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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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?

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?

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?

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?

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?⁠

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?⁠

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?

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?

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?

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?

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?

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?

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.

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?

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?⁠

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?

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?

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?

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?⁠

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?⁠

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?⁠

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?

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?⁠

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?⁠⁠

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?⁠

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?⁠

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?

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.

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.

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.

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.

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.

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.

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.

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.

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'.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

In this episode, we discuss the differences between having an investor and homeowner mindset when investing in property. This includes looking at the things that homeowners care about when purchasing properties. We then look at whether these factors really matter when you're purchasing an investment property.

In this episode, we are joined by George Clifford, a property developer from Four Avenues. George shares how he became a property developer, the highs and the lows, and how it all works. This includes how much money you need to get started and what he did to get his start. That way you can learn how to become a property developer too.

In this episode, we discuss New Builds vs existing properties and which is better after the new tax changes come in. This includes a look at deposits, return on investment, which are more expensive, and how the taxes work. And while we here at Opes Partners help investors buy New Builds, we also know that they aren't the right fit for everyone. So outlining the pros and cons means you can then decide which is the right fit for you.

In this episode, we discuss whether you should invest in property or upgrade your own home ... and whether you can do both. This comes after a listener of the show messaged in asking about their own situation. They want to invest in property, but they also want to upgrade their own home. Can they do both?

In this episode, we discuss whether it is still worth investing in property in 2024. This includes a look at cashflow, capital growth and the potential house price increases in 2024. We also look at the probability that these returns eventuate so you can make an informed decision about whether investing in property is right for you.

In this episode, we discuss how much house prices might go up in 2024. We look at the predictions and forecasts out of Westpac, ASB, BNZ and ANZ and others. Ultimately no one knows how much house prices might change. But this will give you a sense of what could happen.

In this episode, we discuss how to diversify your property portfolio to spread the risk and get higher returns. We compare the Auckland and Gisborne property market and talk about what a diversified portfolio would look like. This includes how to adapt your portfolio so it increases in value more consistently over time.

In this episode, we are joined by a listener of the show, Emily, to discuss how she's using Airbnb to make her investment property cashflow positive. This includes where she is investing and what her strategy is.

In this episode, we discuss land banking. This is a property investment strategy where investors buy land and hold it for the long term. But what are the pros and cons of landbanking? And is it still a good strategy in 2024? That's what we cover in this episode.

In this episode, we are joined by Peter Norris from Opes Mortgages to discuss how easy it is to get a mortgage in 2024. This includes a review of the factors that will make it easier and harder to get a mortgage in the new year. That way you can foresee and figure out what you need to think about when applying for a mortgage.

In this episode, we discuss the 7 uncertainties in property investment. These are the risks and the "you don't know what you don't knows". This includes a breakdown of all the things you can't necessarily control and what to do about them. This way you know what to look out for when you invest in property.

In this episode, we discuss the only 4 ways to make money in real estate. Fresh off our Wealth Plan tour, these include capital growth, instant equity, debt repayments and cashflow. Ultimately you can use this information to evaluate any strategy you're considering.

In this episode, we discuss the key differences between shares, property and term deposits. And we go through the 7 differences that you can't ignore. This includes the sort of returns you get, how the returns differ and how easy it is to diversify. Ultimately this allows you to figure out which type of investment is right for you.

In this episode, we discuss the most overused phrases on TradeMe. Ed and Andrew play a game to see if they can guess that most used phrases by real estate agents. They take turns guessing the phrases agents use before adding them up to see who wins. This is a fun game for property investors to see if they can guess the best real estate cliche.

In this episode, we review InvestorPro, an app just released by property investor, Tama Singh. This includes the pros and the cons so you can decide whether this is the right app for you. We also talk about pricing, how much InvestorPro costs and when you'd use it.

In this episode, we are joined by Emily for another Case Study Sunday. Emily shares how she bought her first home with her family and how she has used that to buy her first home.

In this episode, we discuss whether unlucky numbers of your letterbox make a difference to your property's value. Some cultures avoid and are superstitious about certain numbers like 4, 13 and 44. But does it make a difference when it comes to your property's value. We dive into the data to find out how you should use these numbers as part of your property investment strategy.

In this episode, we discuss when paying down debt just makes sense. So often on the show we bang on about interest-only mortgages. But you shouldn't always avoid paying down debt. Sometimes it just makes sense. That's why in this show you'll hear the times and situations when paying down investment debt just makes sense. Main topics discussed: principal and interest vs interest only

In this episode, we discuss how long you can expect your retirement to last. This is based in Stats NZ data that shows how long the average person is expected to live based on their sex and birthdate. We show how the average person underestimates how long they're expected to live and therefore how much money they'll need for retirement. Main topics discussed: Life expectancy How long the average person lives How long retirement lasts

In this episode, we compare the top property software in New Zealand. Specifically we look at Property Guru, Relab and MyPropTech. Property Guru is produced by CoreLogic, while Relab is an independent startup. On the other hand MyPropTech is part of the Du Val Group. We weigh up the pros and cons of each software so you can decide which is the right one for you. Main topics discussed: Property Guru, Relab and MyPropTech Top Property Software NZ

In this episode, we discuss the 7 things that non-property accountants get wrong when it comes to property. This includes things like "buy a commercial building" and "it's a bad investment". To be clear, you need a good property accountant. But sometimes more general business accountants give bad advice when it comes to property. If you're looking for a good property accountant here are our picks for the top property accountants in New Zealand?.

In this episode, we discuss the 4 strategies you can use to make your retirement fund last longer. This is based on the 4 rules of thumb that have been released by the NZ Society of Actuaries. The rules of thumb include: the rule of 6%, the rule of 4% and 2 others. But you'll have to listen to the episode to find out what they are. Main topics discussed: Managed funds and shares Retirement funds, and decumulation Nest Egg Strategy

In this episode, we discuss how Troy and Jana became mortgage free by 31 and 33. They walk us through how they used investment properties to pay off their mortgage, and how they are growing their property portfolio. Main topics discussed: How to use investment properties to pay off your mortgage Opes Partners Customer Case Study

In this episode, we discuss whether you should use a look through company or normal (standard) company to own your investment properties. This includes a discussion about the pros and cons of both ways to owns your investments. On one hand ordinary companies appear to have a lower tax rate, but this isn't always as simple as it seems. Main topics discussed: Look through companies vs companies for investment properties Property accountants Ownership structures

In this episode, we discuss the 7 things that your family or Uncle Lester will say about property investment at the family BBQ. Property investment is a contentious topic, especially among family and friends. So this episode is to share what they might say and what to look out for.

In this episode, we give an honest overview of the differences between enable.me and Opes Partners. This includes differences in the price of properties offered through their subsidiary (Momentum Realty) and Opes. We also talk about the costs you need to think about the differences in build type. Ultimately this is so you can decide which is the right option for you. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss how to find out and then fix your credit score. This includes what to do if you find there are factors on your credit report that could stop you from getting a mortgage. Main points discussed: ClearScore Credit scores and credit reports How to find out your credit score And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss the top 6 property developers in Christchurch. This includes who they are, what they specialise in and why we like them. So if you're interested in buying an investment property you can know who you might like to consider. Top picks include: Oakridge Homes, Freedom Built, Rosefern, Millsford, Four Avenues and Tao Homes. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss how to create a cashflow for an AirBnb property. This includes how much it costs to maintain an AirBnb and how much money you can make. We also discuss how much vacancy you should expect to have with a property you're renting out as short term accomodation. This way you can have confidence if you do decide to rent your house out as an AirBnb. Main points discussed: AirBnb Cashflow How much can I make from AirBnb? Short term accomodation Click here download the Airbnb cashflow spreadsheet. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we are joined by Producer Dave, the editor and producer of the Property Academy Podcast. He shares some of the stories from behind the scenes of the show and talks about how he started investing in property. This includes some of his top learnings from being involved in the show. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode we discuss the hottest and coldest rental markets in New Zealand. This is based on new data from TradeMe that shows the average number of days a property stays listed online. Some of the areas discussed include: Thames-Coromandel, Otorohanga, Kawerau, Queenstown, Blenheim, Southland and Westland. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss no money down deals and contemporaneous settlements. This includes how to make money from a no money down deal and the risks it involves. This includes how to negotiate a no money down deal and the levers you can pull like asking for a deferred settlement (delayed settlement) and early access. Main points discussed: Contemporaneous settlements deferred settlement (delayed settlement) Early access No money down deals And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

in this episode, we discuss what property investors must do before using (and paying for) a property coach. This comes after Andrew met with an investor who had paid $18,000 for property coaching ... but they then found out they couldn't get the money from the bank. They'd forked out thousands for education they wouldn't be able to use. Main topics discussed: Property coaches like Property Apprentice, Wolfe Property Coaching, AssetLab, Property Lifestyle, Nichole Lewis and Wealth Mentor Cost of property coaching And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss the impact of a potential new National-led government on the NZ property market. Will property prices increase faster? How quickly will it take for the property market to recover? And what policies will likely come in? Click here to download our Return on Investment calculator to see how the policies will affect your investment property. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss what self employed Kiwis need to know about getting a mortgage. This includes what the bank looks for and what they'll ask you to approve when you apply for a home loan. This applies to business owners, self employed people, freelancers, contractors and commission-only sales people. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss how rental yields are changing. This includes whether they are going up or down. We look at a couple of areas, including Auckland and Invercargill to talk about the rental yields you can expect to get in today's market.

in this episode, we are joined by Alex a rentvestor from Christchurch. Alex shares how he has 2 investment properties while still renting. He talks through his portfolio including how one he Airbnbs is cashflow positive even while interest rates are high.

In this episode, we discuss the 6 steps to flip your first home. This is especially useful if you want to buy your first home as a group. This includes how to set up your group the right way, what sort of house to look for and how to renovate it. You'll also get tips on how to sell your property for top dollar. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss whether properties in small towns take longer to rent than those in bigger cities. We dig through TradeMe data to find out how long it takes to rent a property and where the hottest and coldest rental market are in the country. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we delve into how to choose a property management company. This includes what to look for in a property manager, what they need to know and the red-flags to look out for when picking a company. Main points discussed: What to look for in a property manager The process of finding a property manager: from rental appraisals to signing agreements. Top property managers in New Zealand And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How to run the numbers on an investment property in 2024' and had a real life case study with studio guests Stacey and Matt talk about their property investment journey.

