property Academy Podcast.
We look back at some of our most popular episodes and some of the highlights from the last 5 years.
We also look back at what we set out to achieve ... and whether we've done it.
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9/17/2024 • 14 minutes, 51 seconds
How long will it take to sell my house? ⎥ Ep. 1832
In this episode, we discuss how long it takes to sell a house in New Zealand.
This includes the time it takes to get a property ready for sale, how long it might be on the market, and when you get paid.
This is so property investors and homeowners can know how long it might take to sell your home.
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9/16/2024 • 11 minutes, 52 seconds
Investors vs first home buyers: are investors buying all the houses? ⎥ Ep. 1831
In this episode, we compare investors and first-home buyers to see if investors are buying all the houses and stopping first-home buyers from getting into the market.
We look at the data and find the investors and first home buyers tend to increase their purchases at the same time.
They are positively correlated. When investors buy more houses, first home buyers tend to buy more houses too.
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9/15/2024 • 12 minutes, 13 seconds
"32 years later, I'm a full time landlord" – [Case Study Sunday] ⎥ Ep. 1830
In this episode, we are joined by Peter Lewis, the Vice President of the NZ Property Investors Federation.
Peter shares how began investing in property in 1991 and what he's doing it for.
He also shares what he looks for in a property and why property managers don't charge enough.
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9/14/2024 • 24 minutes, 12 seconds
Properties in the future – What will we want in 2034? ⎥ Ep. 1829
In this episode, Stuart Donovan from Motu joins us to discuss what properties New Zealanders will want in the future.
Stuart talks about the move towards 'quality compact', which is driven by both rising incomes and fewer people living per household.
This is important for properties, as we want to invest in properties that are needed and will be desired in the future.
And as mentioned in this episode, you can see Stuart Donovan's research over on the Motu website.
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9/13/2024 • 22 minutes, 3 seconds
Q+A – Your property questions answered ⎥ Ep. 1828
In this episode, we answer your questions about how to grow a property portfolio and get money from the bank.
This is based off the questions asked at our recent website, which you can watch or listen to here.
And we also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/12/2024 • 17 minutes, 7 seconds
[Review] Mary Holm: Is her advice any good? ⎥ Ep. 1827
In this episode, we discuss some advice recently given by financial journalist, Mary Holm.
We go through a situation she brings up in her column. We go through the numbers to see whether we agree (or not).
We also play clips from Mary to share what she really thinks about property.
And don't forget to join us for our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/11/2024 • 18 minutes, 22 seconds
How long does it take to find a tenant – Vacancy rates revealed ⎥ Ep. 1826
In this episode, we discuss how long it takes to find a tenant.
This includes how much vacancy you can expect as a property investor and what our team at Opes Property Management are seeing.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/10/2024 • 16 minutes, 4 seconds
Can I still invest if the numbers look bad? ⎥ Ep. 1825
In this episode, we discuss whether you can still invest in property even if the numbers look bad (in some respects).
As an example, we look at Queenstown. Our numbers suggest that Queenstown looks overvalued. But, are there other numbers that make it look better?
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/9/2024 • 13 minutes, 22 seconds
What does a good investment property look like? ⎥ Ep. 1824
In this episode, we discuss what a good investment property looks like.
This includes how a good investment property changes depending on your strategy.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/8/2024 • 15 minutes, 26 seconds
"I just live off the rent from my properties" – Case Study Sunday with Kerry Beveridge ⎥ Ep. 1823
In this episode, we are joined by Kerry Beveridge for another Case Study Sunday.
Kerry talks about how he is able to be a full time property investor. He lives off the rent from his properties and spends time with his kids.
He shares his story about how he's done it.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/7/2024 • 14 minutes, 40 seconds
When will it finally be easier to get a mortgage? ⎥ Ep. 1822
In this episode, we discuss when it will finally be easier to get a mortgage.
We look at the 5 different factors that impact how easy it is to get a mortgage.
So you can get a sense of when it might become easier for you.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/6/2024 • 14 minutes, 50 seconds
Tiny home saves couple $10,000+ – Here's how ⎥ Ep. 1821
In this episode, we are joined by Michael and Hilde to discuss their property investment strategy.
That includes how a tiny home is helping them save thousands of dollars so they can invest even more.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/5/2024 • 15 minutes, 47 seconds
Banks with the best maternity leave policies ⎥ Ep. 1820
In this episode, we discuss which banks have the best maternity leave policies.
This is for any expectant mums and dads who still want to get a mortgage. That's whether you want to buy your own home or an investment property.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/4/2024 • 14 minutes, 15 seconds
Is now a good time to invest in property? ⎥ Ep. 1819
In this episode, we discuss whether it's a good time to invest in property.
We dig through the 4 main factors that determine whether it is a good time to invest.
We analyse each point so you can determine whether it's the right time to invest for you.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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9/3/2024 • 15 minutes, 53 seconds
BNZ scraps higher interest rate for first home buyers ⎥ Ep. 1818
In this episode, we discuss how BNZ has just scrapped their standard interest rates, that sometimes force first home buyers to pay more for their mortgages.
We discuss whether the devil is in the detail, and what first home buyers and property investors need to know.
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9/2/2024 • 9 minutes, 28 seconds
How long do I need to own my property to make money? ⎥ Ep. 1817
In this episode, we discuss how long you need to hold your property for to make money through property.
This includes the average years people own their properties for when the sell and make money ...
And the average time people hold their properties for when they lose moeny.
Through all this, we see the principle that the longer you own your property for ... the more likely it is that you make money through property.
These numbers are based on Core Logic's pain and gain report.
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9/1/2024 • 11 minutes, 59 seconds
Paying down debt vs investing – what's better? [Case Study Sunday] ⎥ Ep. 1816
In this episode, we are joined by Dean Gordon for another case study Sunday.
Dean featured on the podcast almost 4 years ago. Back then he was thinking about whether to pay down debt or invest.
We ran through the numbers. And now we're catching up with him to see how it's all gone.
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8/31/2024 • 18 minutes, 22 seconds
How many investment properties can I buy in 15 years? ⎥ Ep. 1815
In this episode, we re-cap our most recent webinar and discuss how many properties an investor can reasonably buy over 15 years.
We go through 2 situations to show you how it really depends on how big your income is.
This gives investors (for the first time) a good sense of how fast they can grow their property portfolios.
We mention our previous webinar '5 houses in 5 years: How many houses can I actually buy before I retire?' click the link to watch.
Or if you prefer to listen the audio version is here.
To register for our next webinar 'How much money can I make from property? [How to actually run the numbers]' click the link to sign up.
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8/30/2024 • 12 minutes, 53 seconds
Interest rate fight: Which bank is the king of cuts? ⎥ Ep. 1814
In this episode, we discuss which bank is the king when it comes to interest rate cuts.
This is part of our launch of the Opes OneRoof Cut Counter.
This shows you which banks are cutting their interest rates most, and how far rates are have dropped.
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8/29/2024 • 10 minutes, 11 seconds
6 months vs 1 year: How long should I fix my interest rate for? ⎥ Ep. 1813
In this episode, we discuss how long you should fix your mortgage interest rate for.
Is it better to go for 6 months, 1-year, 18-months or something else.
We dig through the numbers so first home buyers and property investors can make the right decision for them.
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8/28/2024 • 12 minutes, 58 seconds
Retention cash: How to get free money from your bank ⎥ Ep. 1812
In this episode, we talk about how to get free money from your bank.
It's called retention cash. It's a type of cashback where your banks rewards you for your loyalty (as long as you don't move away).
We talk about how much you can get, what the catch is, and whether it is worth it.
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8/27/2024 • 8 minutes, 8 seconds
What tenants really want – Consumer NZ research revealed ⎥ Ep. 1811
In this episode, we are joined by Gemma Rasmussen from Consumer NZ.
Gemma shares the results from Consumer NZ's research about what tenants really want.
This includes their concerns, worries and fears when it comes to renting properties.
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8/26/2024 • 15 minutes, 34 seconds
How fast will house prices go up? [2024 and beyond] ⎥ Ep. 1810
In this episode, we discuss how fast house prices may go up over the long term.
This includes what property investors can reasonably expect when they invest in property.
We share what data to look at (and what data not to look at), when forecasting your property investment returns.
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8/25/2024 • 15 minutes, 2 seconds
"I bought 4 houses in 1 year. Here's how" – [Case Study Sunday] ⎥ Ep. 1809
In this episode, we are joined by David, a property investor and listener of the show.
David shares the story about how he bought 4 houses in a single year and now rents them our on AirBnb.
He shares what he's learned and how he did it. All so you can get more ideas for your property investing strategy.
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8/24/2024 • 20 minutes, 59 seconds
What makes more money? Bedroom vs bathroom renovation ⎥ Ep. 1808
In this episode, we discuss what makes property investors more money – a bedroom or a bathroom renovation.
We dig into the latest data from the new CoreLogic House value index, which tells us what really increases the value of properties.
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8/23/2024 • 11 minutes, 28 seconds
How to make cheeky offers on properties to get a good price ⎥ Ep. 1807
In this episode, we discuss how property investors and first home buyers can put in cheeky offers for properties.
This includes how to get a low price, how to get your offer accepted ... and how to put in a cheeky offer the right way.
We also mention Steve Goodey's upcoming Property Bootcamp
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8/22/2024 • 14 minutes, 33 seconds
OCR down – interest rates slashed. How low will they go? ⎥ Ep. 1806
In this episode, we discuss the Reserve Bank's recent OCR cut.
We talk about the impact on interest rates, how low they will go and what it all means for property investors.
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8/21/2024 • 15 minutes, 43 seconds
Bonus: 5 houses in 5 years - How many houses can I actually buy before I retire? - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at '5 houses in 5 years - How many houses can I actually buy before I retire?'.
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8/20/2024 • 1 hour, 24 minutes, 35 seconds
Private school vs invest in property – what's right for me? ⎥ Ep. 1805
In this episode, we compare and contrast sending your kids to private school vs investing in property (and giving them the money).
This includes different ways that property investors use property to send their kids to good schools and what you need to think about when it comes to giving your kids the best start in life.
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8/20/2024 • 13 minutes, 46 seconds
Sudden money – What NOT to do when you suddenly get money ⎥ Ep. 1804
In this episode, we discuss Sudden Money, and how to make your money last when you suddenly get a lump sum of cash.
This isn't just useful for Lotto winners. This is useful for business owners who sell their businesses, farmers who sell their farms, and all property investors who will eventually sell their properties.
And don't miss our webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on tonight, Tues 20th August at 7pm. Click the link to register.
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8/19/2024 • 15 minutes, 35 seconds
Where to buy a house under $500k – the places with the highest chance ⎥ Ep. 1803
In this episode, we discuss the areas in NZ with the highest chance of buying a house for $500k or less.
This includes which areas have houses for less than $500k and what sort of house you can buy.
And don't miss our upcoming webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on tomorrow night, Tues 20th August at 7pm. Click the link to register.
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8/18/2024 • 13 minutes, 1 second
"I started with cows then moved to property" – Leighton Roberts [Case Study Sunday] ⎥ Ep. 1802
In this episode, we are joined by Leighton Roberts from Sharesies to discuss how he started investing.
He takes us through how he started investing in cows with a group of friends in Hawera. Then he moved on to buying property before starting Sharesies.
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8/17/2024 • 14 minutes, 25 seconds
Did the shorter Bright Line = more listings? ⎥ Ep. 1801
In this episode, we discuss whether more investors are selling their properties since the bright line test changed.
We dig through the numbers to see how the market is changing after this law change.
And don't miss our upcoming webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on Tues 20th August at 7pm. Click the link to register.
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8/16/2024 • 10 minutes, 40 seconds
Top 1% of NZers – What it takes to get to the top 1% ⎥ Ep. 1800
In this episode, we discuss what it takes to get into the top 1% of New Zealanders when it comes to wealth.
This includes how much you'd have to invest and the number of properties you'd need to buy.
And don't miss our upcoming webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on Tues 20th August at 7pm. Click the link to register.
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8/15/2024 • 14 minutes, 50 seconds
A Māori approach to property investing ⎥ Ep. 1799
In this episode, we are joined by Kerri-Anne Hancock to discuss a Māori approach to property investing.
We look at the reasons why Māori invest, and the different considerations.
And we also mention our upcoming webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on Tues 20th August at 7pm. Click the link to register.
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8/14/2024 • 18 minutes, 13 seconds
Reverse mortgages – What's good and what's bad? ⎥ 1798
In this episode, we discuss reverse mortgages. This includes the pros and the cons (what's good and what's bad).
We analyse the details of Heartland's reverse mortgages and take you through what you need to know.
Ultimately, this helps you decide whether a reverse mortgage is right for you.
And we also mention our upcoming webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on Tues 20th August at 7pm. Click the link to register.
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8/13/2024 • 16 minutes, 6 seconds
"Find me a tenant. Fast" – How WINZ can help ⎥ Ep. 1797
In this episode, we discuss how the Ministry of Social Development's housing broker service.
To walk us through the details, we are joined by Kirk Teawhe, the Director of Housing at MSD.
This is where MSD works with tenants to get them ready to rent. And what they're doing to help landlords get and keep good tenants.
If you didn't already know about this service ... then this episode gives you another option to find a tenant.
We also mention the new season of The Deal, click the link to watch.
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8/12/2024 • 19 minutes, 30 seconds
"1% drop in interest rates = 10% rise in house prices" ⎥ Ep. 1796
In this episode, we discuss whether a 1% drop in interest rates leads to a 10% increase in house prices.
More companies claim that house prices will automatically rise when interest rates drop.
But, is it true? We dig through the numbers and interview other economists to see if this is fact ... or fiction.
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8/11/2024 • 12 minutes, 35 seconds
"Your podcast made me lazy" – Is it ok to be a lazy property investor? [Case Study Sunday] ⎥ Ep. 1795
In this episode, we are joined by Nick Metzger for a Case Study Sunday.
Nick walks us through his property investment journey ... including admitting that this podcast made him a lazy property investor.
So is it ok to be lazy? What does lazy property investment look like? And what could this approach mean for you?
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8/10/2024 • 19 minutes, 11 seconds
Do houses near new motorways go up in value faster? ⎥ Ep. 1794
In this episode, we discuss whether houses near new infrastructure go up in value faster.