In this episode, we discuss a controversial property deal involving undisclosed moisture issues and two Barfoot and Thompson agents. We talk about what happened and why the buyer of the property was left with a hefty repair bill for a buyer. Through our investigation, we uncover the intricacies of the deal, from overlooked building reports to pivotal decisions on auction day. Main points discussed: Building reports Real estate agent conduct The importance of due diligence in property transactions. Real estate agent complaints And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss the pros of cons of commercial vs residential property. That way you can decide which is the right investment for you. We talk about the yields you can expect, how much you need to spend, the deposit you need and how the cashflow works. This is wrapped up within a case study so you can get a sense of what it possible. Main points discussed: Overview of commercial vs residential properties. Initial deposit requirements. Yields and cashflows.

In this episode, we discuss the 6 different ways you can invest in property and how to choose the path that works for you. This includes whether to invest in New or Existing properties. We also look at whether you should renovate, or whether it's a better idea to develop. We look at examples of investors who are using each strategy and what it takes to get started. Main points discussed: New vs existing Developing properties Renovations and renovating properties.

In this episode, we are joined by Anita and Tim. They are property investors from Wellington. They ran into a problem when they started investing. They had 2 financial advisers saying opposite things. Who should they listen to? Anita and Tim tell us what they did aliong with their goals and what they plan to grow their investment portfolio.

In this episode, we discuss what you need to do every year as a property investor. This includes things like putting up your rent, looking at your interest rate, and checking in with your financial advisers. Main points discussed: Annual property investor checklist What you need to do every year End of year for property investors And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss how likely it is you'll lose money if you invest in property. We look at the historic returns from the property market, then look forward into the future to calculate the probability that your house goes down in value after you buy it. And we also mention our Private Property newsletter, click the link to read on the Opes Partners website.

In the episode, we debunk myths about home renovations portrayed on popular reality TV shows. This includes looking at how the condensed timelines, streamlined coordination, and unrealistic costs can set up viewers for disappointment and costly mistakes. You'll learn that while these shows are entertaining, they are not educational guides for how to do a real-life renovation. Main points discussed: The Block, Love it or List it Reality TV renovations And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In the episode, we discuss how to exit a joint property investment, the right way. This includes: buying out other partners or selling the property. It also delves into factors to consider in choosing between new or existing properties for reinvestment. Main points discussed: JVs Buying as a group when to sell New Builds vs Existing And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In today's episode, we discuss the specifics of landlord insurance for property investors. This includes what it covers, how much it costs, and when it's useful. If you've ever wondered about the ins and outs of landlord insurance, this episode is your go-to guide. Main points discussed: Landlords insurance Natural disasters Loss of rent cover And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss the strategies Kiwis can use to pay off their home mortgage with an investment property. This includes talking about whether it's legal and how you can actually do it. Main Points: Mortgage re-structure Portfolio structure Bright Line Test Look through company and trusts And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we are joined by Jeanette and Brett. This couple have bought 5 investment properties in just 2 years. They're not on mega-money. Brett's a policeman and Jeanette is a primary school teacher. They share how they've grown their investment portfolio and the challenges they're currently facing.

In today's episode, we discuss the latest statistics on property yields across New Zealand. From Southland's high yields to Auckland's lower ones, find out what makes a "good" yield in 2023. Main Points: Fresh data on average, low, and high property yields across NZ regions. Comparisons between the higher-yielding regions like Southland and Otago vs. lower-yielding areas like Auckland. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss the National Party's housing policy. This includes a look at interest deductibility, the bright-line test and changes for commercial property owners. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss the latest data about the New Zealand property market. This includes revealing that property prices across the country have increased 3 months in a row. You'll also hear the latest stats about the rental market – and the surprising place where rental properties are snapped up in just 8 days. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss whether it's a good idea to invest in Taupo. This includes a deep dive into the Taupo property market. That allows you to answer the question "are proeprties in Taupo a good investment right now?" Main Points: Latest data on Taupo's housing market. Rental availability in Taupo and its significance. Is Taupo over or undervalued? And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss whether you should refinance your mortgage. This includes what refinancing, restructuring and refixing really mean. You'll also learn the pros and cons of refinancing your mortgage and switching banks. Main Points: Difference between refixing, restructuring, and refinancing. Why refinancing is a hot topic. Pros and cons of refinancing. Splitbanking. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss what a good gross yield is in 2023. We talk about how to calculate the gross yield. Then we deep dive into the Hamilton property market to show what yields property investors are willing to accept in 2023. We reveal that the median gross yield in Hamilton is 4.46%. Main points discussed: How to calculate gross yield Real-world examples from Hamilton The median gross yield is 4.46% Importance of calculating yield based on current value

In this episode, we are joined by Jeremy Field, a 34-year-old who already owns 5 properties. Jeremy shares his story, including how he dropped out of high school with no qualifications. He went on to turn his life around. He currently owns 5 properties. And we also mention our upcoming ⁠⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss how you can become a full-time property investor. This includes what it takes to quit your 9-to-5 and manage your property portfolio full-time. We look into Connor's scenario. He's a 30-year-old with 14 properties. We explore key strategies for maximizing property cashflow, making smart sales, and retaining bank support. Main points discussed: Requirements for full-time property investing Retiring young And we also mention our upcoming ⁠⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In today's episode, we are joined by Nuinra Katta from NMK Interiors. Nurina is an interior who specialises in investment properties. She shares what property investors need to know when renovating their rentals. We explore what you can do to your properties to get a higher rent, less vacancy, and a higher property value. Main points discussed: Impact of strategic interior design on property value. Design nuances for investment properties vs. personal homes. Cost-benefit analysis and emerging design trends. And we also mention our upcoming ⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we are joined by Ilse Wolfe to discuss a case study of how one investor purchased a property for $50k under its value. She also shares how the investor spent just $10k on a renovation. But, managed to increase the rent by $100 a week. Main points discussed: Cost-effective renovations low-cost renovations Instant equity Buying a property under-value

In this episode, we chat with the Money Mentalist, Lynda Moore. Lynda shares her personal journey and how she was told from a young age just to "marry a rich farmer". This includes looking at the risks of depending solely on a partner for finances. Main points discussed: Lynda Moore's personal financial journey. The pitfalls of depending on partners for finances.

In this episode, we discuss one of Ed's biggest property investment mistakes. He shares how we put a property under contract when his relationship was already on the rocks. Ultimately this put him in a tough position when it came to calling it quits with his then partner. Main points discussed: Property investment mistakes Property and relationships And we also mention our upcoming ⁠⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss how Kiwis can decide which interest rate to choose. This includes which mortgage interest rate to go for and strategies for selecting the best mortgage interest rate. We look back at past trends and explore the trade-off between a lower rate and stability. Main points discussed: fixed interest rates. Choosing your interest rate Here is the link to the Interest Rate spreadsheet mentioned in this episode. And we also mention our Opes Partners YouTube channel, click the link to check it out.

In this episode, we are joined by Aaron – a listener of the show – for Case Study Sunday. Aaron shares how he owns 12 properties and how he has quickly grown a portfolio while living aborad. Main points discussed: Investing in property from overseas property investor case study

In this episode, we discuss National's foreign property buyer policy. This includes which parts of New Zealand would be most impacted and how that might flow through to the rest of the country. Main points discussed: National's foreign buyer policy and its implications. The 2018 foreign buyer ban and its impact on the NZ property market. Auckland's property market: Potential surge and broader effects. And we also mention our upcoming ⁠⁠⁠⁠Wealth Plan seminars⁠⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss how fast rents go up. This includes times when rents have gone up faster than average. It also looks at times when rents haven't increased quite as fast. We also dive into how inflation impacts rents, and whether rents go up faster when inflation is high. Main points discussed: annual rent increase. Rental rates vs. inflation. Impact of high inflation on rents. And we also mention our upcoming ⁠⁠⁠Wealth Plan seminars⁠⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss property syndication 101, and how investors can get started in property syndication. We go through the basic and more complex approaches. We also mention some of the companies you can use to buy syndicated property. People like Erskine Owen, Bayleys and Centuria. We also look at property funds and REITs. Main points discussed: property syndication commercial property Real Estate Investment Trusts (REITs) Bayleys, Centuria and Erskine Owen And we also mention our upcoming ⁠⁠Wealth Plan seminars⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss the pivotal trait that sets successful property investors apart from the rest. This includes looking at the psychological tactics you can use to motivate yourself to continue investing. Main points discussed: Money motivation Motivating yourself to save Saving vs spending And we also mention our upcoming ⁠⁠Wealth Plan seminars⁠⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss the pros and cons of the Buy and Hold strategy. While the idea of purchasing a property and waiting for its value to rise may sound appealing, it's still got its challenges. You'll learn the limitations of the strategy and the potential pitfalls. Main points discussed: Overview of the Buy and Hold strategy. Problem #1: Reliance on the market. Problem #2: Property values can stagnate or even decrease. Problem #3: Equity remains locked until property sale. Problem #4: Potential for continuous top-ups due to negative gearing. Ideal candidates for the Buy and Hold strategy. And we also mention our upcoming ⁠Wealth Plan seminars⁠ in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we delve into the motivations behind real estate investing. Ed and Andrew explore the Nest Egg and Golden Goose retirement strategies, using real-world examples. These strategies help you retire early and live the life you want. Main points discussed: The 'why' behind investing in property Nest Egg vs Golden Goose retirement strategies. Real-world investor stories. The inherent risks and rewards of property investment.

In this episode, we are joined by Paarth to discuss his property investment journey. At just 24 years old, he already owns 2 properties. Seeing his older sister buy her first home at 21 inspired him to start a property portfolio. Want to come on Case Study Sunday? Send us a message on Instagram.