This includes whether new motorways, train lines and stadiums impact your house value.
Ultimately first home buyers and property investors can use this information to buy the best house possible.
And we also mention our upcoming webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on Tues 20th August at 7pm. Click the link to register.
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8/9/2024 • 13 minutes, 14 seconds
Don't do it! – 7 signs you should NOT invest in property ⎥ Ep. 1793
In this episode, we discuss the 7 signs that you should not invest in property.
And we also mention our upcoming webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on Tues 20th August at 7pm. Click the link to register.
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8/8/2024 • 11 minutes, 58 seconds
‘How to upset a good tenant’: Avoid these property manager pitfalls ⎥ Ep. 1792
In this episode, we discuss the property manager pit falls to avoid.
This includes how to make sure you look after good tenants ... so that they don't feel like you're being intrusive.
We also mention the new season of The Deal, click the link to watch.
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8/7/2024 • 12 minutes, 6 seconds
Du Val in receivership after police raid – What went wrong? ⎥ Ep. 1791
In this episode, we discuss the latest news around Du Val and Kenyon Clarke.
We go past the headlines to understand what's happening, whether Du Val will close and what it means for their customers.
And we also mention our upcoming webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on Tues 20th August at 7pm. Click the link to register.
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8/6/2024 • 15 minutes, 1 second
The 'No Mortgage Mindset' – Get your attitude right to pay your mortgage off faster ⎥ Ep. 1790
In this episode, we discuss how to get into the 'No Mortgage Mindset'.
This is the mindset you need to get into if you actually want to pay your mortgage off faster.
We also mention the new season of The Deal, click the link to watch.
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8/5/2024 • 11 minutes, 42 seconds
3 new changes = easier to get a mortgage ⎥ Ep. 1789
In this episode, we discuss 3 changes that are making it easier for Kiwis to get a mortgage.
This is welcome news to both first home buyers and property investors.
It means that some people can borrow hundreds of thousands of dollars more to get into the property market.
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8/4/2024 • 11 minutes, 20 seconds
[Live Coaching] "Flipping vs buy and hold. What do we do next?" – Case Study Sunday ⎥ Ep. 1788
In this episode, we are joined by Mark to discuss his property portfolio.
He and his wife own their own home. But they feel hamstrung by their mortgage and their home.
Mark wanted to know whether he should sell his house and start flipping properties. We walk through the numbers so he can make the right decision for him.
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8/3/2024 • 20 minutes
Challenge: How passive can I make my property portfolio? ⎥ Ep. 1787
In this episode, we discuss how passive you can make your property portfolio.
This includes a breakdown of what you can automate and how many hours that would save you.
We also mention the new season of The Deal, click the link to watch.
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8/2/2024 • 13 minutes, 54 seconds
Property and the Ex – Confessions from a divorce coach ⎥ Ep. 1786
In this episode, we are joined by Bridgette Jackson to discuss what happens to property when you get divorced.
Bridgette is a certified divorce coach and talks us through what property investors need to know when they split.
And if you want to learn more about Equal Exes and Equilibrium click here
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8/1/2024 • 20 minutes, 48 seconds
Revealed: 21% rates rise in this council. The areas that get hit hardest ⎥ Ep. 1785
In this episode, we discuss where rates are increasing most in New Zealand.
This includes how fast rates are going up, and how to deal with those higher rates as a property investor.
We also mention the new season of The Deal, click the link to watch.
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7/31/2024 • 10 minutes, 37 seconds
Best ways to invest $100k, $200k & $500k ⎥ Ep. 1784
In this episode, we discuss the best ways to invest $100k, $200k and $500k.
We look at the best ways to use your money depending on how much you have.
This should give you a few ideas about how you might grow your money.
We also mention the new season of The Deal, click the link to watch.
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7/30/2024 • 14 minutes, 34 seconds
Your questions answered: How to pay off your mortgage fast ⎥ Ep. 1783
In this episode, we answer the main questions asked at our recent webinar, all about how to pay off your mortgage in 5-7 years.
This includes a look at how mortgages work, and how to invest in property (the right way).
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7/29/2024 • 11 minutes, 19 seconds
5 unethical real estate agent sales tactics ⎥ Ep. 1782
In this episode, we discuss how you can avoid these 5 unethical real estate agent sales tactics.
This includes underquoting the price, trying to sell properties exclusive of GST (in an unethical way), and over promising and under-delivering.
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7/28/2024 • 14 minutes, 43 seconds
"I wanted to become a millionaire. And I did" – Sharon Cullwick [Case Study Sunday] ⎥ Ep. 1781
In this episode, we are joined for Case Study Sunday by Sharon Cullwick.
Sharon has been involved in the property investor associations for the last 20+ years.
She is the president of the Hawke's Bay Property Investors Association.
On this episode she shares her story about how she started investing in property and what she's doing now.
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7/27/2024 • 17 minutes, 43 seconds
4 ways to save money on your insurance ⎥ Ep. 1780
In this episode, we discuss 4 ways you can save money on your insurance.
This includes changing your excess, cancelling certain policies, reducing your cover and reducing your payment term.
We also mention the new season of The Deal, click the link to watch.
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7/26/2024 • 16 minutes, 3 seconds
How to pay off your mortgage in 7-10 years ⎥ Ep. 1779
In this episode, we discuss how to pay off your mortgage in 7-10 years.
This summarises all of the best ideas from our most recent webinar, all in 15 minutes.
This is useful for both homebuyers and property investors.
We also mention the new season of The Deal, click the link to watch.
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7/25/2024 • 12 minutes, 14 seconds
Interest rates slashed – how low will they go? ⎥ Ep. 1778
In this episode, we discuss what property investors need to know about falling interest rates.
All the major banks have cut their 1-year interest rates. Today they are advertising under 7% and discounting as low as 6.59%.
We let you know what you need to know, and give our interest rate predictions and forecasts. Then we let you know how low they might go.
We also mention the new season of The Deal, click the link to watch.
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7/24/2024 • 11 minutes, 9 seconds
"Here's how I forecast the property market" – with Gareth Kiernan ⎜ Ep. 1777
In this episode, we are joined by Gareth Kiernan from Infometrics.
He talks us through how he forecasts the property market and how property investors should interpret and use economist's predictions.
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7/23/2024 • 20 minutes, 50 seconds
Can you negotiate real estate commissions? The discounts you can get ⎜ Ep. 1776
In this episode, we discuss whether you can negotiate a real estate agent's commission.
We discuss how many people ask for a discount, the reaction you'll get, and how much you can save.
We also mention the new season of The Deal, click the link to watch.
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7/22/2024 • 15 minutes, 53 seconds
[New] How to time the property market ⎜ Ep. 1775
In this episode, we discuss how you can time the property market with our new Property Clock.
We've created a new interactive version so you can see which property markets in NZ are booming, and which are going backwards.
We also mention our new Property Clock which you can try out by clicking here:
main regions
all regions
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7/21/2024 • 14 minutes, 1 second
"I don't know what to do next?" – Josie [Case Study Sunday] ⎜ Ep. 1774
In this episode, we are joined by Josie Cederman to talk about her next steps in property investment.
Josie walks us through how many properties she owns, what she'd done in property and her ideas about what she could do next.
After walking through multiple scenarios, Josie decides her next steps.
7/20/2024 • 17 minutes, 45 seconds
How much more money can I make if I become self-employed? ⎜ Ep. 1773
In this episode, we discuss how much more money you can make if you become self-employed and quit your job.
We give examples of people who have quit their jobs to become contractors and also those who have started their own businesses.
We also tell you what NOT to do when you decide to go our on your own.
We also mention the new season of The Deal, click the link to watch.
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7/19/2024 • 16 minutes, 4 seconds
"Why can't we be friends?" – Dishing the dirt on the property industry ⎜ Ep. 1772
In this episode, we dish the dirt on the property investment industry.
We talk about times when investors have double-crossed each other and why you see some companies ripping into each other online.
We also mention the new season of The Deal, click the link to watch.
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In this episode, we discuss the latest OCR announcement and Westpac's lower interest rates.
We discuss the swap rates and a few predictions for where interest rates are going.
We also mention the new season of The Deal, click the link to watch.
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7/17/2024 • 10 minutes, 55 seconds
Bonus: How to pay off your mortgage in 5-7 years - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How to pay off your mortgage in 5-7 years'.
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7/16/2024 • 1 hour, 23 minutes, 31 seconds
Don't rent to your mum – do this instead ⎜ Ep. 1770
In this episode, we discuss why property investors shouldn't rent to their parents, family or friends.
This includes talking about what can go wrong, and the regrets property investors often have when they rent to family.
We also mention the new season of The Deal, click the link to watch.
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7/16/2024 • 13 minutes, 13 seconds
How many millionaires are there in NZ? ⎜ Ep. 1769
In this episode, we discuss how many millionaires there are in New Zealand.
This includes the shocking statistic that 24% of New Zealand households are millionaires.
On top of this 10% of households are multi-millionaires.
We also mention the new season of The Deal, click the link to watch.
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7/15/2024 • 13 minutes, 24 seconds
National's new housing plan – "We'll flood the market with housing" ⎜ Ep. 1768
In this episode, we discuss National's new housing plan, where Chris Bishop aims to flood the market with housing.
This includes when the changes come in, the impact on house prices, and what you can expect as a property investor.
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7/14/2024 • 14 minutes, 29 seconds
"If they're making money doing it. Why can'y I?" [Case Study Sunday] ⎜ Ep. 1767
In this episode, we are joined by Abe Taucher who is subdividing his 2nd property.
After seeing people subdivide properties and make money at work, Abe thought "why can't I do that too?"
Abe walks us through the highs and lows of the subdivision property investment strategy.
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7/13/2024 • 15 minutes, 49 seconds
Term deposits review – Are they trash or tried 'n' true? ⎜ Ep. 1766
In this episode, we discuss term deposits. We specifically look at whether they are trash or tried and true.
This includes looking at real interest rates, and adjusting for inflation and tax.
This lets you, as a property investor, decide whether you should invest in term deposits (or not).
We also mention the new season of The Deal, click the link to watch.
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7/12/2024 • 13 minutes, 15 seconds
How many properties don't sell? The chance you sell your property ⎜ Ep. 1765
In this episode, we discuss how many properties don't sell when they are listed on the market.
This includes the chance that you sell your property and where more properties are selling.
We also mention the new season of The Deal, click the link to watch.
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7/11/2024 • 12 minutes, 47 seconds
Houses selling 22% under CV – How low or high can properties go? ⎜ Ep. 1764
In this episode, we discuss how much properties are selling above or below CV.
This includes the area where houses are selling 22% below CV. And other areas where properties are selling 30% above CV.
We also mention the new season of The Deal, click the link to watch.
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7/10/2024 • 12 minutes, 32 seconds
What makes a property a good deal? ⎜ Ep. 1763
In this episode, we discuss what makes a property a good deal (or not).
We show what sort of property you should look for depending on the property strategy you're using.
After all, the right property for you depends on what you want the property for.
So we give you some things to look for.
We also mention the new season of The Deal, click the link to watch.
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7/9/2024 • 12 minutes, 48 seconds
Why net worth skyrockets after $100K ⎜ Ep. 1762
In this episode, we discuss why your net worth will skyrocket after you hit $100k.
And as you make more money it becomes easier and easier to grow your wealth.
We take you through the reasons why and what you should do with this information to stay focussed on your wealth-building journey.
We also mention the new season of The Deal, click the link to watch.
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7/8/2024 • 14 minutes, 7 seconds
Reserve Bank: Debt to Income Ratios "no immediate impact" ⎜ Ep. 1761
In this episode, we discuss the Reserve Bank's view on the Debt to Income ratios.
We share clips from a pre-recorded interview with Kate La Quesne – the Director of Prudential Policy at the Reserve Bank.
Kate shares how the DTI rules should have no immediate impact on the property market.
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7/7/2024 • 13 minutes, 37 seconds
"We slept in bunk beds to save money" – Michael Veasey [Case Study Sunday] ⎜ Ep. 1760
In this episode, we are joined by Michael Veasey for another Case Study Sunday.
Michael shares how he and his friend Jake built a house together and slept in bunk beds to save money.
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7/6/2024 • 14 minutes, 40 seconds
7 money habits keeping you poor ⎜ Ep. 1759
In this episode, we discuss the 7 money habits that could be keeping you poor.
Don't worry. We've been through all these 7 habits (and are still grappling with them) ourselves.
It's normal to fall into these.
But, once you know the 7 money habits to look out for you can start to change and improve your financial life.
We also mention the new season of The Deal, click the link to watch.
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7/5/2024 • 16 minutes, 17 seconds
DIY property management – Don't make these mistakes ⎜ Ep. 1758
In this episode, we discuss how to manage your own property.
This includes how to find good tenants, what to look for, and the mistakes not to make.
We also mention the new season of The Deal, click the link to watch.
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7/4/2024 • 15 minutes, 15 seconds
Resimac gone: Non-bank lender shuts up shop ⎜ Ep. 1757
In this episode, we discuss how Resimac, a non-bank lender is shutting up shop in New Zealand.
After losing money, the non-bank lender has decided to focus on Australia instead.
Ed and Andrew discuss what it means for home buyers and property investors. Is Resimac just the first domino to fall?
We also mention the new season of The Deal, click the link to watch.
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7/3/2024 • 14 minutes, 54 seconds
"The scariest money moment I've ever had" ⎜ Ep. 1756
In this episode, Ed and Andrew share the scariest money moments they've ever had.
This includes when they struggled with money, when they struggled to pay bills and what they did.
We also mention the new season of The Deal, click the link to watch.
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7/2/2024 • 13 minutes, 44 seconds
Rental market update – supply vs demand ⎜ Ep. 1755
In this episode, we discuss the NZ rental market.
This includes looking at both supply and demand so you can understand how long it'll take to find a good tenant for your property.
We also mention the new season of The Deal, click the link to watch.
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7/1/2024 • 16 minutes, 52 seconds
NZ property market update: What's not being said? ⎜ Ep. 1754
In this episode, we give you an update on the NZ property market.
This includes the data that the media may have missed and what you need to know as a property investor.
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6/30/2024 • 13 minutes, 35 seconds
"We got hitched and bought 2 properties in 3 months" [Case Study Sunday] ⎜ Ep. 1753
In this episode, we are joined for another Case Study Sunday by Nick.
He shares the story of how he started investing in property and bought 2 investment properties (and got hitched) all in the space of 3 months.
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6/29/2024 • 12 minutes, 15 seconds
Break leases – What if my tenant wants to leave early ⎜ Ep. 1752
In this episode, we discuss break leases, and what property investors need to know.
This includes what to do if your tenant wants to leave early, who pays the costs, and what properties tend to have more break leases.
We also mention the new season of The Deal, click the link to watch.
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6/28/2024 • 16 minutes, 28 seconds
Which interest rate should I choose? 6 months vs 1-year vs 2-years ⎜ Ep. 1751
In this episode, we discuss which interest rate you should choose when you fix your interest rate.
This includes looking at whether to go for the 6 month rate, the 1-year or the 2-year+.
We also mention the Opes Mortgages Interest Rate Report, click to register.
And Ed's Interest Rate Comparison tool, try it for yourself.
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6/27/2024 • 13 minutes
New Policy: Build a granny flat without council approval ⎜ Ep. 1750
In this episode, we discuss the coalition government's new policy of allowing people to build granny flats without consent.
We go through when the policy will be in place, what it means and what property investors need to know to take advantage of the new rules.
We also mention the new season of The Deal, click the link to watch.
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6/26/2024 • 12 minutes, 28 seconds
2 year bright line test – How NOT to get caught out? ⎜ Ep. 1749
In this episode, we are joined by John Cuthbertson from CA ANZ (the Chartered Accountants of Australia and New Zealand).
He talks about the new bright line test, and how property investors can avoid getting caught out by the new rules.
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6/25/2024 • 16 minutes, 38 seconds
How to turn your home to a rental ⎜ Ep. 1748
In this episode, we discuss how to turn your own, owner-occupier home into a rental property.
We dig into how to structure your mortgage, whether you should restructure your portfolio and how to save on tax.
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6/24/2024 • 12 minutes, 54 seconds
Interest rate predictions: When will interest rates fall? ⎜ Ep. 1747
In this episode, we discuss the interest rate predictions from several leading banks.
We interviewed economists from ASB, ANZ and Westpac to get a feel for when they think rates will come down.
This includes their predictions for the 1-year rate in 6 and 12 months time.
You can then use this information as a property investor to get a sense of how long you want to fix your interest rate for.
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6/23/2024 • 13 minutes, 25 seconds
"I lost $100k+ in a scam ... I made it back in property" – James Goren [Case Study Sunday] ⎜ Ep. 1746
In this episode, we are joined by James Goren, a property investor and owner of The Renovation Team.
James shares the story of how he started investing in property, his top renovation tips and how he lost over $100k in a scam, but made it all back through property.
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6/22/2024 • 23 minutes, 20 seconds
1 bedroom vs 2 vs 3 vs 4+ – what goes up in value faster? ⎜ Ep. 1745
In this episode, we answer the question – "how many bedrooms should my investment property have?"
This includes a fair comparison between 1 vs 2 vs 3 vs 4+ bedroom properties using CoreLogic data.
You can then use this information, as a property investor, to choose the right investment property for you.
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6/21/2024 • 12 minutes, 47 seconds
Best and worst renovation ideas to add value to your home ⎜ Ep. 1744
In this episode, we discuss the best and worst renovation ideas to add value to your home.
We discuss adding bedrooms, renovating bathrooms, painting rooms and adding a pool.
This is so you can decide the best ways to renovate your investment property.
And we also mention the Opes Partners Tenant Tool, click the link to try it out for yourself.
6/20/2024 • 14 minutes, 10 seconds
How to save money (the easy way) so you can invest ⎜ Ep. 1743
In this episode, we discuss how you can save money the easy way so you can invest.
This includes how to manage lifestyle inflation and where to find extra money.
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6/19/2024 • 15 minutes, 31 seconds
The future of house prices ⎜ Ep.1742
In this episode, we discuss the future of house prices.
This includes what will happen to house prices in New Zealand over the long term.
And whether house prices can keep going up.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/18/2024 • 15 minutes
Best and worst places to buy a house in NZ ⎜ Ep. 1741
In this episode, we discuss the best and worst places to buy a house and invest in New Zealand.
We rank every council area in the country based on the purchase price, rental yield, population and property cycle.
We also mention our Best and worst places to invest in NZ (all 67 areas ranked) article on the Opes Partners website.
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6/17/2024 • 15 minutes, 35 seconds
Confirmed: DTIs coming in – What's really going to change? ⎜ Ep. 1740
In this episode, we discuss the Reserve Bank's new mortgage lending rules – the DTIs.
This includes what will happen when they come in, and how it impacts you personally.
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6/16/2024 • 13 minutes, 6 seconds
[Live Coaching] Can Amber invest and build a $100k+ passive income? ⎜ Ep. 1739
In this episode, we have another Case Study Sunday. This time we are joined by Amber for a live coaching session.
We run the numbers to see if we can help Amber invest sooner.
Then we build her a $100k+ passive income plan through property.
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In this episode, we discuss how to avoid these property investment nightmares.
We specifically discuss what to look for in a LIM report – and how to make sure that the listing matches the LIM.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/14/2024 • 14 minutes, 45 seconds
How many properties can I buy in 10 years? ⎜ Ep. 1737
In this episode, we discuss how many properties an investor can buy over 10 years.
This is based on modelling from the Reserver bank that estimates how big a portfolio someone might be able to build now that the debt to income ratios are coming in.
Click the link if you'd like to try out our Investment Ready spreadsheet
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/13/2024 • 14 minutes, 23 seconds
Fair dinkum: How to buy an investment property in Australia ⎜ Ep. 1736
In this episode, we discuss how Kiwis can buy an investment property in Australia.
This includes the types of properties people invest in over the ditch.
We also discuss the deposit you need and what the banks look for.
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6/12/2024 • 19 minutes, 58 seconds
Bonus: What's the best property investing strategy in NZ [Ranked] - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'What's the best property investing strategy in NZ'
6/11/2024 • 1 hour, 20 minutes, 10 seconds
Is Wellington munted? [Public sector job cuts] ⎜ Ep. 1735
In this episode, we discuss whether the public sector job cuts will ruin the Wellington property market.
This includes what is going on in Wellington right now and whether our capital is munted.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/11/2024 • 16 minutes, 44 seconds
How to rent your property faster (even in a tough market) ⎜ Ep. 1734
In this episode, we discuss what property investors can do to rent their properties (even in a tough market).
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/10/2024 • 15 minutes, 55 seconds
The Budget 2024: Are the tax cuts a good idea? ⎜ Ep. 1733
In this episode, we discuss the Budget 2024.
This was Nicola Willis' first budget – we talk about whether it's a hit or a miss.
That includes what it means for property investors and who the winners and losers are.
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6/9/2024 • 12 minutes, 56 seconds
"I had $100,000 of debt on 11 credit cards" – How Tracy paid it off ⎜ Ep. 1732
In this episode, we discuss how Tracy Hemingway (the Debt Free Diva) had $100k of debt spread across 11 credit cards.
She hustled and took every side gig she could to pay it off. All 11 credit cards are now fully paid off and Tracy is now a property investor.
This is one of the best Case Study Sunday's yet.
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6/8/2024 • 22 minutes, 54 seconds
How much money you need to be top 10% of Kiwis ⎜ Ep. 1731
In this episode, we discuss how much wealth the average Kiwi has.
This includes how the average wealth goes up with age and what it takes to be in the top 10% of Kiwis.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/7/2024 • 17 minutes, 1 second
Reserve Bank chief economist – will property profits continue? ⎜ Ep. 1730
In this episode, we discuss the thoughts of Paul Conway – the Reserve Bank's chief economist.
We play clips from our recent off-air interview with him and share his thoughts on the future of property investment.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/6/2024 • 16 minutes, 48 seconds
Too excited vs too nervous to invest – How to manage your emotions ⎜ Ep. 1729
In this episode, we discuss how to manage your emotions and not get too excited, or too nervous to invest.
This includes the pros and cons of both and how to make sure you're making the right financial decision.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/5/2024 • 14 minutes, 12 seconds
How Ed McKnight bought 4 properties in 6 years [Case Study] ⎜ Ep. 1728
In this episode, we discuss how Ed McKnight invested in 4 properties over 6 years.
This includes what he bought and when. He also shares the highs and the lows so you can learn from his mistakes.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/4/2024 • 16 minutes, 45 seconds
Interest only mortgages: Are they the only way to go? ⎜ Ep. 1727
In this episode, we discuss interest only mortgages and whether they are the only way to go for an investment property.
We clear up the common misperceptions people have with interest only loans and how to use them the right way.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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6/3/2024 • 15 minutes, 3 seconds
[Interest rates] OCR update: What's in the fine print? ⎜ Ep. 1726
In this episode, we discuss the latest OCR update from the Reserve Bank.
They've decided to leave the OCR at 5.5%. But what's hidden in the fine print and the forecasts?
Here's what property investors and home owners need to know.
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6/2/2024 • 14 minutes, 4 seconds
Case Study Sunday – $150k passive income by 56 – How Adalynn and Mark plan to do it ⎜ Ep. 1725
In this episode, we are joined by Adalynn and Mark for Case Study Sunday.
They plan to retire at 56 with a passive income of $150,000.
They share how they plan to do it and the properties they're investing in to make it happen.
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6/1/2024 • 17 minutes, 10 seconds
How to buy a cheap house in an expensive suburb ⎜ Ep. 1724
In this episode, we discuss how to buy a cheap house in an expensive suburb.
This includes a look at Remuera (in Auckland), which has an average house value of $2.2 million. But some people are buying properties for less than $750,000.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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5/31/2024 • 10 minutes, 7 seconds
First Home Grant gone – "I'm $10k worse off" ⎜ Ep. 1723
In this episode, we discuss National's decision to cut the First Home Grant.
This was a subsidy geared towards first home buyers. We walk through what it means and who will hurt most.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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5/30/2024 • 12 minutes, 55 seconds
How to flip houses to make money – Tama Singh case study ⎜ Ep. 1722
In this episode, we are joined by Tama Singh, a Kiwi property flipper.
Here, Tama shares his investment journey and how he started flipping properties.
He also reveal when and how he became a property flipper.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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5/29/2024 • 21 minutes, 4 seconds
"This podcast made me lazy" – BRRRR vs Build and Hold strategy ⎜ Ep. 1721
In this episode, we compare the Build and Hold and BRRRR property investing strategies.
This includes who each strategy is right for and whether it's ok to be a lazy investor.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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5/28/2024 • 14 minutes, 20 seconds
Property investor's guide to valuations ⎜ Ep. 1720
In this episode, we discuss what property investors need to know about valuations.
This includes how to talk to a valuer, when to get a valuation and how to use them the right way.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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5/27/2024 • 16 minutes, 54 seconds
Property vs Shares – Is there a winner? ⎜ Ep. 1719
In this episode, we discuss the differences between property and shares as an investment strategy.
This includes the pros and cons of both so you can decide which is the best option for you.
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5/26/2024 • 15 minutes, 44 seconds
[Must Listen] Single-mum, 32 & almost mortgage-free – What do I do next? ⎜ Ep. 1718
In this episode, we are joined by Ruby from Queenstown. This is an inspiring case study.
At 32 Ruby is a single-mum. She's almost mortgage free and will try (almost) any thing to increase her income to pay off debt.
She's started her own business and wants to travel with her son.
Now Ruby wants to know what to do next. We give her our honest advice.
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5/25/2024 • 17 minutes, 20 seconds
Renting to WINZ tenants – pros and cons ⎜ Ep. #1717
In this episode, we discuss the pros and cons of renting your property to a beneficiary.
This includes the perceived risks – and the programmes WINZ has to protect landlords.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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5/24/2024 • 12 minutes, 23 seconds
Wolfbrook's $8k cash back. Is it as good as it seems? ⎜ Ep. 1716
In this episode, we discuss Wolfbrook's $8k cash back offer.
We dig through the details so that you can find out if it's too good to be true.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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5/23/2024 • 15 minutes, 15 seconds
Rapid fire – How to build a $100k passive income in 2024 ⎜ Ep. 1715
In this episode, we do a rapid fire where we answer your questions from our most recent webinar.
It's all about how to build a passive income through property investment in 2024
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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5/22/2024 • 15 minutes, 45 seconds
What to invest in and when – Martin Hawes ⎜ Ep. 1714
In this episode, we are once again by Martin Hawes – an author and investment expert.
Here, Martin takes us through what you should invest in at each stage of your life.
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5/21/2024 • 19 minutes, 33 seconds
'The Block' winners share their renovation tricks – The Pearsons ⎜ Ep. 1713
In this episode, we are joined by the Pearsons. They won the Block back in 2013.
Here, they share their top renovation tips and tricks, what they're up to now, and the tricks the TV studios play which means you can't believe everything you see on TV.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
5/20/2024 • 19 minutes, 18 seconds
Revealed: New build vs existing – Which goes up in value faster? ⎜ Ep. 1712
In this episode, we go through new data from CoreLogic and reveal which goes up in value faster – New Builds or existing properties?
We've tried to answer this in the past. But, there hasn't been really good data available.
So we paid the money to get the data and answer once and for all – which is better? New Builds or existing properties.
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5/19/2024 • 17 minutes, 8 seconds
Case Study Sunday – How to build spec homes with Michael Wilson ⎜ Ep. 1711
In this episode, we are joined by Michael Wilson to discuss his property investment strategy – building spec homes.
This is a classic property investment strategy that's not often discussed. Here Michael breaks down how he builds homes and then sells them once they're complete.
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5/18/2024 • 17 minutes, 37 seconds
How to earn more money: Pay rise vs side hustle vs boarder ⎜ Ep. 1710
In this episode, we discuss different ways to earn more money.
This includes a comparison between getting a pay rise, starting a side hustle and getting a boarder.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
5/17/2024 • 16 minutes, 4 seconds
Martin Hawes – 45 years of investing in 20 minutes ⎜ Ep. 1709
In this episode, we are joined by Martin Hawes, one of New Zealand's most trusted financial commentators and authors.