In this episode, we discuss whether it's worth investing in Palmerston North. Palmerston North is close to Wellington and is New Zealand's 8th largest city. We discuss whether it's worth a punt, and discuss its significant student population from institutions like Massey and UCOL. Main Points Discussed: Overview: Quick facts about Palmerston North Best Investment Neighbourhoods in Palmerston North: A data-driven look at promising areas And we also mention our upcoming Wealth Plan seminars in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this timely Election Special, we delve into how various political parties' policies could influence property investors. Our aim is not to guide your vote but to inform you about the stances of each party on key property-related issues. Main Points Discussed: Interest Deductibility: How parties like Labour, Greens, and National differ on this policy Bright Line Test and Capital Gains Tax: What you need to know New Rental Rules: From rent control to no-cause terminations Wealth and Land Banking Taxes: The Greens and Te Pati Maori’s proposed taxation systems Listen in to understand how these policies may affect the property market, thus informing your overall election decision. And we also mention our upcoming Wealth Plan seminars in Auckland, Wellington and Christchurch. Click the link to register for tickets.

In this episode, we discuss what property investors can deduct on their tax return. This We play a game where Andrew has to rank 12 potential tax deductions from largest to smallest. Main Points Discussed: Tax deductions for property investors Property investment game The Price is right By tuning in, you'll not only learn about what you can deduct to effectively pay less tax but also enjoy an entertaining segment involving a wager over hot spicy chips.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'Policies, Predictions & Property - How to invest in 2024' and had a real life case study with Michelle and Tim talk about their property investment journey.

In today’s episode, we put an Aotearoa twist on Dave Ramsey's renowned 7 Baby Steps. We explore how these American financial guidelines translate to the Kiwi market and what adjustments would make them more suitable for New Zealanders. Main Points Discussed: Introduction to Dave Ramsey and his 7 Baby Steps Adapting these steps for the Kiwi financial landscape The episode takes an in-depth look at strategies for paying down debt and growing income with the aim of property investment. We also mention Opes Partners' other podcast Property ExpLained, click the link to give it a listen.

In this episode, we discuss how cashflow in property investment has changed over the years. This includes how interest rates, property prices, and law changes have impacted your bottom line. Main Points Discussed: Property investment cashflow Year-by-year case studies demonstrating cashflow trends As the episode reveals, cashflow top-ups have significantly increased over the years. This is mainly due to rising interest rates and market changes.

In this episode, we compare the renders vs reality. This is how properties in the developer's designs compare to the final product. We look at examples where the finished property didn't quite match up to the glossy renders. This includes what your options are when discrepancies arise. Main Points Discussed: New Build renders What if the developer doesn't deliver Legal rights Buying off the plans Building inspections Sometimes, what you see is not what you get. Know your rights, read your contract, and yes—you absolutely do need a building inspection.

In this episode, we are joined by Matilda and Jess. They own 2 rental properties at just 28 and 31 years old. We dive into the couple's journey from saving diligently for their first home to using it to buy their first rental property. Matilda and Jess share their motivations for venturing into property investment. They discuss how investing has already started to make a difference in their lives. Main Points Discussed: Case Study Investing from Australia Saving Building your first home

In this episode, we discuss the often-misunderstood realm of property management. We look at what you should and shouldn't expect from your property manager. This includes real-world scenarios of how property managers should act. Main Points Discussed: Understanding what "fair wear and tear" means Rent reviews Property management Property managers And we also mention our upcoming webinar ⁠⁠⁠⁠Policies, Predictions & Property: How to invest in 2024⁠⁠⁠⁠ on Tuesday September 5th at 7pm, click the link to register.

In this episode, we discuss how to figure out what to offer for a house. This includes actionable tips on how to figure out the price without talking to a real estate agent (or paying money for expensive software). We also cover the "Right Rent System" method, demonstrating how to do your own market analysis. By spending just 15 to 30 minutes on research, you'll be better informed than most buyers. Main Points Discussed: Using Homes.co.nz, OneRoof and Property Guru The "Right Rent System" for pricing Market research And we also mention our upcoming webinar ⁠⁠⁠Policies, Predictions & Property: How to invest in 2024⁠⁠⁠ on Tuesday September 5th at 7pm, click the link to register.

In this episode, we discuss the pros and cons of buying a property off the plans. We break down what it means to buy a property that hasn't been built yet. The benefits include possible capital growth, avoiding higher interest rates, and the luxury of first choice. However, they also explore the potential cons and risks. These include property prices going down, banks changing their lending criteria, loss of deposit, and concerns about the developer's quality of work. Main Points Discussed: off the plans pros and cons New Builds Risks of buying off the plans And we also mention our upcoming webinar ⁠⁠⁠Policies, Predictions & Property: How to invest in 2024⁠⁠⁠ on Tuesday September 5th at 7pm, click the link to register.

In this episode, we discuss where the most expensive local council rates are for property investors. The analysis includes an examination of areas where council rates are more expensive and less expensive. Main Points Discussed: The most expensive council rates for property investors Ratepayers Report Big cities vs small towns Key factors influencing rates, including population size and density, geographic area, and fixed costs And we also mention our upcoming webinar ⁠⁠Policies, Predictions & Property: How to invest in 2024⁠⁠ on Tuesday September 5th at 7pm, click the link to register.

In this episode, the hosts explore the complex world of mortgage clawbacks. This is where your mortgage adviser could send you an unexpected bill for thousands of dollars. You'll learn the potential cost of clawback fees, how they are calculated, and how they can be legitimately charged. We also share tips for how to avoid clawback fees. And we also mention our upcoming webinar ⁠Policies, Predictions & Property: How to invest in 2024⁠ on Tuesday September 5th at 7pm, click the link to register.

In this episode, we discuss the recent Reserve Bank announcement and what it signifies for the property market. The Reserve Bank has left the OCR at 5.5% and released new forecasts and data that both signal the end of the downturn in the property market. According to their forecasts, house prices bottomed out in March and are expected to increase by 14.5% three years from today. Alongside this, we discuss recent REINZ data, showing two months of rising Auckland property prices, and variation across different regions in New Zealand. Main points discussed: Reserve Bank's new forecasts and its implications REINZ data and property price trends Is it too early to declare the end of the property market downturn? The possible impact on interest rates. Also we mentioned the House Price data on our website, click the link to see all the latest updated data.

In this episode, we are joined by Di Foster a listener of the show and property investor. Di shares her story, including how she was diagnosed with terminal cancer but pulled through and is now living life to the fullest. She shares how she started investing in property, her fears and her concerns. If you'd like to come on Case Study Sunday and share your story, either message us on Instagram, or email ed@opespartners.co.nz

In this episode, we discuss the average tenant who is likely to rent a property. This is based on data gathered from various sources, including Stats NZ. We start with an overview of the entire country, then dig into the differences between renters and homeowners. Ultimately this gives you a sense of who your tenant may be ... and the sort of properties they want to rent. Main points discussed: Renters vs owners Average tenant Who will rent my property? We also mention this article that contains all the data. And we also mention our upcoming webinar ⁠Policies, Predictions & Property: How to invest in 2024⁠ on Tuesday September 5th at 7pm, click the link to register.

In this episode, we discuss a recent post from the Property Investors Chat Group, where a property investor expressed frustration with their mortgage broker. The investor felt that the broker did not secure the best interest rate for them and raised several non-negotiable conditions for their mortgage. Andrew and Ed dissect the post, reacting to both the investor's demands and the broker's response. Main points discussed: mortgage brokers Does mortgage broker get best interest rate? And we also mention our upcoming webinar Policies, Predictions & Property: How to invest in 2024 on Tuesday September 5th at 7pm, click the link to register.

In this episode, we discuss how to move from a non-bank to a main bank. This includes the strategies you can use to get in the position where you can move. These include: waiting for property values to increase to aggressively paying down debt. We also talk about the factors that can stop you from moving – like current bank lending policies. Main points discussed: Non bank lenders vs main banks Non bank exit strategies Bank lending policy And we also mention our book Wealth Plan is now available as an audiobook ⁠⁠⁠⁠⁠here

In this episode, we are joined by Ilse Wolfe to play a newly invented game – Renovation Roulette. This is a new game show we have just made up, where we spin a wheel to unveil the hidden costs and budget blowouts in various renovations you might complete in your house. This includes real scenarios from the Property Investors Chat Group/ Through this, you will learn the secrets behind successful renovations and learn how to spot budget blowouts and hidden costs before they hit your wallet. Main points discussed: Identifying hidden costs in renovations Renovation cost and budget blowouts BRRRR strategy And we also mention our book Wealth Plan is now available as an audiobook ⁠⁠⁠⁠here

In this episode, we discuss the complex world of mortgages, specifically break fees. We let you know what a break fee is and why the banks charge them. You'll also learn when it does and doesn't make sense to break a mortgage. Main points discussed: Understanding Break Fees How Break Fees are calculated How Long to fix your mortgage for And we also mention our book Wealth Plan is now available as an audiobook ⁠⁠⁠here

In the episode, we discuss the disconcerting journey of an investor who lost $90,000 in the property market. After purchasing, the property dropped in value. So she now has a large mortgage and a property with negative cashflow. Andrew and Ed delve into the situation, discussing the realities of buying at the wrong time and the potential recovery paths. Main points discussed: Emotional vs Logical Analysis of Investments Timing the Property Market Market Recovery Predictions Strategies to Handle Cashflow and Interest Rates Importance of Long-Term Planning and Selling at the Right Time And we also mention our book Wealth Plan is now available as an audiobook ⁠⁠here

In this episode, we discuss an inspiring case study of Te Kahukura from the Maori Millionaire. She shares her journey from growing up the daughter of a single parent relying on government assistance. Now, she's helping Maori learn about money and encourages them to get ambitious. She shares her journey and what she is doing to become a first home buyer. Main topics discussed: Personal Goals and Ambitions Money Saving Techniques Wealth Growth Strategies The Journey Towards Becoming a Millionaire at 25

In this episode, we discuss ten practical ways to save money quickly, which can help in creating a top-up for your investment property. We explore strategies ranging from setting up a specific bank account for your top-up to managing subscriptions and reducing unnecessary expenses. Ideas include ordering groceries online to avoid impulse spending, consolidating debts, evaluating KiwiSaver contributions, and even negotiating a pay rise. Some unconventional methods, such as turning off Apple Pay to add friction to spending, are also discussed. Main topics discussed: Top ups Investment property cashflow Negative gearing Paying Yourself First Online Grocery Shopping Debt Consolidation And we also mention our book Wealth Plan is now available as an audiobook ⁠here

In this episode, we discuss how to decide whether to pay off your mortgage and invest in shares. This includes the pros and cons of each. We look at the advantages of paying down a mortgage, including saving interest, lower risk, and psychological peace of mind. Next, we explore the benefits of investing in shares, such as generally higher returns, liquidity, and asset diversification, but also discuss the potential downsides like increased risk and fluctuating value. That way you can decide what's right for you. Main topics discussed: Pros and Cons of Paying Down Mortgage Pros and Cons of Investing in Shares Risk and Return Comparison Personal Considerations and Preferences Growth Funds vs Term Deposits And we also mention our book Wealth Plan is now available as an audiobook here

In this episode, we discuss the hidden pitfalls of trusting property developers blindly. This includes a look at the number of developers marketing directly to investors and the associated risks. This includes a real case study of a Golden Homes property based in Christchurch. You'll learn about the hidden costs related to progressive payments builds, inflated rent, and marketing missteps that could cost investors more than expected.