Here Martin shares the principles he's learned over the last 45 of investing and condenses it all down into just 20 minutes.
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5/16/2024 • 21 minutes, 3 seconds
Are Baby Boomers about to kill the property market? ⎜ Ep. 1708
In this episode, we discuss the demographic changes happening in New Zealand and whether Baby Boomers are about to kill the housing market.
This includes what happens if Baby Boomers all downsize at the same time and the impact of immigration.
And we also mention our red carpet events for the premiere of The Deal season 2, happening in Christchurch June 25th, and Auckland June 26th. Click to register for your free tickets.
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5/15/2024 • 14 minutes, 33 seconds
Bonus - How to Build $100k Passive Income Plan Through Property - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How to Build $100k Passive Income Plan Through Property' and teach you how to build your plan in 52 minutes!
5/14/2024 • 1 hour, 21 minutes, 11 seconds
Buy a house with $0 cash – The No Cash Needed method ⎜ Ep. 1707
In this episode, we discuss the No Cash Needed Method.
This is where you can buy a house with $0 of cash.
We walk through a case study of where Ed bought a house using this method so you can figure out if you can do it too.
And we also mention our Useable Equity calculator Try it out for yourself.
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5/14/2024 • 10 minutes, 13 seconds
Our honest advice for getting financial freedom ⎜ Ep. 1706
In this episode, we discuss our honest advice for achieving financial freedom.
This includes how to create a plan, set goals, and find out if you're already on track to hit them.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
5/13/2024 • 19 minutes, 11 seconds
What's a good yield? Updated Figures [2024] ⎜ Ep. 1705
In this episode, we discuss what a good gross yield is for property investors in 2024.
We look at data from TradeMe and OneRoof to figure out what yield property investors are actually getting.
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5/12/2024 • 15 minutes, 41 seconds
Case Study Sunday – "I own 4 properties at 38" ... How Dave did it ⎜ Ep. 1704
In this episode, we are joined by Dave from Hamilton. At just 38 years old, Dave already owns 4 properties.
He talks us through how he did it, the struggles he came up against ... and what it's all for.
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5/11/2024 • 19 minutes, 10 seconds
"I lost $10k from one bad decision" ⎜ Ep. 1703
In this episode, we discuss how this investor lost $10k from a single bad decision.
We share how this investor tried to find the perfect tenant possible – but in doing so, their property was empty for weeks.
This cost them thousands of dollars.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
5/10/2024 • 11 minutes, 15 seconds
Where is my money going? Ed + Andrew read their bank statements ⎜ Ep. 1702
In this episode, we discuss where our money is going. This includes what we spend money on and what we can cut back on.
We read out our credit card and bank statements to show you just how much we're frittering away (and how much you might be too.
This should be useful for property investors who are struggling with cashflow and need to find quick ways to cut back.
YouTube clip from Saturday Night Live
5/9/2024 • 18 minutes, 23 seconds
Are all Kainga Ora tenants gang members? ⎜ Ep. 1701
In this episode, we discuss who Kainga Ora tenants are and share their real stories.
This includes how Kainga Ora properties impact surrounding property prices and who these tenants really are.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
5/8/2024 • 13 minutes, 47 seconds
Easier to get a mortgage? New rules coming soon (CCCFA) ⎜ Ep. 1700
In this episode, we discuss the new CCCFA mortgage rules that have just been announced by the National government.
We go through what the rules mean, and whether it will actually make it easier to get a mortgage.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
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5/7/2024 • 12 minutes, 40 seconds
Cheaper to build + renovate property? What the government's building changes mean ⎜ Ep. 1699
In this episode, we are joined by Kyle Brookland from Informed Inspections – a property inspection company.
Kyle discusses the new building changes, including whether building materials will actually get cheaper once the rules change.
We also discuss how long it will take for the changes to flow through to the market.
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5/6/2024 • 15 minutes, 37 seconds
Revealed: When will I die? Actual numbers revealed ⎜ Ep. 1698
In this episode, we discuss how long we will live, and when we'll die.
This is based on numbers from Stats NZ that estimate how long we'll live and what it means for our retirement.
And we mention you can figure the numbers out for yourself using our 'How long will I live' spreadsheet. Click here to download your own copy to try.
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5/5/2024 • 16 minutes, 24 seconds
Case Study Sunday – "My Financial Adviser Fooled Me" – Livii ⎜ Ep. 1697
In this episode, we have another Case Study Sunday. Today we are joined by Livii, a property investor from Wanaka.
Livii shares her story, starting with the time she built a dual-income property.
It continues on to a time where her financial adviser pulled a fast one – and misled her.
She shares her tips for how you can avoid shady advisers to and how to grow your wealth.
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5/4/2024 • 16 minutes, 35 seconds
How to make money in your 20s vs 30s vs 40s vs 50s ⎜ Ep. 1696
In this episode, we discuss how to manage your money mindset across your lifetime.
This includes the mindset you should have in your 20s vs your 30s, your 40s and your 50+.
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5/3/2024 • 14 minutes, 54 seconds
Moving overseas as a property investor? – Don't forget these 4 things ⎜ Ep. 1695
In this episode, we discuss the 4 things you need to think about as a Kiwi property investor if you're moving overseas.
This includes what to think about when it comes to tax, managing your properties and sorting your mortgage.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
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5/2/2024 • 13 minutes, 9 seconds
Xero vs Excel vs Hnry – Top 3 best accounting software for property investors ⎜ Ep. 1694
In this episode, we compare the top 3 best accounting systems and software for property investors.
This includes comparing Xero with Excel vs Hnry.
Ultimately, you can use this to choose the best accounting system for you and your portfolio.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
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5/1/2024 • 13 minutes, 36 seconds
House sold for $1 – do one-dollar reserve auctions work? ⎜ Ep. 1693
In this episode, we discuss the house that sold for just a single dollar.
This includes a discussion of $1 reserve auctions and whether they really work.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
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4/30/2024 • 14 minutes, 33 seconds
Should I Pay Down Debt vs Invest – Live Case Study ⎜ Ep. 1692
In this episode, we discuss a case study of whether this couple should pay down debt or invest.
We dig through their numbers, consider their goals and share what their potential options are.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
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4/29/2024 • 15 minutes, 44 seconds
Revealed: Do houses with more land go up in value faster? ⎜ Ep. 1691
In this episode, we discuss whether properties with more land get more capital growth and go up in value faster.
This is based on a new data from CoreLogic and provided to the podcast.
It shows that properties with more land don't go up in value much faster than properties with less land.
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4/28/2024 • 12 minutes, 38 seconds
Case Study Sunday – We 2.5x our income by moving to Australia – Tamati and Liana ⎜ Ep. 1690
In this episode, we are joined by Tamati and Liana to talk about their property investment journey.
They share how they 2.5x their incomes by moving to Australia.
They share how they did, what properties they're investing in and what they're doing for their future.
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4/27/2024 • 18 minutes, 13 seconds
6 years of changes in 6 months – Do you realise how much is going on? ⎜ Ep. 1689
In this episode, we discuss the big changes that are happening in the property market.
This includes tax changes, tenancy law changes, lending changes. All up, we reckon there's about 6 years of changes coming in the next 6 months.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
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4/26/2024 • 12 minutes, 51 seconds
Buyers market vs sellers market – what's the difference? ⎜ Ep. 1688
In this episode, we discuss the differences between buyers and sellers markets.
This includes how to tell whether it is currently a buyers or a sellers market.
You'll also learn what emotions you'll need to overcome to make the most of each type of market.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
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4/25/2024 • 12 minutes, 18 seconds
New inflation data – The good and bad news ⎜ Ep. 1687
In this episode, we discuss the latest inflation data.
Inflation has fallen to 4%. That's good. but domestic inflation is still high.
What does it mean for your interest rates and mortgage? Join Ed and Andrew to find out.
And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.
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4/24/2024 • 11 minutes, 51 seconds
Buying vs investing in property – what's the difference? ⎜ Ep. 1686
In this episode, we discuss the differences between buying a property vs investing in property.
We share how – as a property investor – you need to look at properties in a very different way than if you were buying them to live in.
We give you the tools so you can see whether you are looking to buy a property or invest in property.
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4/23/2024 • 15 minutes, 15 seconds
Buying and selling off-market – is it a good idea? ⎜ Ep. 1685
In this episode, we discuss buying and selling properties off-market.
This includes the pros and cons for both sellers and buyers.
This is to give you a good sense of whether using an off-market strategy could be the right fit for you.
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4/22/2024 • 12 minutes, 45 seconds
The Property Clock: how to time the market (the right way) ⎜ Ep. 1684
In this episode, we discuss the property clock.
This is a classic model investors use to understand the property cycles and what might happen next in the market.
We walk you through a standard cycle around the property clock along with what you can expect at each stage.
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4/21/2024 • 16 minutes, 13 seconds
Case Study Sunday – "$50k passive income in 7 years" with Hannah Presswood ⎜ Ep. 1683
In this episode, we are joined by Hannah Presswood for another Case Study Sunday.
Hannah shares the story of how she started investing in property ... how she has grown her portfolio.
And most importantly, she shares how she's now on track to build a $50k passive income over the next 7 years.
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4/20/2024 • 16 minutes, 3 seconds
Interest rates vs house prices – should I wait for interest rates to come down before I invest in property? ⎜ Ep. 1682
In this episode, we compare interest rates and house prices.
We specifically look at the numbers to see whether you should wait for interest rates to come down before you invest in property.
We know that interest rates will likely come down. But when that happens, house prices will probably go up.
So what's better? Waiting or buying now?
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4/19/2024 • 9 minutes, 57 seconds
How to set the right rent for your investment property ⎜ Ep. 1681
In this episode, we discuss the Right Rent system. This comes from Ed and Andrew's book – Wealth Plan.
It includes the exact process that you can use to set the right rent for your property every single time.
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Rental yield
Want to know what your investment property could earn? Use our rental yield calculator to forecast your property's potential income.
4/18/2024 • 15 minutes, 19 seconds
Government announces 'Pet Bonds' – what property investors need to know ⎜ Ep. 1680
In this episode, we discuss the government's most recent change to the tenancy laws.
This includes details about the policy of pet bonds.
Soon, property investors will be able to charge an extra 2 weeks' worth of rent to their tenants.
But how does it work and what other changes are coming? That's what you'll learn in the show.
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Rental yield
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4/17/2024 • 16 minutes, 10 seconds
Bonus: New Tax Rules For Kiwi Property Investors [2024] - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'New Tax Rules For Kiwi Property Investors [2024]'.
4/16/2024 • 1 hour, 16 minutes, 10 seconds
Should property investors lower their rent? The morals of property ⎜ Ep. 1679
In this episode, we discuss whether property investors have a moral obligation to lower their rents when the tax rules change.
National's tax cuts will improve investor's cashflow.
We dig through the data to show how much rents have gone up vs costs over the last few years.
This gives you a sense of whether investors have extra money to pass on to tenants.
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4/16/2024 • 11 minutes, 56 seconds
The accidental capital gains tax (Tainting). Where investors go wrong ⎜ Ep. 1678
In this episode, we discuss tainting and when property investors accidentally need to pay tax on their capital gains.
This is particularly important when the bright line test changes. Because developers, traders, property flippers and builders will have stricter rules.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
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Cashflow calculator –
Want to quickly calculate your investment property's cashflow? Use our cashflow calculator to find out.
4/15/2024 • 12 minutes, 55 seconds
Property developers – how to get your projects off the ground ⎜ Ep. 1677
In this episode, we discuss how property developers can get their projects off the ground.
This includes which buyers to target, how to get pre-sales, where to build your properties and how to know what type of properties to build.
We mention a few of our best resources including:
Capital growth and yield maps for the Auckland property market
The tenant tool
Weekly newsletter –
Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.
Get all our best resources for free –
The 'Ultimate NZ Property Investor Bundle' has everything you need, featuring spreadsheets, ebooks, an audiobook, and exclusive software.
4/14/2024 • 14 minutes, 41 seconds
Case Study Sunday – Joe buys NZ houses from the USA ⎜ Ep. 1676
In this episode, we are joined by Joe, a German who lives in the USA, who is currently investing in NZ property.
Joe walks us through why he made the decision to invest in NZ property, rather than over in the USA.
He also shares the differences between buying property in Australia vs New Zealand.
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4/13/2024 • 19 minutes, 33 seconds
How long does a property cycle last? Auckland vs rest of NZ ⎜ Ep. 1675
In this episode, we discuss how long a property cycles lasts in New Zealand.
We compare property cycles in our major centres vs the regions and share how long each part of the property cycles takes.
This includes the boom, the peak, the downturn and the trough.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.
Want to become a successful property investor? The 'Ultimate NZ Property Investor Bundle' has everything you need, featuring spreadsheets, ebooks, an audiobook, and exclusive software.
Wondering what your property could be worth in the future? Use our capital growth calculator to uncover your investment's potential value.
4/12/2024 • 15 minutes, 56 seconds
Property maintenance - how much does it cost? ⎜ Ep. 1674
In this episode, we discuss how much investors should spend on property maintenance per year.
We go through a couple of examples to show you how much to budget based on how old your property is and the condition.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.
Want to quickly calculate your investment property's cashflow? Use our cashflow calculator to find out.
4/11/2024 • 13 minutes, 43 seconds
How to get the money to flip properties – Basecorp ⎜ Ep. 1673
In this episode, we discuss how Kiwis can get the money to flip properties.
For this we are joined by John Moody, Chief Financial Officer at Basecorp. They are one of the largest lenders who work with property flippers in New Zealand.
John shares which loan applications Basecorp tends to approve (and which they say no to).
This is a must listen for any property flippers.
4/10/2024 • 20 minutes, 5 seconds
How much more expensive are New Builds vs existing homes? ⎜ Ep. 1672
In this episode, we discuss how much more expensive New Builds are compared to existing properties.
This is based off new data released from CoreLogic which shows the "New Build premium".
We share that New Builds are currently about 5.6% more expensive than existing properties and that this is slightly below the historical average.
4/9/2024 • 11 minutes, 29 seconds
Jargon Buster: Freehold vs cross lease vs unit title vs leasehold ⎜ Ep. 1671
In this episode, we discuss different ways of owning land in New Zealand.