In this episode, we discuss whether new builds or existing properties increase in value faster. There's not a lot of good data to help us answer the question ... so we go through the usual arguments discussed in the property investment industry. Then we dive into real examples of new builds that have done better, worse, or the same as the market. Main topics discussed: New Builds vs Existing Capital Growth Case Studies

In this episode, Ed and Andrew talk about how quickly the "bottom" of the market lasts. This includes a look at the 2008 property market downturn to get a sense of which areas bounced back fastest. You'll also find out how much house prices increased in the immediate aftermath of the market's bottom. Key topics discussed: Bottom of the market Property price cycle Timing the market Auckland property market Queenstown property market Wellington property market

In this episode, we discuss how to avoid buying properties in flood-prone arteas. This includes a look at Auckland Council's new Flood Viewer tool. You can use this tool to identify if a property is in a flood zone. We discuss what flood plains really mean and how properties are built today to take into account flood risks. This includes a look at the tools available through different councils. Main topics discussed: -> flood risks, flood plains and flood prone areas -> Cyclone Gabrielle and the Auckland Anniversary Floods

In this episode, we are joined by Kyle and Pradshee, recent property investors and listeners of the show. They share how they got interested in investing, how they chose which property to invest in, and what their next steps are in property investment. Want to come on the podcast for Case Study Sunday? Send Ed an email on ed@opespartners.co.nz

In this episode, we discuss what Andrew would do if starting again today. He specifically walks us through how he'd replicate his journey to own 30 properties! This means starting out again as a 19-year-old with a junior job, then diving into the nitty gritty of which strategies to use over time. Main Topics Discussed: -> Building 30 properties from scratch? -> Real-life strategies & tips -> Why asset volume beats property numbers -> A big caution flag on unnecessary high risk

In this episode, we discuss how the NZ election will impact the NZ property market. This includes how many properties are sold and what it does to house prices. Ultimately this will give you a sense of how the property market is likely to change over the next 6 months.

In this episode, we unpack the potential impact of Auckland's Future Development Strategy on house prices. We discuss the council's preference for brownfields development (redevelopment of existing properties) over greenfields development (creating new suburbs from scratch). While this intensification might drive up the value of land suitable for redevelopment, we caution that these documents often don't have a significant impact on property investors. Instead, more impactful changes could come from actions like abolishing the Rural Urban Boundary. We also debunk the myth that rising building costs directly push up house prices. Main Topics Discussed: Auckland's Future Development Strategy Impact on house prices Rural Urban Boundary Council policy Local government policy

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How to Succeed as a Property Investor With No Experience' and had a real life case study with Dave and Anna talk about their property investment journey.

In this episode, we explore the differences between successful and unsuccessful property investors. We discuss how successful investors make property a top priority, ensure that both partners are on board, are patient, accept reality, and changing their thinking when facts change. We caution against waiting for the perfect property and emphasise that while successful investors are methodical and have criteria, they understand trade-offs between high growth and high yield. Main Topics Discussed: Successful vs unsuccessful property investing Relationships Tradeoffs in property investment

In this episode, we delve into how to add a minor dwelling to your property. We discuss the process, cost, potential rental returns, and the impact on the property's overall value. We explain the types of minor dwellings you can construct, the range of rental income they can generate, and the approximate cost of construction and installation. The episode further discusses who this strategy is best suited for and breaks down the pros and cons.

In this episode, we discuss one of Andrew's recent developments and how much money he expected to make ... compared to what he will potentially make. You'll get to hear what goes into a development budget, and how the costs shape up (and change) during the course of a development project. You'll also hear how much money you need if you want to start developing properties. Ultimately, you can use this information if you are interested in doing your own development project.

In this episode, we are joined by a listener of the show, Arron to discuss his property investment journey. Arron shares why he's investing in property and the strategy he's using to build wealth. This includes how he and his partner communicate and make better financial decisions together. Main topics discussed: Property Investment Case Study Communicating with Partner and relationships

In this episode, we delve into the differing price movements between new builds and existing homes over the past 18 months. We examine recent market trends, discussing if the rising cost of building and dropping prices of existing houses make it wiser to "buy the dip." We also touch on the decline in new build prices using data from developers, including Williams Corporation, and compare it with the overall market decrease. Main Topics Discussed: New builds vs existing home prices Construction costs Building costs

In this episode, we discuss the new rules for short-term visitor accommodation (like Airbnb) in Christchurch. Through the episode, we talk about the rules for all Airbnbs around the country, including where you do and don't need permission to set up an Airbnb. And we also mention our upcoming webinar about ⁠How to Succeed as a Property Investor With No Experience + Real Life Case Study⁠. It's on Tuesday August 8th at 7pm, click the link to register.

In this episode, we discuss what your tenants could be like as a property investor. We shed light on the common misconceptions regarding "dodgy" tenants in economically challenged neighbourhoods and talk about how good or bad tenants can be found anywhere. We also discuss what you can do as a landlord to attract responsible tenants. Main Topics Discussed: Misconceptions about tenants in different socio-economic areas Examples of good and bad tenants Tenancy risks And we also mention our upcoming webinar about ⁠How to Succeed as a Property Investor With No Experience + Real Life Case Study⁠. It's on Tuesday August 8th at 7pm, click the link to register.

In this episode, we discuss whether the Credit Crunch is over? We analyze recent developments in the lending policies of banks, the rise in test rates, and their impact on potential borrowers. We also look at what real mortgage brokers and mortgage advisers are seeing in the market. This includes discussing what the CCCFA roll backs mean for borrowers. Main Topics Discussed: Credit crunch and banks' lending criteria Impact of servicing test interest rates on borrowing Changes in the CCCFA Bank attitudes to lending And we also mention our upcoming webinar about ⁠How to Succeed as a Property Investor With No Experience + Real Life Case Study⁠. It's on Tuesday August 8th at 7pm, click the link to register.

In this episode, we delve into the relationship between interest rates and house prices, helping you answer the question: "Should I wait for interest rates to drop before investing in property?" We discuss how house prices may react to falling interest rates, and how quickly they may increase. We delve into housing price forecasts from leading economists and discuss the potential for a 4-6% increase over the next year. Main Topics Discussed: Interest rates and house prices House price forecasts Long term property investment And we also mention our upcoming webinar about ⁠How to Succeed as a Property Investor With No Experience + Real Life Case Study⁠. It's on Tuesday August 8th at 7pm, click the link to register.

In this episode, we reveal how much money you can make through different property investment strategies. We kick off by discussing the 'Buy and Hold' strategy, detailing what it involves, its returns, and potential risks. Next, we move to the 'Golden Goose' strategy that focuses on buying a dual-key apartment with no debt. Understand how you can walk away with substantial cash flow even after paying all costs. We also dive into the 'Flipping Strategy' and 'Development Strategy'. Discover the profits and risks tied to each and the importance of factors such as time, involvement, money, and risk tolerance when deciding the best strategy for you. Main Topics Discussed: Buy and Hold Strategy Golden Goose Strategy Flipping Strategy Development Strategy

In this episode, we are joined by Thomas, a ched from Queenstown. Thomas shares how he turned up in New Zealand with little to his name. Now, he is one of the top chefs in New Zealand. He walks us through his journey including how he purchased his first property, and what he's doing now to grow a property portfolio. Key points discussed: Buying your first investment property Queenstown Property Market

In this episode, we explore the top 10 investment hotspots in New Zealand outside the main centres. We discuss the potential for capital growth in locations such as Kaiapoi, Rangiora, and Ashburton. We also delve into why the South Island, specifically places like Blenheim and Nelson. While making our assessment, we consider factors like affordability, rental yields, average incomes, population growth, and desirability. Lastly, we cover areas with high rental yield like Tokoroa, Levin, Whanganui, and Gisborne and reveal why Queenstown-Lakes has made it to our top 10 list. Main Topics Discussed: Top investment locations Rangiora property market Kaiapoi property market Ashburton property market Levin property market Whanganui property market Gisborne property market Tokoroa property market Queenstown property market Nelson property market Blenheim property market We also mention you can play around with this data on our website. And we also mention our upcoming webinar about ⁠How to Succeed as a Property Investor With No Experience + Real Life Case Study⁠. It's on Tuesday August 8th at 7pm, click the link to register.

In this episode, we discuss the latest inflation data and our predictions for where inflation is heading. We start by discussing the current 6% inflation figure and how fast inflation is going down. This includes the impact on interest rates and our latest interest rate predictions. Finally, we discuss the potential impact on the property market and house prices. Main Topics Discussed: Inflation Inflation impact on interest rates Inflation predictions and inflation forecasts Interest rate predictions and forecasts And we also mention our upcoming webinar about How to Succeed as a Property Investor With No Experience + Real Life Case Study. It's on Tuesday August 8th at 7pm, click the link to register.

In this episode, we discuss the top four reasons why your mortgage application might get declined. This includes real-life case studies to show you where Kiwis are going wrong. This includes scenarios where investors have got the value of their properties wrong, not disclosed debts, and put the wrong income on a mortgage application. Through this, you'll learn how to avoid mortgage rejection and will be able to steer clear of these common mistakes. Main topics discussed: Getting finance Mortgage approval Mortgage decline We also mention our upcoming property investment bootcamp. This is in Christchurch on Saturday 29th July from 1 – 3pm. It's free to register. Click the link to book your free ticket.

In this episode, we discuss how population shifts impact the property market. This includes what the birth rates from 21, 47 or even 65 years ago tell us about the property market today and where the opportunities will be in the future. You'll hear how to use this data to plan your property portfolio and buy properties New Zealand needs. Main Topics Discussed: Impact of Demographics on Property Market Trends in University Student Numbers Future of Student Housing Increase in Elderly Population Changes in Housing Needs Role of Demographics in Market Analysis

In this episode, we are joined by Michael and Becky from Anxiety Specialists to talk about how you can conquer investment anxiety as a property investor. Together, the two take us through the techniques that you can use to conquer anxiety including Worry Scheduling and Conscious Challenging. You can use these techniques to deal with worries, fears and concerns when investing in property. And we also mention Anxiety Specialists YouTube Channel and their website.

In this episode, we unravel the hidden costs associated with selling a house. We don't just talk about the real estate agent's fees but dig deep into all the costs you'll face when putting a property on the market. We start with the unavoidable costs related to photos, videos, and marketing, which also includes the fee to list the property on TradeMe. We then discuss how much it typically costs and when you need to pay for these services. Staging your house is not mandatory, but is it recommended? We weigh in on the pros and cons and discuss the influence it has on the final selling price. We also share the typical costs, factors that can make it more expensive, and when these payments are generally due. Other significant expenses to consider are a builder's report and potential repair costs. We explain why it's beneficial to invest in a builder's report and discuss an instance where a property needed substantial maintenance before being listed. Finally, we sum up all the costs, giving you an idea of what the total cost could be when selling your house, apart from the agent's commission. Main topics discussed: Marketing and Listing Costs The Role and Cost of Staging The Importance of a Builder's Report Potential Repair Costs Total Cost Summary

In this episode, we are joined by Becky and Michael, a pair of podcast listeners who are currently building two properties on the back of their section. We go through the emotional rollercoaster of the build, and how they were hit by an unexpected $500,000 bill. Michael and Becky walk us through how they handled it, and what their next steps are in property investment.

In this episode, we delve into the financial aspects of selling a house, specifically, when and how you get paid from the sale. We begin by discussing the reasons why people are keen to get the money quickly, such as needing the cash to pay a deposit on their next property. We then break down the selling process, shedding light on when you actually get paid. You'll also learn what happens on settlement day, when the balance of the property price is paid. Main topics discussed: House Selling Process Deposit Payments Real Estate Agent Commission Legal Aspects Settlement Day We also mention our upcoming property investment bootcamp. This is in Christchurch on Saturday 29th July from 1 – 3pm. It's free to register. Click the link to book your free ticket.

In this episode, we discuss the latest property market data from the Real Estate Institute of New Zealand. This includes a look into which areas are increasing (and which are decreasing) in value. We also discuss the areas where more (and fewer) properties are selling. Ultimately, this lets you make an informed decision about whether (and where) to invest in New Zealand property.

In this episode, we discuss the recently updated Unit Titles Act, and what these changes mean for apartment owners in New Zealand. We start with a breakdown of the new laws that came into effect on 9th May 2023 and highlight the three main changes: Giving apartment buyers more information about the building so they can make a more informed decision. Forcing some body corporates to hire a professional body corporate manager. Increased emphasis on long-term maintenance planning, including the requirement that some body corporates will now need to create a 30-year long-term maintenance plan. Finally, we address the impact of these changes on body corporate fees and whether the increased disclosure and new rules could lead to higher costs for apartment owners. Main topics discussed: Apartments New Body Corporate Rules Unit Titles Act Changes Role of Body Corporate Managers Long-term Maintenance Planning Potential Rise in Body Corporate Fees We also mention our upcoming property investment bootcamp. This is in Christchurch on Saturday 29th July from 1 – 3pm. It's free to register. Click the link to book your free ticket.

In this episode, we discuss whether interest rates will go down over the next few years. We dive into the factors impacting interest rates and discuss why many people believe they might drop in the future. We discuss how the Reserve Bank has increased interest rates to combat inflation and explain how an inverted yield curve can signal expected rate drops. We also look at the Reserve Bank's own projections and recent inflation trends, which both suggest that we might have reached the peak of the interest rate cycle. Main topics discussed: Interest rates in New Zealand Interest rate predictions Inflation Interest rates Reserve Bank

In this episode, we break down the key differences between: Renovate to Flip vs Renovate to Hold. We dig into the unique considerations that each method demands: Buyer: whether you'll sell to an owner occupier or rent to a tenant. Building: The type of property you'll invest in. Bunnings (Building Materials): The choice of renovation materials based on look and how easy it is to replace. Budget: How much you should spend on a flip vs a hold. We wrap up the episode with some real-life success stories about successful flip and hold renovations. Main topics discussed: Renovation strategies Renovate to flip vs renovate to hold BRRRR strategy Renovating Flipping properties

In this episode, we dissect whether you should invest in Auckland – New Zealand's largest and most expensive city. We discuss the pros and cons of investing in Auckland. Highlights include: Auckland's house prices are currently 9.30% below their long-term average, suggesting potential growth. Historically, Auckland's house prices have increased more rapidly than the rest of New Zealand. Population growth in Auckland is set to fuel the demand for housing. However, Auckland's high house prices and lower yields present challenges for investors. We examine what kind of properties an investor should consider in Auckland and delve into who would most benefit from investing there. Main topics discussed: Auckland house prices Auckland property market Auckland property investment

In this episode, we are joined by Nitpreet, a listener of the show who joins us from the back of his family jewellery shop. He shares how his family are investing together in the South Auckland market and how they achieve their financial goals together. This includes why they want to invest and how they manage the family dynamic (and any issues that come up).

In this episode, we delve into the 23-step checklist you can use to identify good investment properties. This detailed guide covers five critical aspects of property investing: Location: things like historical capital growth, the property cycle of the region and population growth. Developer: Factors related to the developer's financial stability, reputation and their handling of issues. Banks / Lending: We explore whether banks will lend you money for the property. Building: Whether the property has a healthy yield, tenant demand, and whether it meets the Healthy Homes Standards. Pricing: We discuss the significance of appropriate and affordable pricing. You can download the checklist to use on your own property investment journey here.

In this episode, we discuss how couples planning to have children can invest in property, how to plan a portfolio, and what to look out for. This includes how to navigate the financial challenges that come with a single income while one partner is on maternity leave. We shed light on how having children impacts cash flow, borrowing capabilities, and your ability to invest. We also explore how maternity leave influences these dynamics. Main Points Discussed: The Impact of Having Children on Investing: Maternity leave Investing Before Having Children: Friendly Bank Policies for People on Maternity Leave: Strategies for Single-Income Families:

In this episode, we delve into the world of building inspections, showing you how to spot significant issues (and avoid worrying about minor concerns). We analyze two different building inspection reports: one for an existing plaster home, and the other for a new build. Whether you're a seasoned investor or a first-time homebuyer, this episode will teach you how to navigate building inspections confidently. Main Points Discussed: Understanding Building Inspections Analyzing an Inspection Report for an Existing Plaster Home Dissecting an Inspection Report for a New Build How to Distinguish Between Major Problems and Minor Issues Links Mentioned –  ⁠Property investment bootcamp - Learn how to be a property investor

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How To Spot the Difference: Good Vs Bad Investment Property' by uncovering the hidden traits of a profitable investment property, the common oversights made by investors and we share our 23 step checklist to help you make the right decisions.

In this episode, we tackle the "Earn Baby Earn" strategy for self-employed individuals, small business owners, and commission earners aiming to get their mortgages approved. We define what this strategy is, how it works, and why it might help you borrow more from the banks. Through a case study, we illustrate how one couple, Lucy and Nathan, successfully used this strategy to get their loan approved despite initially failing to meet the bank's requirements. Main Points Discussed: The "Earn Baby Earn" strategy explained Actual vs. Bank perceived income Advice for commission earners seeking a mortgage The potential of the "Earn Baby Earn" strategy for prospective property investors Links Mentioned: Property investment bootcamp - Learn how to be a property investor

In this episode, we delve into 7 major indicators that suggest that the property market is about to turn. We discuss factors like the recent dip in house prices, wage growth, a continuous rise in rents, and escalating construction costs. We also cover whether interest rates have peaked and if the banks are easing credit criteria. Main Topics Discussed: Property Market Update Decline in House Prices Wage Growth Rising Rents Construction Costs and Failing Developments Banks Easing Credit Criteria Links Mentioned: Tony Alecander's Newsletters Upcoming Webinar (Spot the Difference: Good Vs Bad Investment Property⁠ Tuesday, 11th July at 7pm)

This episode breaks down the basics of useable equity. We clarify what useable equity is, how it differs from regular equity, and how it can be leveraged to purchase an investment property without a cash deposit. We also address potential uses, risks, and the steps to access your useable equity. This knowledge is essential whether you're an experienced investor or just beginning your property journey. Main Points Discussed: Definition and Calculation of Useable Equity Utilizing Useable Equity to Purchase Property Different Property Types and Borrowing Limits Other Uses and Risks of Useable Equity Steps to Access Your Useable Equity Links mentioned: Useable Equity Calculator

In this episode, we are joined by Christine and Miriam from Wellington. These sisters began investing together about 6 years ago. Since then, they have used their first property to grow an impressive portfolio. Today, they have 6 properties between them. They talk us through their journey and what they've learned over the years.