We cut through the jargon to let you know what terms like freehold, cross lease, unit title and leasehold mean.
This includes the differences and what you need to look out for as a home buyer or property investor.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
4/8/2024 • 12 minutes, 12 seconds
How to buy a house with 10% deposit – and what's the catch? ⎜ Ep. 1670
In this episode, we discuss whether it's possible to buy a property with a 10% deposit.
We talk about who can get access to this low deposit lending, and what the extra costs and fees are.
We also share which banks are more willing to let investors purchase properties with lower deposits.
Ultimately, you can use this information to get a sense of whether you should buy a property with a lower deposit.
4/7/2024 • 17 minutes, 4 seconds
Case Study Sunday – How Helena and Harish are handling high interest rates ⎜ Ep. 1669
In this episode, we are joined by Helena and Harish to discuss their property investment journey.
This includes how they are handling today's higher interest rates.
We also talk about how they stress tested their budget to make sure they could afford the property even if interest rates went up.
Want to share your story on Case Study Sunday? Send us a message, email [email protected]
4/6/2024 • 12 minutes, 49 seconds
Can I negotiate a cheaper house price in Winter? ⎜ Ep. 1668
In this episode, we discuss how the weather impacts the property market.
This includes all of the seasonal impacts on the property market.
We look at whether house prices go down in Winter and when the best time to buy and sell a property is.
Ultimately you can use this information to figure out when the best time to buy a property is.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
4/5/2024 • 12 minutes, 59 seconds
How much vacancy will I have? How often won't I have a tenant? ⎜ Ep. 1667
In this episode, we discuss how much vacancy property investors should expect.
This includes how often you won't have a tenant and therefore how much rent your property might miss out on.
This includes what causes vacancy and how to minimise it.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
4/4/2024 • 13 minutes, 50 seconds
Is Adrian Orr The Worst Reserve Bank Governor Ever? ⎜ Ep. 1665
In this episode, we are joined by Matthew Gilligan from Gilligan Rowe and Associates to discuss the legacy of Adrian Orr.
This includes whether Adrian Orr is the worst Reserve Bank Governor in history, and whether he (and the monetary policy committee) did the right things during the pandemic.
Matthew argues that the Reserve Bank Governor messed up. Whereas, Ed argues that the legacy isn't so black and white. After all, it's easy to point fingers after the fact.
Ultimately, it's up to you to decide who wins the debate. Will Adrian Orr be remembered as the worst Reserve Bank Governor ever?
4/2/2024 • 15 minutes, 33 seconds
Tiny Homes – Do they stack up as a good investment? ⎜ Ep. 1666
In this episode, we discuss tiny homes and whether they stack up as a good investment.
This includes how much tiny homes cost, what the interest rates are and how you get a mortgage.
We also discuss some of the things you'll need to think about if you decide to rent out a tiny home (or buy one for yourself).
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
4/2/2024 • 15 minutes, 37 seconds
Protect Yourself from Property Disaster with Trusts – Matthew Gilligan ⎜ Ep. 1664
In this episode, we are joined by Matthew Gilligan from Gilligan Rowe and Associates.
Matthew discusses how to protect yourself from property investment disaster with trusts, companies and the right types of structures.
This includes how to set up your wills and trusts so that your children, dependents and assets are secure.
4/1/2024 • 21 minutes, 55 seconds
How to buy the house your tenants want [Free tool] ⎜ Ep. 1663
In this episode, we discuss how to buy the house your tenants want.
This includes giving you our new Opes Tenant Tool. You can use this to figure out what tenants are looking for in your area.
That way you can buy the house your tenants are willing to rent. This should lower your vacancy and improve your cashflow.
3/31/2024 • 13 minutes, 37 seconds
Case Study Sunday – Tauranga couple invests for the future (Kate and Sean) ⎜ Ep. 1662
in this episode, we are joined by Kate and Sean to talk about their property investment journey.
We talk about what it's all for, and what they want to get out of property investment.
They also share how even though they bought close to the top of the market, they don't mind so much.
Now that their house has fallen in value, they wouldn't be able to buy today anyway.
Willing to share you story on Case Study Sunday? Let us know – [email protected]
3/30/2024 • 18 minutes, 2 seconds
Airbnb review: Should I turn my investment property into an Airbnb? ⎜ Ep. 1661
In this episode, we discuss whether you should turn your investment property into an Airbnb.
We run the numbers on one of Ed's properties to see how the cashflow compares to a long term rental.
We also talk through the steps he'd have to take if he wanted to turn it into an Airbnb.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
3/29/2024 • 16 minutes, 2 seconds
3x your retirement income [Case study] ⎜ Ep. 1660
In this episode, we discuss a case study of a property investor who is already retired.
He owns a $1 million property without a mortgage, but he only earns $12k in the hand a year.
We talk through what he could do to increase his income and the different options available to him.
Ultimately, we share several ways he could more than 3x his retirement income.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
3/28/2024 • 10 minutes, 37 seconds
Lower Interest Rates from Heartland Bank – What's the Catch? ⎜ Ep. 1659
In this episode, we discuss why Heartland bank has the lowest interest rate ... and whether it's worth it.
We talk through the catches – like how you can only get it for your own home.
And how it really isn't the right fit for property investors.
Ultimately, you can use this information to figure out whether it's the right rate for you.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
3/27/2024 • 10 minutes, 51 seconds
How Much Less Tax Will I Pay? Interest Deductibility – How it Impacts You ⎜ Ep. 1658
In this episode, we discuss how much less tax property investors will pay once the interest deductibility rules change.
This includes looking at different situations to see who will pay a lot less tax, who will pay a bit less tax, and who nothing will change for.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
3/26/2024 • 10 minutes, 53 seconds
Break Fees – How Much Does It Cost to Break My Mortgage? ⎜ Ep. 1657
In this episode, we talk about mortgage break fees and how much it costs to break your mortgage.
When interest rates start to fall, many Kiwis will ask "is it better to break my loan and take a cheaper rate?
We dig through the numbers so you can figure out if it's worth breaking your loan and trying to negotiate a better deal.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
3/25/2024 • 11 minutes, 47 seconds
Ranked: Where are House Prices Bouncing Back Fastest? ⎜ Ep. 1656
In this episode, we discuss where house prices are bouncing back fastest.
We share how some regions are bouncing back quickly (and have even surpassed their Covid peaks).
Places like Dunedin are up 9% compared to the bottom of the market, and others like Auckland are almost 6% up.
But, some parts of the country haven't crept up much at all. we share where prices are bouncing back fast (and which aren't).
3/24/2024 • 11 minutes, 49 seconds
Case Study Sunday – 1st Time Property Investors Heidi and Nath ⎜ Ep. 1655
In this episode, we are joined by Heidi and Nath who share how they have just become first time property investors.
This includes what went well (and what didn't go to plan).
We dig into why they wanted to become property investors in the first place, what it's all for and what they want to get out of property.
3/23/2024 • 15 minutes, 22 seconds
New Interest Deductibility Rules: A Definitive Guide ⎜ Ep. 1654
In this episode, we discuss National's new interest deductibility rules.
This is your definitive guide to the rules, what they are and what they mean.
There have been lots of proposals for what the rules should be. So some property investors are confused about what the rules actually are.
Here, Ed and Andrew lay down the law and share what the final rules are.
3/22/2024 • 8 minutes, 16 seconds
Is It All For Capital Growth + Is It Unfair?⎜Ep. 1653
In this episode, we discuss whether property investors just invest for capital growth.
We also discuss whether that's unfair. This is after Ed appeared on Newstalk ZB to talk about the latest changes to the tax rules.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
3/21/2024 • 13 minutes, 6 seconds
Top 6 Myths About Property Investors Debunked ⎜ Ep. 1652
In this episode, we discuss the top 6 myths about property investors.
This includes myths like interest deductibility – is it just an unfair tax cut for property investors who don't need it.
We also dig into the idea of a capital gains tax and whether property investment is different from other businesses.
And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.
3/20/2024 • 17 minutes, 53 seconds
How the OCR Really Impacts Interest Rates ⎜ Ep. 1651
In this episode, we discuss how the OCR impacts mortgage interest rates.
We talk about what the OCR is, how the banks use it, how it impacts swap rates and how it eventually impacts your mortgage interest rate.
As you'll learn, it takes time for the OCR to impact your mortgage interest rate.
And your mortgage interest rates can start to go up or down even before the OCR moves.
3/19/2024 • 14 minutes, 6 seconds
Inflation for Dummies – How Inflation Works For Property investors ⎜ Ep. 1650
In this episode, we discuss inflation, what it is, how it works. And what you need to know as a property investor.
This includes how to calculate the returns you actually get when you invest in property.
That means how you factor in the 'time value of money', and how to make sure that property investment builds you a better life.
3/18/2024 • 10 minutes, 8 seconds
Forecasts vs Reality – Are Our House Price Forecasts Correct? ⎜ Ep. 1649
In this episode, we dig through house price data to see whether our standard house price forecasts match up to reality.
Can you reliably say that house prices go up 5% or 6% a year?
And how easy is it to fudge the numbers and make it sound like property always goes up in value?
We dig through the numbers to see whether these assumptions are correct.
3/17/2024 • 13 minutes, 53 seconds
Case Study Sunday: Breaking The Poverty Cycle with Sera and Quentin ⎜ Ep. 1648
In this episode, we are joined by Sera and Quentin. This couple share their inspiring story.
From humble beginnings, these two started out by working 5 jobs between them.
Now they've paid off the mortgage and are investing in property.
They're helping their families learn about property and are breaking the poverty cycle.
3/16/2024 • 23 minutes, 43 seconds
Are Holiday Homes a Good Investment? ⎜ Ep. 1647
In this episode, we discuss whether holiday homes are a good investment.
We look at Airbnb data to get a sense of the returns you can make investing in holiday homes.
Then we talk about where you can invest and how much it might cost to invest in a holiday home.
3/15/2024 • 12 minutes, 32 seconds
Top Problems with Property Investment Companies ⎜ Ep. 1646
In this episode, we discuss the top problems with property investment companies.
We talk about what these companies get wrong, and what you need to look out for as someone thinking about using one of these businesses.
This includes companies like Opes Partners, Propellor Property Investments, Momentum Realty, enable.me, Positive Real Estate and others.
It also applies to any company who recommends New Builds as an investment option.
3/14/2024 • 16 minutes, 52 seconds
Interest Deductibility Rules Changed – Property Investors to Pay Less Tax ⎜ Ep. 1645
In this episode, we discuss the recently announced interest deductibility tax rules.
We're going back to the old rules. Property investors will be treated like every other business and will pay less tax.
Interest will be deductible again, some property investor's cashflows will change.
But not all property investors will feel the full extend of the change. We dig through the data on who will and won't see a big difference from the changing tax rules.
3/13/2024 • 13 minutes, 31 seconds
Bonus: NZ Property Market Update – 3 Steps To Make Money in Property in 2024 - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'NZ Property Market Update – 3 Steps To Make Money in Property in 2024'.
3/12/2024 • 1 hour, 26 minutes, 48 seconds
Dream Home vs Reno and Invest – Case Study ⎜ Ep. 1644
In this episode, we discuss whether this investor should buy their dream home ... or renovate and invest.
This comes from a listener of the show who is tempted to upgrade their own home.
But they're also considering growing their portfolio.
We run through the numbers so you can get a sense about what may be the right fit for you.
3/12/2024 • 16 minutes, 31 seconds
Revealed: Where Are Properties Selling Above CV? ⎜ Ep. 1643
In this episode, we discuss where properties are selling above (and below) their CV.
This includes the areas where properties are selling 40-60% above the CV.
On the other hand, there are some areas where properties are selling 20% below CV.
This data is from February 2024.
We also mention our new Opes Partners monthly Data Newsletter. Click here to subscribe.
3/11/2024 • 12 minutes, 56 seconds
How Long For Property Prices to Recover? Exact Numbers Revealed ⎜ Ep. 1642
In this episode, we discuss how long it could take for property prices to recover.
If you bought at the top of the market, you've faced the perfect storm. House prices have gone down, and interest rates have gone up.
But how long could it take for property prices to recover and fully regain their previous peak?
That's what you'll find out in this episode.
And we also mention our latest newsletter, a monthly property market update straight to your inbox...sign up for all the latest data!
3/10/2024 • 11 minutes, 17 seconds
Case Study Sunday – Mortgage Free at 40 – How Maurice Will Do It With Investment Property ⎜ Ep. 1641
In this episode, Maurice Wills joins us to discuss his property investment journey.
Like you, Maurice is a listener of the show. He went on his OE and saved enough to buy his own home.
He then bought an investment property, which has gone up in value.
He plans to sell this property soon to pay off his mortgage. He'll be mortgage-free at 40.
3/9/2024 • 13 minutes, 51 seconds
Easier to Borrow Money For Property Soon? National's CCCFA Revamp ⎜ Ep. 1640
In this episode, we discuss National's pledge to revamp and rewrite the CCCFA (the Credit Contracts and Consumer Finance Act).
This law saw first-time home buyers being denied a mortgage because of gym memberships, Kmart purchases, and their coffee addictions.
But National wants to rewrite the law so more people can get a mortgage.
But what does it actually mean, and why did the new rules come in, in the first place?
3/8/2024 • 12 minutes, 55 seconds
Buy a House With No Deposit ... What's The Catch? ⎜ Ep. 1639
In this episode, we discuss Wolfbrook's latest marketing tactic – offering property buyers the chance to buy a house with 'no deposit'.
But what's the catch? And is it a good idea or just a clever marketing tactic?
We take you through the pros and cons, what you have to do to get the deal, and who it may be the right fit for.
3/7/2024 • 13 minutes, 16 seconds
'Property Ruined My Life' – Should I Sell and Take a $150k Loss? ⎜ Ep. 1638
In this episode, we discuss a case study of a listener of the show.
This investor bought a property in Hamilton. Since then, it has gone down in value, and high interest rates are killing his cash flow.
He's wondering whether it is better to hold on to the property or sell and take the $150k loss.
We walk through the numbers to show what could happen if he holds vs what happens if he sells.
3/6/2024 • 13 minutes, 45 seconds
Should I Buy, Should I Sell? – Should I Wait, Should I Invest? ⎜ Ep. 1637
In this episode, we discuss whether you should buy, sell, wait or invest.
We go through different case studies and situations. These show who should buy, and who should sell.
Through this you can get a sense of what your next step in the property market should be.
3/5/2024 • 12 minutes, 46 seconds
Property Investment Scams – How to Avoid Getting Conned ⎜ Ep. 1636
In this episode, we discuss different property investment scams.
This includes how to spot common scams and cons, so that you don't lose tends (or hundreds) of thousands of dollars.
We cover redirection scams, fake asset scams and timeshares.
3/4/2024 • 12 minutes, 38 seconds
The Hidden Costs When You Buy a Property + When You Pay Them ⎜ Ep. 1635
In this episode, we discuss all the hidden costs you'll face when you buy a property.
This includes building inspection fees, lawyer costs, interest, the cost of new keys, and so much more.
You can use this information to get prepared for all the costs you'll face when you start investing. Because these are all the setup costs you'll need to pay.
3/3/2024 • 16 minutes, 41 seconds
Case Study Sunday – Started Investing at 23 ... Now I Own 3 Investment Properties. With Mike Pestas ⎜ Ep. 1634
In this episode, we are joined by Mike, a property investor and listener of the show.
Mike started investing in property at 23. Now he owns 3 investment properties and his own home in Wanaka.
Mike shares they story about how he grew his property portfolio, even when the lending started to get tough.
3/2/2024 • 24 minutes, 40 seconds
The Chance of Winning Lotto Revealed ⎜ Ep. 1633
In this episode, we discuss how likely it is that you'll win Lotto.
This includes your chance of winning Powerball and 1st division.
We also discuss the chance that you win big if you consistently play Lotto over the next 20 years.
All of this is to give you a sense of whether you should bet your retirement strategy on winning Lotto.
3/1/2024 • 17 minutes, 2 seconds
Bridging Finance – The Complete Guide For Home Owners and Investors ⎜ Ep. 1632
In this episode, we discuss bridging finance. This includes how it works, how much it costs and how you can get a bridging loan.
We go through the rules and regulations, compare open and closed bridging finance and talk about the fishhooks where borrowers get caught out.
Ultimately this is so you can decide whether a bridging loan is the right move for you.
2/29/2024 • 12 minutes, 56 seconds
OCR Holds at 5.5% – What It Means For Interest Rates ⎜ Ep. 1631
In this episode, we discuss the latest OCR decision and monetary policy statement from the Reserve Bank.
This includes what it means for interest rates, property prices, and your mortgage.
We play clips from the recent press conference so you can get under the hood and understand what the Reserve Bank really means.
2/28/2024 • 11 minutes, 26 seconds
Has ANZ Lost The Plot? 6% OCR Forecast Reviewed ⎜ Ep. 1630
In this episode, we discuss ANZ's recent OCR forecasts, along with why they think the OCR will go up to 6%.
We go through their house price and interest rate forecasts and go through what the media may have missed.
This is all as a preview for the next OCR announcement that comes out this afternoon.
2/27/2024 • 11 minutes, 3 seconds
Offset Mortgage vs Revolving Credit – Which is Better? ⎜ Ep. 1629
In this episode, we compared offset mortgages vs revolving credits.
This includes what they cost, how they work and how you can use them to save money on your mortgage.
We go through which banks offer each option and what actually makes them different.
That way you can decide which option is right for you.
2/26/2024 • 13 minutes, 8 seconds
Which Properties Sell Fastest? The Top 5 Factors Ranked ⎜ Ep. 1628
In this episode, we dig into the data to find out which properties sell the fastest.
We look at 5 factors, including the number of bedrooms a property has, the land type, the property type, the price and the location of the property.
You can then use this as a priority list to understand which factors you should pay attention to and which don't matter as much.
2/25/2024 • 15 minutes, 9 seconds
Case Study Sunday – Andrew Coaches Podcast Listener Live – with Jesse ⎜ Ep. 1627
In this episode, we are joined by Jesse for a live coaching session.
Here, Andrew reviews Jesse's portfolio and financial situation and then recommends what she should do next in her property career.
Jesse shares how she bought her first home in Canterbury, which is now an investment property. But should she keep it?
That's what she and Andrew discuss.
2/24/2024 • 20 minutes, 8 seconds
How Do I Find Good Boarders – & How Much Can I Charge Them? ⎜ Ep. 1626
In this episode, we discuss how you can find good boarders for your property.
This includes where to find boarders and flatmates, how to tell if they're any good, and how much you can make by having a boarder.
If you are looking to pay off your mortgage early by getting flatmates, this is the episode to listen to.
2/23/2024 • 13 minutes, 28 seconds
Steve Goodey – Full Time Property Investor & The Lessons it Took 25 Years to Learn ⎜ Ep. 1625
In this episode, we are joined by Steve Goodey, a professional, full-time property investor.
Steve shares his biggest learnings, including the lessons it took 25 years to learn.
He also tells us what he'd do if starting again from scratch.
And we also mention the Succeed in Property Bootcamp with Steve Goodey Sunday, 17 March in Auckland. Click the link to get your tickets
2/22/2024 • 16 minutes, 17 seconds
OCR Increase to 6%? ANZ's Predictions Under the Microscope ⎜ Ep. 1624
In this episode, we discuss out latest interest rate predictions, including whether the OCR could go up to 6%.
ANZ, our country's largest bank predicts that the OCR could go up further. Could it happen, or are they just thirsty for headlines?
We dig through the numbers and other banks predictions so you can get a sense of what might happen to interest rates.
2/21/2024 • 12 minutes, 40 seconds
How Much Did You Make in Property? 10 Year Review of an Average House ⎜ Ep. 1623
In this episode, we discuss how much you could have made by buying an average property in New Plymouth over the last 10 years.
This includes a look at the actual interest rates, inflation, rental inflation and property price growth you would have seen.
Ultimately, this gives you a sense of how much you can make each year in property and how volatile the returns tend to be.
We also mention Private Property, Andrew's free weekly newsletter. Click the link to get a copy in your inbox.
2/20/2024 • 9 minutes, 56 seconds
How Many Properties Can I Buy in 10 Years? New Data Reveals How Fast You Can Grow Your Portfolio ⎜ Ep. 1622
In this episode, we discuss how many properties you can buy over the next 10 years.
This includes new data from the Reserve Bank that reveals how many properties you can buy before and after the DTIs come in.
We also talk about how many properties you can potentially buy if you invest outside of the DTI rules.
2/19/2024 • 9 minutes, 23 seconds
Best Places to invest under $500k (Tier List) ⎜ Ep. 1621
In this episode, we go through the top places to invest where house prices are under $500k.
We look at whether each area is under or overvalued, how high incomes are and what the average yield is.
This includes a look at towns like Taumaranui, Invercargill, Whanganui, Ashburton and many other towns in New Zealand.
2/18/2024 • 20 minutes, 20 seconds
Case Study Sunday: 4 Properties at 33 – Tessa and Adam's Story | Ep. 1620
In this episode, we are joined by Tessa for another Case Study Sunday.
Here, Tessa shares how she and her husband Adam bought 4 properties over the last 10 years.
Now they are in their mid-30's and own 4 properties – their own home and 3 investment properties.
This includes how they saved for their first and second home deposits, the opportunities they took and the money they've made.
2/17/2024 • 15 minutes, 8 seconds
The Servicing 7 – How To Keep Investing When DTIs Come In ⎜ Ep. 1619
In this episode, we discuss the Servicing 7. These are the 7 tactics you can use to keep investing even when DTIs come in.
This includes actions like investing in New Builds or commercial properties, and using non-bank lenders.
With these tactics in mind, you may be able to keep growing your portfolio even when these new rules come in.
2/16/2024 • 13 minutes, 59 seconds
NZ Getting a Capital Gains Tax (CGT)? Did Stuff.co.nz Lie? ⎜ Ep. 1618
In this episode, we discuss a recent Stuff.co.nz article. This article suggested that Treasury thinks NZ needs a Capital Gains Tax.
We talk about the documents that Stuff.co.nz reported on, and whether the news website was being entirely truthful.
As we discover, the impression the article gives is not entirely accurate.
And as mentioned here is the link to Treasury's Briefing to Incoming Minister of Finance slide deck.
2/15/2024 • 15 minutes, 23 seconds
Ranked: Best Places To Invest in NZ – Tier List ⎜ Ep. 1617
In this episode, we discuss where the best places to invest in New Zealand are.
This includes a discussion of how over or undervalued each area is, the average house price, and the yields.
Ultimately you can use this information to get a sense of where to (and where not to) invest.
2/14/2024 • 14 minutes, 25 seconds
Bonus: How to keep buying property when DTI’s come in [2024] - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How to keep buying property when DTI’s come in [2024]'.
2/13/2024 • 1 hour, 29 minutes
Contaminated Land – Should I Buy a Property on Contaminated Land? ⎜ Ep. 1616
In this episode, we discuss what property investors and homeowners need to know about buying property that is on contaminated land.
We talk about how a piece of land gets contaminated and what you can do to fix it.
This includes what to look out for and how to know if it is a real issue (or not).
2/13/2024 • 14 minutes, 10 seconds
Co-ownership Schemes – Scam or Sound Investment? ⎜ Ep. 1615
In this episode, we discuss co-ownership schemes and whether they are a scam ... or a sound way to get into property.
We review different shared equity schemes, including those by Kainga Ora, the Housing Foundation, Ngai Tahu, YouOwn, Own by Williams and Aera.
This includes the pros and cons of each scheme, how they make their money and whether it could be the right fit for you.
2/12/2024 • 12 minutes, 11 seconds
How Much Discount Can I Negotiate Off My Interest Rate? ⎜ Ep. 1614
In this episode, we discuss how much discount you can negotiate off your interest rate when you get a mortgage.
We look at the latest rates our team at Opes Mortgages have got from the banks, along with what the lenders are actually advertising.
This gives you a sense of what rates you can actually get from a bank when you next apply for a mortgage.
2/11/2024 • 13 minutes, 48 seconds
Case Study Sunday – Getting Killed By High Interest Rates. Should I Sell My First Home? ⎜ Ep. 1613
In this episode, we discuss a case study of a first home buyer who is getting killed by high interest rates.
He asks whether he should sell his home and rent instead.
We dig through the numbers to look at whether it makes sense to sell his home, rent, and try to buy it back later when interest rates are lower.
2/10/2024 • 14 minutes, 47 seconds
Interest Rate Predictions 2024 – When Will Rates Come Down? ⎜ Ep. 1612
In this episode, we discuss our latest interest rate predictions for 2024.
This includes how fast interest rates could come down, and the data behind the predictions.
We look at interest rate forecasts out of the banks and talk about our long term interest rate forecasts.
2/9/2024 • 13 minutes, 1 second
Pilfered or Protected – Trusts vs Companies vs Own Name – Best Way to Own a Property ⎜ Ep. 1611
In this episode, we discuss the best way to own an investment property – trusts vs companies vs own name.
We go through a couple of case studies to show when each structure would work best.
Ultimately, you need to talk to an accountant to figure out the right way to own properties in your situation. But, using this podcast, you can get a sense of what could be right for you.
2/8/2024 • 12 minutes, 52 seconds
130,000 New Kiwis From Net Migration. Where Do They All Go? ⎜ Ep. 1610
In this episode, we discuss how high net migration impacts the New Zealand property market.
This includes where the new migrants choose to live, and how many properties they tend to buy.
We also mention our upcoming webinar New mortgage rules: How to keep buying property when DTI’s come in [2024] on Tuesday February 13th at 7pm. Click the link to register
2/7/2024 • 13 minutes, 9 seconds
5 Facts Property Developers Need to Hear ⎜ Ep. 1609
In this episode, we go through 5 facts that property investors need to hear in today's market.
This includes how to price your properties, what to build, where to build it, and how to make all of these decisions.
Ultimately, this shows that property development is more than just putting up a few houses.
And we also mention our upcoming Developer Event in Auckland on March 21st, so click the link to register.
2/6/2024 • 13 minutes, 3 seconds
Your DTI Questions Answered – Debt to Income Ratios⎜ Ep. 1608
In this episode, we answer some of the main questions investors and first home buyers have about debt to income ratios (DTIs).
This includes what DTIs are, how they'll impact the property market and who will be most impacted.
We also mention our upcoming webinar New mortgage rules: How to keep buying property when DTI’s come in [2024] on Tuesday February 13th at 7pm. Click the link to register
2/5/2024 • 13 minutes, 56 seconds
How Will DTIs Impact House Prices? The Numbers Revealed ⎜ Ep. 1607
In this episode, we discuss what will happen to house prices when the Reserve Bank brings in Debt to Income Ratios.
This includes how DTIs have impacted house prices when other countries have brought them in.
We also talk about how much debt the country has and how fast incomes go up.
This acts as a proxy for how much debt there already is, and how fast prices can go up.
2/4/2024 • 15 minutes, 18 seconds
[Must Listen] Case Study Sunday – 10 Years In + Just Getting Started (Katherine and Stuart) ⎜ Ep. 1606
In this episode, we are joined by Katherine and Stuart from Hamilton to discuss how they started investing in property.
They share the numbers on a few of their deals and explain the stories that went along with them.
This includes how Stuart started his own spa and transport business, and how Katherine used property to buy a supermarket.
2/3/2024 • 27 minutes, 48 seconds
Multi-Offers – What To Do In a Multi-Offer When Buying a House NZ ⎜ Ep. 1605
In this episode, we discuss what to do when you make an offer on a house and the real estate agent tells you it's a multi-offer.
This includes what you have to do, how to improve your offer, and how to negotiate with the agent.
Ultimately, this gives you the heads up about what property investors, home buyers and first-home buyers need to know in a multi-offer situation.
2/2/2024 • 13 minutes, 39 seconds
DTI Winners and Losers – Who Benefits From the New Mortgage Rules ⎜ Ep. 1604
In this episode, we discuss who wins and loses from the Reserve Bank's new mortgage rules.
The winners include first-home buyers, developers, non-bank lenders and people buying New Builds.
The losers, on the other hand, are banks, mortgage brokers, investors, renovators and (even) doctors.