Should you use one or two real estate agents to sell your property? Justin, one of our listeners, has 2 properties up for sale. But two real estate agents want to sell them in different ways. And he's scratching his head over which strategy to go for. In this episode, we get down to the nitty-gritty of sole agency versus general agency contracts. I.e. should he use 1 or 2 real estate agents? We talk about the pros and cons of both options. With a sole agency, you might get better service, but your property's exposure is limited to one network. With a general agency, your property potentially gets seen by more people, but there are potential conflicts and extra costs to consider. And just to keep things spicy, we look at Justin's specific situation. Plus, Andrew shares a real-life experience from a few years back when he was in Justin's shoes. Main topics discussed: Sole vs General Agency Selling strategies for adjacent properties Real-life experiences in property selling Pros and cons of both agency options Links mentioned: Upcoming webinar – Spot the Difference: Good vs Bad Investment Property Tuesday 11th July at 7pm

In this episode, we dive into the murky waters of setting up a resident's association. You're in for a treat – it's a step-by-step guide! A listener of the show, Michael is in a bit of a pickle. He settled on a townhouse in Dec '22. But here's the twist, the developer went under, and now there's no resident's association. So, Michael is scratching his head, wondering – do I need one? And if I do, how on earth do I set it up? In this episode, we clear the air about resident's associations – what they are, why they're important, and yes, the nitty-gritty on how to set one up. You'll learn about the three main functions of a resident's association. You'll also learn the five steps you need to set up a resident's association: Main topics discussed: Setting up a resident's association Role of insurance in resident's associations Shared property maintenance Rules within resident's associations

In this episode, we get down to the nitty-gritty of rental appraisals. A listener recently reached out, scratching their head over a couple of rental appraisals that seemed a bit high for a potential investment in Auckland's Beach Haven. We unpack what rental appraisals really are and how much weight you should give them. Spoiler alert: they're not an exact science! You'll learn the steps you need to take to make sense of these estimates, and we'll use a real-life example to illustrate our points. And what if you pick the wrong appraisal? We've got you covered with a chat about the potential pitfalls and how to sidestep them. This episode is like a backstage pass to the world of rental appraisals. So, buckle up and join us for the ride! Main topics discussed: Rental appraisals Property investment Property management Real estate market in Auckland Beach Haven properties Market research Rental income

In this episode, we dive into New Zealand's housing landscape to discuss whether first-home buyers can still break through. We talk about the widening gap between house prices and income growth. But also that despite the challenges, first-home buyers are making homeownership happen, accounting for a quarter of the market. We also explore international homeownership comparisons, debunking some common misconceptions. You'll also hear inspiring stories of first-home buyers overcoming obstacles and offer practical advice for those looking to secure their first property. Main topics discussed: First home buyers Homeownership Success stories

In this episode, we discuss a situation where a listener of the show is trying to convince her sceptical husband to invest in property. We share her story and talk through the best way to talk to your significant other about property investment. This includes a discussion about what happens when they read bad news articles in the media. Ultimately we suggest that instead of trying to 'convince the sceptic', you should instead try to understand their thoughts, concerns and fears so you can discuss how to work through them. We also mention that you can find our new ebook here – New Build Buyers Guide ebook. You can also read the interest.co.nz article mentioned in the podcast here.

In this episode, we discuss how many cars Kiwis own. This includes diving into the numbers to look at how car ownership differs between homeowners and tenants. We also discuss how this changes around the country. People own lots of cars in some parts of NZ, and fewer cars in other parts. Ultimately, this will help you make a decision about how many cars you need in your investment property.

In this episode, we are joined by Nicole, a property investor who bought her first rental at 29. Nicole shares how she bought her first home and the steps she took to get ready to invest in property. But it wasn't until Nicole saw someone her age buying an investment property that she realised she could too. As usual, Nicole is a listener of the show and has come on to Case Study Sunday to share her story and inspire others. If you want to feature on Case Study Sunday, too, send an email to ed@opespartners.co.nz

In this episode, we discuss which is the better website for finding property investment deals – TradeMe or Realestate.co.nz. We review how many listings each website has, the features and the differences in how you search for properties. Ultimtaely there are more differences than you might think. Ultimately we crown the king of property websites.

In this episode, we look through the latest property market data to determine which New Zealand areas will bottom out first. This includes a discussion of which areas are still seeing significant price falls and which are seeing little change. Ultimately this will help you make a decision about whether (and where) to invest over the next year or two.

In this episode, we are joined by Ilse Wolfe from Opes Accelerate to discuss what property investors need to know about investing in student housing. We deep dive into the Dunedin market and look at where student housing is most in demand, the types of properties that suit student housing, and the returns investors can get when investing in these types of properties. Ultimately this will help you understand whether investing in student housing is the right fit for you.

In this episode, we discuss the concept of 'negative equity'. This includes what it is, who is most likely to fall into having negative equity, and how to get yourself out. We also discuss how being in (or close) to negative equity can put property investors into 'Mortgage Prison'. This is where you struggle to switch banks because your property's value has decreased. This can mean you struggle to get a better interest rate.

In this episode, we discuss the secret language of real estate agents; this includes the euphemisms they use when advertising properties. We go through words like 'cosy', 'motivated seller', 'shabby chic' and 'renovator's dream'. This shows you what to look for when searching for properties online.

In this episode, we are joined by a listener of the show – Eliot – who shares how he started investing in property and how he has now started flipping properties. He also shares how he found a business partner to start flipping with, how he renovated his first property during the pandemic, and the next steps he'll take in his renovation and property investment journey. If you want to come on the show and share your story, email ed@opespartners.co.nz.

In this episode, we compare the strategies that work when investing in property in Australia and the New Zealand market. This comes after a listener of the show asked why some property experts in Australia recommend against investing in New Build properties. Whereas others in New Zealand favour investing in New Builds. We compare the different rules in Australia and New Zealand so you can decide how you want to start investing.

In this episode, we discuss what Kiwis need to know if they move to Australia. This includes what to do with your New Zealand properties and the different options you have. This includes a discussion on how to grow your NZ property investment portfolio before you move across the ditch and how to hang on to your properties in NZ.

In this episode, we discuss the dirty secrets of property spruikers. These businesses (primarily based in Australia) sell you bad property investment deals. We share their underhanded tactics to get people to invest and what's wrong with some of their deals. This includes businesses selling properties for more money than they are worth and even mortgage and bank fraud (on the part of the spruikers). Ultimately this episode will help you spot a property spruiker to avoid their high commissions and trickery.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How To Get The Bank To Say Yes ... Two Case Studies on Increasing Serviceability' with Ilse Wolfe from Opes Accelerate.

In this episode, we discuss a hidden tax that most Kiwis don't think about when buying a house with their parents. We all know about the Bright Line Test. That's New Zealand's version of a capital tax gains tax. And most of us also know it doesn't apply to the family home. But, if your parents buy your house with you, they could have to pay tax if you sell your property within the bright line. This is a tax most Kiwis won't be thinking about. But with mortgage brokers reporting that up to 50% of first home buyers get help from the Bank of Mum and Dad ... this is a tax you need to know about.

In this episode, we discuss whether it is harder to insure properties in Christchurch compared to the rest of the country. We go through the data to show which parts of the country are most likely to be hit by an earthquake and also look at how much insurance costs around the country. Ultimately this will let you make an informed decision about where to invest, and you'll also understand how much your house insurance could cost.

In this episode, we share a case study of a listener of the show who regrets paying down debt. We share how they sold a property and paid down their personal mortgage. This investor wanted to re-borrow against his home to purchase an investment property. But he decided to wait because it wasn't the right time to buy. When the investor was ready to grow his investment portfolio, his house value had dropped. That meant he couldn't get the money from the bank for the deposit. Ultimately he found himself saying, "I wish I hadn't paid down debt."

In this episode, we are joined by property investor and financial adviser Stevie Waring to discuss a case study of a couple who increased their income so they could start investing in property. This couple had a lot of bubblegum debt. That's credit cards, personal loans and car loans. This debt was holding them back from investing in property. So they increased their incomes by a whopping $52,000 so they could invest in property. This is the story of how they did it.

In this episode, we discuss the emotional rollercoaster of purchasing an investment property. As much as we all say "focus on the figures," … the truth is that feelings come into buying an investment property too. So in this episode, you'll learn all the emotions you'll face when you purchase an investment property. You'll also learn how to manage these emotions and the tactics you can use to get your head back in the game.

In this episode, we discuss whether Tauranga is a good place to invest (or not). We look at how quickly house prices have increased in Tauranga and which parts of Tauranga have seen the fastest capital growth. You'll also get a feel for where Tauranga is in its property cycle. Is it overvalued? Or undervalued? Ultimately, this helps you make an informed decision about whether you want to invest in the Tauranga property market (or not).

In this episode, we discuss what happens if you don't invest in property. This includes a discussion about which Kiwis need to invest and the idea that every New Zealander need a 'stop work plan'. That's a plan for what happens when you want to stop working. You'll find out the types of people who don't tend to invest and what life looks like if you just live on the NZ Superannuation.

In this episode, we discuss 'Split Banking'. This is a mortgage strategy where investors use multiple banks rather than just one. This strategy will help some investors grow their portfolios faster and protect their assets when they begin to sell down. We take you through both the pros and cons of this strategy so you can decide for yourself whether this is the right strategy for you.

In this episode, we are joined by Ilse Wolfe, a property investor who shares her renovation horror stories. This includes times when tenants have destroyed her properties and other times when renovation projects have become more time-consuming and expensive (through no fault of the property investor). Ultimately this will help you understand the problems that can happen when you renovate. And through this, you'll learn to avoid some of the common mistakes so that you can be a more successful property investor.

In this episode, we discuss the 5 factors that most impact the cashflow of your investment property. This includes the interest rate, the mortgage type, the cash deposit, the property's tax situation, and the property's yield. Together this will give you a sense of how your property's cashflow could change based on how you set it up. You can also watch the video version of this podcast by heading to the Opes Partners Youtube channel. Just Google 'Opes Partners YouTube', and you'll see it come up.

In this episode, we discuss how much money investors who work with Opes Partners have made. Over the years, many investors have asked whether we can share these numbers. Although we often don't like talking about ourselves, we've made an exception here since so many investors have asked the question. This includes comparing how much money the investors have made compared to the rest of the market. This helps you understand how to tell whether someone is good at picking potential investment properties.

In this episode, we discuss how to spot the difference between a progressive payment and turnkey property. This is important for investors to know since progressive payment contracts come with hidden costs. However, telling the difference can be hard since developers will sometimes advertise their properties as 'turnkey' when they're not. This episode will help you tell the difference and find out what to look for when finding properties online.