2/1/2024 • 15 minutes, 58 seconds
How The New DTIs Will Impact Different Kiwis ⎜ Ep. 1603
In this episode, we discuss how the new Debt to Income ratio Restrictions (DTIs) will impact different Kiwis.
We go through different scenarios to look at what it means for investors, home owners, first home buyers, business owners and a whole heap more.
We also mention our upcoming webinar New mortgage rules: How to keep buying property when DTI’s come in [2024] on Tuesday February 13th at 7pm. Click the link to register
1/31/2024 • 18 minutes, 11 seconds
7 Lies You'll Tell Yourself That Stop You Investing In Property ⎜ Ep. 1602
In this episode, we discuss the 7 lies you'll tell yourself that could stop you from investing in property.
These are the key things we hear over and over again from investors ... like:
"I just saw another great property down the road"
“I want to sleep on it” … and
“I need more time”
We talk about when these statements make sense, and when they're just excuses.
1/31/2024 • 15 minutes, 20 seconds
"Fix Your Soul" – Ed and Andrew React to Mean Comments ⎜ Ep. 1601
In this episode, we react and respond to mean comments people have left on our Facebook and Instagram accounts.
This includes comments like "Fix your soul" and accusations of being "snake oil salesmen".
While this is a fun episode, we also address some of the big questions about the different ways to invest in property.
1/29/2024 • 16 minutes, 54 seconds
Houses vs Townhouses vs Apartments – Which Take Longer To Sell? ⎜ Ep. 1600
In this episode, we discuss houses vs townhouses vs apartments and which ones take the longest to sell.
We look at sales data from Auckland, Wellington and Christchurch to figure out whether some types of properties stay on the market longer than others.
We also look at townhouses in larger developments to see if they take longer to sell as well.
Ultimately, you can use this information to become a more informed property investor.
1/28/2024 • 17 minutes, 17 seconds
Case Study Sunday: Should I Sell My Investment Property And Buy Something Else? ⎜ Ep. 1599
In this episode, we discuss a case study of a listener of the show (Joe) who has just moved overseas.
We talk about whether he should sell his investment property and buy something else.
We also go through the numbers to see whether he could buy a better investment today, and when should consider selling.
1/27/2024 • 13 minutes, 2 seconds
Revealed: Buy These Properties to Get the Highest Return ⎜ Ep. 1598
In this episode, we discuss which properties to buy to get the highest returns.
We look at the different ways to measure property investment returns and which properties come out on top for each measurement.
Ultimately this shows that you buy different properties to get a different type of return.
1/26/2024 • 11 minutes, 18 seconds
Latest House Price Data: Prices up 7.1% In This Region ⎜ Ep. 1597
In this episode, we discuss the latest house price data from QV, CoreLogic, and the Real Estate Institute.
This includes examining where house prices are going up the fastest and the region where prices are up 7.1% in just seven months.
We also share where the best places to invest are (right now), and when interest rates could start coming down.
1/25/2024 • 12 minutes, 3 seconds
Reserve Bank's New Mortgage Rules: DTI's and LVR's What You Need to Know ⎜ Ep. 1596
In this episode, we dive into the Reserve Bank's newest mortgage rules.
This includes details about both the Debt to Income Ratios (DTI's) and the updated Loan to Value Ratio (LVR) restrictions.
Together these will impact how much money you can get to grow your property portfolio.
We delve into the new rules and let you know what you need to consider.
1/24/2024 • 14 minutes, 35 seconds
How Much Money Will You Make Through Property In 2024? ⎜ Ep. 1595
In this episode, we discuss how much money you could potentially make through property in 2024.
This includes how much Ed and Andrew might make on their own portfolios.
This includes cashflow and house price growth over the next 12 months.
1/23/2024 • 9 minutes, 27 seconds
Not Everyone Gets NZ Superannuation: Could It Be Means Tested? ⎜ Ep. 1594
In this episode, we discuss what it would look like if NZ Superannuation was means tested.
We look at the pension system in Australia and compare what NZ does with other major countries.
This gives you a sense of how much you should rely on the NZ superannuation system in your retirement plan.
1/22/2024 • 11 minutes, 29 seconds
Reserve Bank OCR Forecasts Reviewed – Are They Accurate? ⎜ Ep. 1593
In this episode, we discuss the Reserve Bank's OCR forecasts and predictions.
We go through their previous forecasts and compare what they said they'd do ... with what they actually did.
This gives us a sense of whether the OCR could come down more quickly than what the Reserve Bank is currently saying.
This lets you get a feel for if interest rates could come down faster.
1/21/2024 • 10 minutes, 48 seconds
Case Study Sunday – "Didn't Think I'd Ever Buy My First Home ... Now I Have" ⎜ Ep. 1592
In this episode, we are joined by Laine Moger to discuss how she bought her first home.
In less than a week Laine went from not thinking she'd ever buy her first home, to signing the contract.
She's about to settle on her new property and shares what she's learned in the process.
1/20/2024 • 11 minutes, 26 seconds
Debt To Income Ratio Predictions – When Will The New Rules Come In? ⎜ Ep. 1591
In this episode, we discuss the upcoming Debt to Income Ratio (DTI) rules and when they could potentially be introduced.
This includes what the new rules could look like and the impact it will have on the property market.
Ultimately, this is useful for first home buyers and investors who want to know when to buy.
1/19/2024 • 15 minutes, 45 seconds
How Much Can I Negotiate Off the Asking Price of a Property? ⎜ Ep. 1590
In this episode, we discuss how much you can realistically negotiate off the asking price of a property.
We dig through data to show how much sellers are discounting off their properties to get them sold.
And we show you how to tell whether you can negotiate more off a property and ask for a bigger discount.
1/18/2024 • 10 minutes, 43 seconds
Are The Banks House Price Predictions Accurate? New Data Revealed ⎜ Ep. 1589
In this episode, we look through history to see if the bank's house price predictions are accurate.
This includes looking at ANZ, ASB and the Reserve Bank's previous forecasts, then looking at what actually happened.
Ultimately, you can use this information to see which bank has the most accurate predictions to pay attention to.
1/17/2024 • 10 minutes, 57 seconds
Mythbusters: Do Cellphone Towers and Powerlines Affect Property Prices? ⎜ Ep. 1588
In this episode, we discuss whether cellphone towers and powerline impact your property's value.
We look at data and university research that shows that some cellphone towers can impact your property's value ... but most don't.
We also show that some high powered powerline can make your property's value go down ... but it depends how close your property is to them.
In this episode, we discuss the 5 different ways you can measure investment property returns.
This includes the pros and cons of gross yields, net yields, cash on cash return, return on investment and internal rate of return.
This episode shows that you buy a different property based on the way you measure property investment returns.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/15/2024 • 14 minutes, 25 seconds
The Lower The Deposit – The Better ... What Investors Need to Know ⎜ Ep. 1586
In this episode, we discuss why property investors need to care about getting the lowest deposit possible.
This includes how investors can use lower deposits to get a higher return on investment.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/14/2024 • 13 minutes, 1 second
Case Study Sunday: How to Convert Leasehold To Freehold ⎜ Ep. 1585
In this episode, we discuss a case study about how to convert a leasehold property into a freehold title.
This is based off a real scenario, where a unit owner needs to works with other property owners to buy the land underneath their properties.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/13/2024 • 15 minutes, 33 seconds
Can You Answer These 8 Basic Money Questions? ⎜ Ep. 1584
In this episode, we test Andrew to see if he can answer 8 simple money questions.
This is based off a recent OneRoof article, which said that most Kiwis can't answer these basic questions.
Follow along to see if you can beat Andrew.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/12/2024 • 13 minutes, 34 seconds
6 Steps To Find Profitable Investment Properties ⎜ Ep. 1583
In this episode, we discuss the 6 steps you can take to find profitable investment properties.
This includes where to get good data and how to analyse it.
We mention these articles in the show:
NZ Property market update
Wellington property market update
Wellington City over or undervalued analysis
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/11/2024 • 12 minutes, 19 seconds
The Premium In, Premium Out Principle – What Investors Need to Know ⎜ Ep. 1582
In this episode, we discuss the Premium In, Premium Out principle.
This is the principle where you sometimes spend more money on a property, but it doesn't become a better investment.
The risk is that investors start buying nicer properties, but don't really get more bang for their buck (in investment terms).
We mentioned the article "Do properties with more land go up in value faster?"
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/10/2024 • 12 minutes, 20 seconds
Rent Property To Family – The Right Way ⎜ Ep. 1581
In this episode, we discuss the right way to rent an investment property to a family member.
This includes the dos and don'ts, including why you should never accept some of their money as part of the deposit.
Ultimately, this is to help you avoid the mistakes that other investors have made when renting to friends and family.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/9/2024 • 12 minutes, 31 seconds
Don't Wait For Grandma To Die – The Truth About Inheritance Revealed ⎜ Ep. 1580
In this episode, we reveal the truth about inheritance.
This includes why you should never fully count on the money (until it hits your bank account).
We also go through court cases in New Zealand's history to show you what happens when families squabble about inheritance.
This includes how to contest a will ... and the law changes that could be coming to stop you contesting a family member's will.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/8/2024 • 16 minutes, 4 seconds
Are Home Buyers Scared of Plaster Homes? Do They Sell For Less Money? ⎜ Ep. 1579
In this episode, we discuss whether home buyers are scared of plaster homes.
This includes a review of research out of the University of Auckland about whether plaster homes sell for less money (even after they've been repaired).
This can give us a sense of whether plaster homes are a good investment and what you need to be aware of.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/7/2024 • 10 minutes, 30 seconds
Bricks vs Plaster vs Weatherboard vs Metal – 4 Cladding Types Reviewed ⎜ Ep. 1578
In this episode, we review and compare the 4 main types of cladding used in New Zealand.
This includes, bricks, plaster, weatherboard and metal.
And while there are lots of different types of material you can build your house out of, these are the main ones.
Ultimately, this helps you make an informed decision about what type of property to buy.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/6/2024 • 11 minutes, 32 seconds
Plaster Homes Review – Are Plaster Homes a Good Investment? ⎜ Ep. 1577
In this episode, we are joined by Tyson from TK Plastering to discuss plaster homes.
This includes:
why some plaster homes leak,
how to spot whether a plaster home could be a leaker, and
how to know whether a plaster property is ok.
Ultimately, this helps you figure out whether to invest in a plaster home or not.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/5/2024 • 13 minutes, 57 seconds
[Must Listen] The Story of the Lawyer & the Truck Driver ⎜ Ep. 1576
In this episode, we discuss the story of the Lawyer and the Truck Driver.
This is a parable that shows that you don't need a high income to be rich ... you just need to invest for the long term.
We compare the two mindsets – someone who is on a low income, but invests to get ahead, and someone on a high income that wastes the opportunity.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/4/2024 • 14 minutes, 52 seconds
[Live] How to Analyse an Investment Property – Part #2 – New Build Properties ⎜ Ep. 1575
In this episode, we show you how to analyse a New Build investment property.
This includes a step by step breakdown of how Ed and Andrew analyse potential investment opportunities.
That way you can copy their process when you're thinking about buying a property.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
Run the numbers on an investment property with our Return-on-investment spreadsheet.
1/3/2024 • 14 minutes, 10 seconds
[Live] How to Analyse an Investment Property – Part #1 – Existing Properties ⎜ Ep. 1574
In this episode, we show you how to analyse an investment property.
We take a property from iFind Property's website and run through the numbers.
That way you can analyse your own properties when you're running the numbers.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/2/2024 • 14 minutes, 59 seconds
The 5 Money Personalities – Which One Are You? ⎜ Ep. 1573
In this episode, we discuss the 5 money personalities so you can decide which one you are.
Ed and Andrew take the Money Personality test and reveal how they think about money too.
We mention the Money Personality Quiz that you can try for yourself.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
1/1/2024 • 14 minutes, 24 seconds
How to Set Goals You'll Actually Achieve in 2024 ⎜ Ep. 1572
In this episode, we discuss how to set goals that you will actually achieve in 2024.
The trouble with goal setting is most people know they should set goals ... but then either don't, or they forget the goals they set by February.
Here, Ed and Andrew show you how to set goals that you'll complete by the end of the year.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/31/2023 • 13 minutes, 10 seconds
Case Study Sunday – Properties Ed and Andrew Bought in 2023 ⎜ Ep. 1571
In this episode, Ed and Andrew share the properties they bought and settled in 2023.
This includes the properties they said they'd buy (and then didn't), along with their property highs and lows over the last year.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/30/2023 • 15 minutes, 43 seconds
2023 Reviewed: The Big Events in Property Investment in 2023 ⎜ Ep. 1570
In this episode, we review everything that happened in property investment in 2023.
This includes storms, banks collapsing, developers collapsing, elections, tax changes, and a whole heap more.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/29/2023 • 12 minutes, 17 seconds
The Best Podcast Episodes to Re-listen To ... Best Episodes Revealed ⎜ Ep. 1569
In this episode, we recap our top episodes from 2023. While you're away on holiday, kick back and re-listen to some of our best journalism in 2023.
Here are the links to the episodes mentioned:
Exposed: Beware "Too Good to be True" Deals From Deceptive Developers ⎜ Ep. 1244
Misleading! Developer's Cashflow Trap Revealed + Hidden Risks of Developer-Provided Cashflows⎜Ep. 1292
Case Study Sunday: "The Council Swapped My Suburb"⎜Ep. 1312
Property Spruikers' Dirty Secrets: Hidden Commissions and Trickery Revealed⎜Ep. 1379
Developer’s Playbook: How Much Money Can You Make Developing Properties? Real Numbers⎜Ep. 1425
The Flood Factor – How To Avoid Buying Flood-Prone Properties⎜Ep. 1432
The $100k Moisture Repairs Barfoot & Thompson Agents Didn't Disclose⎜Ep. 1490
EnableMe vs Opes Partners: An Unbiased Comparison for Property Investors⎜Ep. 1505
How To Diversify Your Property Portfolio⎜Ep. 1524
How to Make an Extra $1million in Property: Does Our Over/Undervalued Model Actually Work?⎜Ep. 1544
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/28/2023 • 16 minutes
The Perfect Mortgage Approval – What The Process of Applying for a Mortgage Looks Like ⎜ Ep. 1568
In this episode, we are joined by April Hastilow from Opes Mortgages to discuss the process of applying for a mortgage.
This includes what the perfect mortgage approval looks like.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/27/2023 • 17 minutes
Best Suburbs in NZ To Buy Property – Best of the Best Report ⎜ Ep. 1567
In this episode, we take you through CoreLogic's Best of the Best report. This shows you the cheapest and most expensive houses in NZ.
You'll also learn the suburbs where houses have gone up (and down) in value most in 2023.
You can download a copy of the Corelogic "Best of the Best" Report here
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/26/2023 • 11 minutes, 1 second
Latest Data: Property Prices Rising In These Areas ⎜ Ep. 1566
In this episode, we go through the latest property market data to show you the areas where prices are rising.
This includes how fast prices are rising and where the opportunities are.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/25/2023 • 13 minutes, 39 seconds
All I Want For Christmas ... What Ed + Andrew Want From Santa ⎜ Ep. 1565
In this episode, we discuss what Ed and Andrew want from Santa in 2024.
This includes what we'd really like to see happen in the property market.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/24/2023 • 11 minutes, 32 seconds
Case Study Sunday – No Money Down Deals with Matthew Bannister ⎜ Ep. 1564
In this episode, we are joined by Matthew Bannister to discuss how to invest using contemporaneous settlements.
This includes his game plan for how to do no money down deals.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/23/2023 • 16 minutes, 14 seconds
12 Days of Xmas – Property Investment Edition ⎜ Ep. 1563
In this episode, we count down the 12 days of Xmas, the property investment edition.
For this we are joined by 11 financial advisers and 1 economist to talk give advice about how to grow a property portfolio in 2024.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/22/2023 • 15 minutes, 19 seconds
Airbnb Tax Changes – What the App Tax Means For Airbnb Property Investors ⎜ Ep. 1562
In this episode, we discuss what the new App Tax means for Airbnb property investors in 2024.
This includes how property investors who use Airbnb will earn 6% less under the new taxes.
We also discuss whether you should become GST registered and the risks of the new changes.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/21/2023 • 13 minutes, 52 seconds
Econ 101 – What Really Impacts Demand + Supply In The Housing Market ⎜ Ep. 1561
In this episode, we discuss the factors that impact demand and supply in the NZ housing market.
This includes things like changes in tax policy, expectations about the future, changes in the availability (and cost) of building materials, and much more.
Ultimately this gives you the tools to understand what's happening in property in NZ.
We also mention our new quiz and calculator to help you find out Can I afford an investment property in 2024?
12/20/2023 • 15 minutes, 49 seconds
New Government Policies – Rapid Fire. Your Questions Answered ⎜ Ep. 1560
In this episode, we answers your questions about the new government's policies.
We go through over 20 questions in under 15 minutes. These questions come from our recent webinar, that over 1,500 people came along to.
This includes what National, Act and NZ First's policies mean for you.
12/19/2023 • 14 minutes, 28 seconds
Mortgage Jargon Explained – What Banks + Brokers Really Mean ⎜ Ep. 1559
In this episode, we are joined by April Hastilow from Opes Mortgages to discuss what banks and brokers mean when they use jardon.
This includes a discussion of split banking, LVR, DTI and all those niggly terms that first timers may not understand but are too scared to ask about.
12/18/2023 • 15 minutes, 7 seconds
The 5 Levels of Decision Making – 5 Ways to Make a Property Investment Decision ⎜ Ep. 1558
In this episode, we discuss the 5 levels of decision making.
These are the 5 ways you can make a decision about how you invest in property.
The levels include guessing and emotions, anecdotes and experience, basic data, and advanced probabilities.
You can check out the diagram showing the 5 levels of decision making here.
We also mentioned Ed's latest oneroof article, and our 'How long does it take to find a tenant' article.
12/17/2023 • 13 minutes, 34 seconds
Case Study Sunday: "It Hasn't Worked Out For Me" – with David Melse ⎜ Ep. 1557
In this episode, we are joined by David Melse.
He talks us through all the property investment strategies he's tried in the past and how it hasn't worked out for him.
That includes where he's invested, how long he's held on for, and what his next step is.
12/16/2023 • 13 minutes, 24 seconds
Guaranteed Returns? – If I Buy a Property with Property Coach ... What's the Guarantee it Works? ⎜ Ep. 1556
In this episode, we discuss property coach guarantees.
This is about what happens if you buy a property through a property coach or property investment company and things go wrong.
For this, we are joined by Vanessa Garrod from Opes Mortgages to talk about how to make a complaint and make sure your property coach does the right thing.
12/15/2023 • 19 minutes, 3 seconds
Bright Line Test Changes Revealed – How It Impacts The Property Market ⎜ Ep. 1555
In this episode, we discuss the details of the bright line test.
This includes when National plans to bring it in, how many properties will be impacted, and what it means for housing supply.
We also work through examples to show you how much tax you could save.
12/14/2023 • 10 minutes, 10 seconds
Are All Developer Cashbacks Dodgy? 3 Things That Need to Be True ⎜ Ep. 1554
In this episode, we discuss whether all cashbacks from developers are dodgy.
This includes an analysis of other developer incentives like rental guarantees.
We give you three tests you can run your developer incentive through to see whether it's clean, or whether you should run a country mile.
12/13/2023 • 12 minutes, 7 seconds
Bonus: Top 5 New Policies That Property Investors Need to Know - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'Top 5 New Policies That Property Investors Need to Know'.
12/12/2023 • 1 hour, 16 minutes, 37 seconds
7 Alternative Christmas Gifts For Property Investors ⎜ Ep. 1553
In this episode, we discuss 7 alternative Christmas gifts for property investors.
These aren't the standard gifts people buy for each other at Christmas.
But for that property investor (or future property investor) in your life they could do just the trick.
12/12/2023 • 12 minutes, 27 seconds
How To Save (A Lot) of Money with Stacey Adams ⎜ Ep. 1552
In this episode, we are joined by Stacey Adams to talk about how she manages to save a lot of money through her savings system.
This includes where to start and how to go form saving 10% of your income up to 40%.
This includes when to share and merge your finances with your partner and how to make sure you take control of your money.
12/11/2023 • 17 minutes, 56 seconds
Don't Listen To These People – Where To Get Your Property Advice From? ⎜ Ep. 1551
In this episode, we discuss who you should and shouldn't get your property investment advice from.
This includes who to talk to about which parts of the property investment journey and a look at the Dunning-Kruger effect.
Ultimately this will help you better navigate the world of property investment.
12/10/2023 • 14 minutes, 55 seconds
Case Study Sunday: "The Mortgage Broker Said No – Bought a House Anyway" with Stacey and Matt ⎜ Ep. 1550
In this episode, we are joined by Stacey and Matt for Case Study Sunday.
They share their journey in property investment, including how their mortgage broker initially said they couldn't invest.
Then they talked to someone else ... and got the money to invest anyway.
12/9/2023 • 13 minutes, 59 seconds
How To Invest As a Single Person (On One Income) ⎜ Ep. 1549
In this episode, we discuss how to invest as a single person on one income.
This includes the unique challenges of investing when you're single. The pros and cons and how to manage it.
Ultimately this is to help you figure out if it's possible to invest on your own.
12/8/2023 • 10 minutes, 33 seconds
How Much Passive Income Should I Aim For? ⎜ Ep. 1548
In this episode, we discuss how much passive income you should aim for when creating a property investment plan.
This is important, because this is the #1 question property investors come up against when they start creating a long term plan ... "What should I aim for."
So we walk you through the 6 different lifestyles you could aim for with what you can spend in each scenario.
12/7/2023 • 14 minutes, 32 seconds
Inflation Coming Down? OCR Update & Reserve Bank Revises House Price Forecast ⎜ Ep. 1547
In this episode, we dive into the latest monetary policy statement from the Reserve Bank.
We go through their house price and inflation predictions, as well as what they say (vs what they potentially mean).
This is to give you a sense of what the interest rates could be next year.
12/6/2023 • 14 minutes, 18 seconds
How Much Should I Save? Actual Numbers Revealed ⎜ Ep. 1546
In this episode, we discuss how to figure out the amount your should be saving.
There is no rule (or number) that suits everyone. But, most financial commentators and books suggest 20% of your take home pay.
This works as a ballpark, hard-and-fast rule to get a sense of whether you are over or under saving/investing.
12/5/2023 • 14 minutes, 56 seconds
Auckland vs Hamilton: Where is the best place to invest? ⎜ Ep. 1545
In this episode, we discuss the pros and cons of investing in Hamilton and Auckland.
That includes whether it's better to invest in the larger city (Auckland), or go for the more affordable option (Hamilton).
Ultimately we share the facts then take a step back so you can decide which is the right place to invest for you.
12/4/2023 • 13 minutes, 8 seconds
How to Make an Extra $1 million in Property – Does Our Over/Under Model Actually Work? ⎜ Ep. 1544
In this episode, we discuss whether the overvalued-undervalued model we talk about on this show actually works.
We walk you through 20 years of investing in property to discuss what would happen if you followed this shows advice.
We talk about the sort of properties you'd buy, where you'd buy and how much money you would have made compared to buying the average porperty.
12/3/2023 • 17 minutes, 48 seconds
Case Study Sunday – We Bought 6 Properties in 4 years. How James Did It ⎜ Ep. 1543
In this episode, we are joined by James who shares how he bought 6 properties in just 4 years.
He and his wife now own 8 properties in total. He talks about how he grew his portfolio while earning a normal income.
This includes how he got the money to invest, where he invested, and how this show helped him on the way.
12/2/2023 • 23 minutes, 45 seconds
"Tenants Can Have Pets" Tenancy Tribunal Says – Can I Still Stop My Tenants Having Pets? ⎜ Ep. 1542
In this episode, we discuss whether you can still stop your tenants from having pets in your rental property.
New Tenancy Tribunal decisions suggest that property investors have to let tenants have pets.
We go through the details to show what these decisions mean and how you can still protect yourself as an investor.
12/1/2023 • 11 minutes, 8 seconds
Tenancy Tribunal – Top Reasons Your Tenant Takes You to The Tribunal ⎜ Ep. 1541
In this episode, we discuss the top reasons that tenants take property investors to the tenancy tribunal.
This includes how often you could find yourself at the tribunal and how to manage it.
That way you can get a sense of how often you might find yourself in trouble and the reasons why.
11/30/2023 • 13 minutes, 59 seconds
New Government. New Policies. What the Media Missed ⎜ Ep. 1540
In this episode, we discuss the new government policies about what they mean for property investors.
This is a first look after National, Act and New Zealand First released their respective coalition agreements.
There are opportunities for property investors in these new policies. So we go through what you need to know.
11/29/2023 • 18 minutes, 43 seconds
Negotiation No No's For New Builds ... Niggly Things Developer's Funders Want | Ep. 1539
In this episode, we are joined by Sue Foley from Landley Law to talk about negotiation no, no's for new builds.
This includes the niggly things that developers funders and financiers require them to have in contracts.
Ultimately this will help you be more informed when you negotiate an off-the-plans contract with a developer.
11/28/2023 • 20 minutes, 57 seconds
Sunset Clauses – What Property Investors Need to Know in 2024 with Sue Foley | Ep. 1538
In this episode, we are joined by Sue Foley from Landley Law to discuss what property investors need to know about sunset clauses in 2024.
This includes how to negotiate a sunset clause, why they're needed at all, and how to make sure you don't get screwed over by a developer.
11/27/2023 • 19 minutes, 40 seconds
Your Options When You Retire With a House and Nothing Else – Case Study | Ep. 1537
In this episode, we discuss a case study of a listener of the show. His parents are about to retire and they want to build a passive income.
Right now they have a mortgage free house, but not much else.
We talk through their options and how they could build a small passive income by downsizing their home.
11/26/2023 • 13 minutes, 20 seconds
Case Study Sunday: Buying Property in a Group – How Lochie Did It | Ep. 1536
In this episode, we are joined by Lochie Mckellar who shares how he bought his first investment property with 5 friends.
He takes us through what he bought, how the mortgage worked and how he convinced his friends to go in with him.
Ultimately this will be useful for any investors who are interested in buying property as part of a syndicate or group.
11/25/2023 • 13 minutes, 59 seconds
Homeowner Loses $405,000 – People Who Lost Money in Property | Ep. 1535
In this episode, we discuss Kiwis who lost money in property.
One homeowner lost over $400,000 in just 2 years.
This shows that while people can make money in property, there are some people who lose a lot of money.
This is based on CoreLogic's Pain and Gain Report.
11/24/2023 • 14 minutes, 45 seconds
Data Day – Property Market Update – What's Happening to NZ House Prices? | Ep. 1534
In this episode, we discuss the most recent data about the NZ property market.
We look at where house prices are increasing and decreasing, and where property prices have rebounded first.
11/23/2023 • 11 minutes, 52 seconds
ANZ vs ASB vs BNZ vs Westpac – Aren't All Banks the Same? | Ep. 1533
In this episode, we are joined by April Hastilow from Opes Mortgages to compare the banks' lending policies.
This includes who each bank may be a good fit for ... and who might struggle a little more to get lending.
Ultimately this is to demonstrate how each bank will look at your mortgage application in a different way. That way you can make an informed choice about where you get your lending from.
11/22/2023 • 18 minutes, 47 seconds
12 Predictions and Forecasts For 2024 – What Will Happen in Property Investment? | Ep. 1532
In this episode, we discuss 12 predictions and forecasts for what could happen in property investment in 2024.
This includes what could happen to house prices, interest rates and inflation.
We also chuck in a few odd-ball forecasts about what could happen to KiwiBuild and developers during the new year.
11/21/2023 • 14 minutes, 15 seconds
How Do I Keep Buying Property When the Banks Won't Lend Me More Money? | Ep. 1531
In this episode, we discuss how to keep buying properties when the banks won't lend you more money.
We give you the tactics you can use to improve your servicing, so you can still get a mortgage. You'll also learn what strategies to take to get more money from different lenders.
And while there are some tactics you can use to keep growing your portfolio ... sometimes it does come down to waiting.
11/20/2023 • 14 minutes, 9 seconds
Investor vs Homeowner Mindset – Which Are You Thinking Like? | Ep. 1530
In this episode, we discuss the differences between having an investor and homeowner mi