In this episode, we discuss whether property investors, first-home buyers and homeowners need to use a mortgage broker. This includes discussing who will get value from using a mortgage broker … and who will get less value. We also discuss situations where Kiwis should not use a mortgage broker. Ultimately, this will help you decide whether a mortgage broker is the right fit for you and your financial situation.

In this episode, we do a live experiment to see if (and how) you can use ChatGPT and artificial intelligence to invest in property. We go through 4 different use cases and then decide whether the experiment was an epic win … or an epic fail. This includes: seeing whether property investors can use ChatGPT to create a target list of properties, whether it can analyse a property market, and if artificial intelligence can automate creating letters for your tenants. Ultimately this will help you understand how artificial intelligence could make being a property investor a bit easier.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'From Zero to 100k Building Passive Income Through Property' and how to start running the race with your own property portfolio.

In this episode, we rank the banks. This includes talking about 5 of the major banks in New Zealand (ANZ, BNZ, ASB, Westpac and TSB). We rank them in order of which banks are most willing to lend money based on their income criteria. For this, we are joined by two mortgage advisers – Peter Norris and April Hastilow, both from Catalyst Financial. Of course, this episode is based on the experience of the two brokers (and they don't always agree). And just because one bank might provide the "easiest" yes for one person doesn't mean it will be the same for another. Similarly, even if a bank has stricter lending criteria, it could still be the right fit for you. This episode aims to help you become a more informed investor, so you can appreciate that not all banks are the same.

In this epsiode, we discuss the New Build properties that Kiwis should stay away from. This includes what to look out for when you are searching for a New Build property on TradeMe. The main ones to look out for are: staying away from 1-bed properties and studios, staying away from expensive brand-name developers, watching out for leasehold properties, and also whether the property is turnkey or a progressive payments build. Ultimately this allows you to go into property investment with your eyes wide open, able to make a good investment decision.

In this episode, we discuss whether Dunedin is a good place to invest (right now). This includes a deep dive into the latest data for this student city, and a discussion about which parts of Dunedin could be good for investing. Of course, Dunedin has a lot of young students, which presents its own set of risks. So we talk through how you can handle some of those risks. Ultimately, this will help you decide whether investing in Dunedin is the right fit for you and your portfolio (or not).

In this episode, we compare progressive payments vs turnkey properties. We go through TradeMe to look at the hidden costs of purchasing a progressive payments build and how Kiwi property investors can tell the difference. This analysis shows that a 'seemingly' cheaper property can be more expensive simply because of the hidden costs not disclosed on TradeMe. Ultimately this helps you become a better property investor because you'll know what to look for when evaluating an investment property.

In this episode, we discuss the Reserve Bank's most recent increase in the OCR and how this will impact mortgage interest rates. We analyse the Reserve Bank's press conference and examine how house prices might change based on the bank's analysis. This provides clues about where the OCR may go and how it could impact your property investment strategy.

In this episode, we discuss how couples can get on the same page when it comes to property investment. No, that doesn't mean that one partner convinces the other that they should invest in property ... it's about deciding whether property investment is the right fit for you and your relationship. We go through why couples get into conflict when it comes to property and the 4 ways you can get on the same page. Ultimately this allows you to move forward together as a couple.

In this episode, we discuss how one leaky homeowner won over half a million dollars from her former building inspector. This homeowner thought she was doing the right thing. She was given a building report from the real estate agent and even called the building inspector to make sure the home wasn't leaky. When she moved in, she quickly realised ... it was. She took the building inspector to court and won! The most interesting part – she wasn't even the building inspector's client. She didn't pay them a cent. This is a fascinating case study as it turns some of our traditional advice on its head. This is a must-listen for first-home buyers, homeowners and property investors. Through this, you'll learn whether you need to hire a building inspection company (or whether you can now rely on one given by a real estate agent). You'll also learn what you need to look out for when buying existing properties.

In this episode, you'll hear from Ilse Wolfe, a property investor and coach from Opes Accelerate. Here, you'll learn how to build a power team for your property investment journey. This includes who you need in your team when you follow a renovation strategy, how to use them and what they cost. This includes how to work with builders, plumbers, electricians, plasterers and valuers. You can then use this information to plan your next renovations-based property investment project. Key topics: BRRRR, Power Team

In this episode, you'll learn the 5 things that investing in property could stop you from doing. If you borrow hundreds of thousands of dollars to purchase an investment property, the bank might not let you borrow money for other things. This could mean that investing in property stops you from upgrading or renovating your own home. Or it could stop you from borrowing for a new car, a holiday home or buying a business. This episode is to help you fully understand the choice you make when purchasing an investment property so you can make sure it is the right fit for you. Key topics: property investment, borrowing

In this episode, you'll learn the 3 main costs of investing in property. These include 1) the purchase price, 2) the cashflow of the property and 3) the set-up costs. You'll learn how a standard new build property typically costs between $550k – $1.1 million. However, the rent of this property won't cover all of the costs to own it. That's why investors need to top up their properties by $300 - $500 a week. On top of that, there are set-up costs, which investors typically need to pay $4k - $7k. Ultimately this will let you know how much you need to pay in order to buy and own an investment property. Key topics: cost to invest, set up costs, cashflow

In this episode, you'll hear a case study of an investor who owns 3 rental properties ... despite the fact that she's single. While this investor was doing well, her properties were losing about $770 a week due to interest deductibility tax changes. You'll hear how she plans to restructure her portfolio to turn things around. The strategies we discuss are: selling a property, using an interest-only mortgage, and buying a property with better cashflow. Want to forecast the cashflow of your investment property? Download a copy of the ⁠Opes Partners Return on investment spreadsheet⁠ for free. Key topics: interest deductibility, case study

In this episode, you'll uncover the truth about dual-income houses. You'll learn both the pros and the cons, so you can decide whether they are the right fit for you. This includes how dual-income houses have higher rental yields and lower risk of vacancy. But you'll also hear the flip side. This includes the higher purchase price, the possibility of lower capital growth, and the unique challenges of reselling such properties. You'll also explore who these properties are a good fit for. This includes the different scenarios dual-income houses can be used in, like multi-generational living and Airbnb rental opportunities. By the end, you'll be able to make an informed decision about whether dual-income properties are the right fit for you. Key topics: dual key apartments, dual income properties, high yield properties

In this epsiode, you'll hear a compelling case study about how a tenant contested a heft $ 100-a-week rent increase. This case ended up at the Tenancy Tribunal. Get the full scoop on both the tenant and landlord's arguments, the backstory, and the Tribunal's ruling. You'll also learn what you need to know when increasing the rent on your investment properties. That way, you'll better understand the dynamics of the property market, rental laws, and maintaining a good relationship with your tenants. Key topics: rent increases, increasing rent, tenancy tribunal, case study

In this episode, we discuss the most recent budget released by the government. We talk about the new 39% tax rate for trusts and what this means for property investors. This includes a run-down on whether trusts still make sense. You'll also learn whether you should use a look-through company instead. The epsiode also goes through why the taxes won't harm high-income trusts. Instead, loss-making trusts are the ones who will feel the brunt of the tax change. Many investors will raise an eye brow when they hear how the new tax works with interest deductibility. Together the two rules will harm some property investors.

In this episode, we discuss how the cash deposit you put into a property impacts its cashflow. You'll hear the numbers, including how much cash you'd need to put into a property to make it cashflow neutral. And how the yield of the property impacts this. This gives you a sense of whether you should put a cash deposit into a property or not.

In this episode, we are joined by Kirstie Winter from Good Title to discuss how you can cash in on converting your cross-lease property. This includes why cross-leases exist, how much it costs to convert a cross-lease property to freehold, and how much your property could increase in value after the conversion is complete. We also let you in on who typically pays for the conversion (is it you and your neighbour, or just you?) Ultimately, this is to let you know the pros and cons of converting your property, the process and what it involves. That way, you can decide whether it is the right fit for you (or not).

In this episode, we discuss whether we are at the bottom of the market and the 6 graphs that you need to see if you're wanting to understand the New Zealand housing market. This is based on a recent episode we did with economist Tony Alexander, where Tony shared which data (and graphs) you need to look at to build your own property investment analysis. We share these graphs and show you exactly where to get the data from (for free).

In this episode, we discuss the bright line test and 2 investors who would accidentally have to pay about $66k in tax. This includes some of the more technical aspects of the bright line, including how the IRD treats subdivisions, flipping your family home and selling a holiday home. Ultimately, this helps you better understand how much tax you might have to pay when buying and selling properties.

In this episode, we discuss some of the new build lending secrets that property investors have to know. This includes the key risks that you need to avoid (or manage) as a property investor … and what the banks are offering you. We discuss why you might need to pay a valuer for a completion certificate ... and why you must know about pre-allocated titles. While seemingly technical and boring, these could save you hundreds of thousands of dollars if used right.

In this episode, we discuss whether billionaires really do pay less tax than the rest of us. This comes from a recent report from the IRD that suggested that the average high-net-worth individual pays less than 9% in tax. Whereas a person earning $80,000 would pay 22% in income tax. We discuss how the IRD came to this conclusion and whether their conclusions are sound. Ultimately, this helps you better understand and interpret the media headlines.

In this episode, we are again joined by Tony Alexander, an independent economist, to discuss how to create your own DIY property market analysis. Of course, if you want to get to grips with the property market, you can read commentary from the likes of Tony. But, what if you want to explore the data yourself? That's where you can use these tips (and free data) to dig into the details and understand what's happening in property.

In this episode, we are joined by independent economist Tony Alexander to discuss what he thinks will happen to interest rates over the next year (and beyond). This includes a prediction that longer-term rates have already peaked and are currently on their way down. He also suggests that the 1-year rate is at (or very near) its peak and will likely be around 6.25% by the same time next year before dropping back to about 5.25% the year following. This depends on what happens to inflation and the Reserve Bank's actions.

In this episode, we are joined by independent economist Tony Alexander to discuss what he thinks will happen to house prices over the next few years. This includes his prediction that house prices will bottom out in Winter (somewhere between June and August). He talks us through how quickly the house price recovery could happen and the factors that could impact house prices. Ultimately this lets you make an informed decision (as a property investor) about whether now is the right time to invest (or not).

In this episode, we discuss what property investors need to know about borrowing against a property they own with other people. This specifically includes a discussion about how to borrow against a property that has been inherited in conjunction with other members of your family. We go through the pros, cons and technicalities of borrowing against a shared property and what permission you need to get from your fellow co-owners. You'll also learn what steps you can potentially take to free up equity against a co-owned property.

In this episode, we discuss whether property investors should consider buying a rental property in a 'dodgy' area. This includes a discussion of what a 'dodgy' area is and both the pros and cons of investing in one of these areas. We also mention which suburbs might have attractive opportunities and which ones we would steer away from. Ultimately this lets you make an informed decision about whether to invest in an area that some might be considered 'dodgy'.

In this episode, we discuss the new Medium Density Residential Standards (MDRS). These are a set of new rules that make it easier for property investors to develop their land. The new rules allow investors and homeowners to build up to 3 units on any piece of land (as long as you meet the standards). But are the rules as simple as they seem? And what are the opportunities and fishhooks to look out for? Hamish and Reuben Frizzel join us from Survus Landsurveyors for this. Just a note, we don't have sponsored guests on the show ... and we don't charge expert guests to come on the show. We only bring people on as guests if we think they'll teach you something new to help you become a better property investor.

In this episode, we discuss when a car loan may actually be a good idea. On the show, we often rail against car loans, calling them bubblegum debt and suggesting that they're not a good idea. Here, we argue the opposite and share some situations where car loans could actually help investors grow a portfolio. Ultimately, this helps you get a sense of whether a car loan may actually help you become a property investor sooner.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'The 8 new rules of property investment' and what they mean for property investors and first home buyers. We also unveil the latest research tools on our website: the Data Hub.

In this episode, we rank the top 8 new rules that have been introduced to the property market over the last 5 years. These include debt-to-income ratios, loan-to-value-ratio restrictions, interest deductibility and 5 more changes. We let you know which ones are the most important and the impact they have had on the property market. You'll also hear how you can adapt your property investment strategy to keep growing your portfolio. Ultimately, this helps you become a more successful property investor.

In this episode, we discuss how Ed rented his property in 7 days. This includes which property he bought, what it rented for, and how it rented so quickly. You can then use the same tactics to get your properties rented as quickly as possible. This includes: renting your property 1-week before settlement, using clear photos, presenting the property as it is (i.e. not with furniture if there's no furniture) and making it easy for tenants to get in contact.

In this episode, we discuss the new LVR rules that have just been announced by the Reserve Bank. These changes make it easier for some owner-occupiers to borrow with a lower deposit. But, the big change is that investors purchasing existing properties will soon be allowed to purchase with a 35% deposit rather than a 40% deposit. While that change sounds small, the outcome is impactful. We go through an example of how some investors can borrow an extra $214k after the changes have been announced.

In this episode, we are joined by property investor Ilse Wolfe. Here, she shares the situations where you might need to fire your tradie. She walks us through a case study of where she's had to fire a tradie and where she's decided to bite the bullet and keep them on. Ultimately this helps you become a more successful property investor by showing when and how to fire a tradie so your renovation project stays on track.

In this episode, we discuss how you can make money by using a subdivision strategy. This includes how much your property might go up in value by when you subdivide and how much subdivision can cost. Ultimately, this allows property investors to understand whether subdivision might be the right strategy for them. Hamish and Reuben Frizzel join us from Survus Landsurveyors for this. Just a note, we don't have sponsored guests on the show ... and we don't charge expert guests to come on the show. We only bring people on as guests if we think they'll teach you something new to help you become a better property investor.

In this episode, we discuss the 4 most common problems with real estate agents and how to fix them. According to polling data from Roy Morgan, only 5% of Australians consider real estate agents to have "very high" or "high" ethics and honesty. This makes real estate agents one of the least trusted professions. While there isn't similar data available in New Zealand, it's probably fair to assume that the numbers would be similar in New Zealand. So if Kiwis don't trust real estate agents, what are the reasons why? What are the problems Kiwis run into when using a real estate agent? And how do they fix them? That's what this episode is about. For this, we are joined by Micky Limmer, a real estate agent from Opes Property.

In this episode, we discuss what property investors and first home buyers should do if they buy a new build property … and then the developer shuts their company down (liquidates). This is because often after a developer is finished building a project, they will put the company into liquidation. However, this leaves investors thinking, "what happens if there are defects with my new build investment property?" You'll learn who you sue and, ultimately, how to make sure that your new build is put right (if there is a defect).

In this episode, we discuss what our fathers (and mothers) taught us about money and property and what they got wrong. Our parents shape many of our thoughts, attitudes and beliefs about money. Some of the lessons they teach us will be spot on and help us for the rest of our lives. Some of the things we learn can hold us back. Through this, you should consider what your own parents taught you about money and how they've shaped your thoughts about property. Chances are some of the lessons you learned will help you. Though some may also be holding you back.

In this episode, we discuss the 5 largest tenancy tribunal cases in the last 5 years. Collectively these 5 landlords were fined $284,000. You'll learn why these investors had to pay their tenants so much money and the mistakes you can avoid so you don't have to pay such hefty fines. Ultimately, this will help you become a better property investor by showing you what not to do as a property investor.

In this episode, we discuss whether the war on inflation is over. Economists were shocked when Statistics NZ recently released data showing that the rate of inflation has fallen to 6.7%, down from 7.2%. We go through the numbers to show the impact on interest rates and what it all means for property investors, homeowners and mortgage borrowers. We also talk about why the number might not be as good as it first seems – and go through the differences between tradeable (imported) and non-tradable (domestic) inflation.

In this episode, we discuss whether the mortgage strategy 'channelling' actually can shave 20 years off your mortgage. Recently we've seen more and more mortgage brokers talking about how to pay off your mortgage more quickly … and promoting jaw-dropping results. Paying off your mortgage more quickly is a good idea ... but can it really be done without making extra repayments? That's what some mortgage brokers claim. We delve into the data and the spreadsheets to put the claims to the test. Ultimately this will help you become a better property investor and have a better understanding of the strategies that actually help you become mortgage-free sooner. Additionally, use this mortgage calculator to find out what your repayments will be.

In this episode, we discuss the 4 rookie mistakes investors make when negotiating with a real estate agent. This will help you when you are trying to beat the real estate agent on price and get the best deal on an investment property. Ultimately, this will put you in a position of power, so you can be a successful property investor (or first home buyer). For this discussion, we are joined by Micky Limmer, a real estate agent from Opes Property.

In this episode, we discuss the Sell 1 to Buy 2 Strategy. This is where, in some cases, property investors can sell a property from their portfolio … and then purchase 2. This is like taking a step back to take 2 steps forward. We go through which property investors can use this strategy and why and how this strategy works. Ultimately, this will help you make an informed decision about whether you need to sell a property from your portfolio.

In this epsiode, we discuss the First Home Partner programme. This is a government programme that allows first-home buyers to purchase a property with just a 5% deposit. We discuss who is eligible for the programme and also how you practically apply and use it. This lets first-home buyers get a sense of whether this could be the way to get their first house.

In this episode, we discuss whether more builders and developers are about to go bankrupt. This is based on the recent case of Scarbro, a builder located in Auckland. The company recently folded, and some property investors are wondering whether more developers are likely to fold in the future. We discuss the risk of 'contagion' and whether this could cause flow-on effects for other developers.

In this episode, we discuss how property investors can get their mortgages approved fast. This includes a case study where an investor got their mortgage approved in just 3 days. The key to getting your mortgage approved quickly is by having all of your documents ready to go so that you (the borrower) aren't holding the bank up. While this might sound simple, it's a powerful way to get ahead and speed up your property investment journey. Want to check what your mortgage repayments will be? Check out our mortgage calculator here.

In this episode, we discuss Section 42 of the Residential Tenancies Act, which now allows tenants to make 'minor changes' to the properties they're renting. We discuss what changes tenants can make and what counts as a 'minor change', and what landlords can say no to. We also walk through case studies where tenants have undertaken renovations ... and whether they were legal or not.

In this episode, we discuss a case study of two investors who have a negatively geared portfolio that is losing $320k a year in cash flow. While the investors have a sizeable portfolio, the new tax rules and high-interest rates mean that the properties are in the red. We talk through what these investors can do to improve the cash flow of their portfolio and what they'll do to get their property portfolio right for the long term.

In this episode, we discuss how property investors can choose the right builder for their renovation project. To walk us through what to do, we are joined by property investor Ilse Wolfe. Here, Ilse shares what to look for, what questions to ask and how to create a short list of builders to look at. Ultimately, this will help you find the right builder for your project in any market.

In this episode, we discuss the top Kiwi property investment shows and series that teaches you about property investment and how to buy your first home. These include shows produced by CoreLogic, Steve Goodey, Tony Alexander, Property Couch and Michael Yardney. Ultimately this allows people to continue learning about property investment ... even if you don't feel like paying for it.

In this episode, we discuss whether property investment seminars offer mind-blowing value or whether they are just hot air. This includes the pros and cons of these seminars, what they cost, and whether you can just get the same information online for free. The seminars discussed include those produced by Tama Singh, Michael Burge, and those produced by Kenyon Clarke and Steve Goodey.

In this episode, we go through three case studies of investors who were turned down by the bank but who have purchased properties anyway. We go through which non-bank lenders each investor used and what would have gone wrong if they couldn't get the money to settle the properties they were already committed to buying. Ultimately this well help investors purchasing new builds and existing properties to renovate.

In this episode, we discuss the worst building materials in history. This is so first-home buyers, homeowners and property investors can know what to look out for when going to open homes and inspecting potential property purchases. These materials include dux quest piping, weatherside cladding, asbestos, lead-based paint and monolithic cladding. We also go through what can go wrong if you buy a property that has some of these building materials used on or within the property.

In this episode, we discuss the debt-to-income ratios (DTIs) that have recently been introduced by the Reserve Bank. We discuss how the Reserve Bank has granted itself the power to bring in debt-to-income ratios at any time and the timeframe and circumstances for when and how they could be introduced. We go through what this means for lending policy and what this could mean for the future of capital growth.

In this episode, we discuss a case study where an investor had their "suburb swapped" by the local council. We discuss how this happened and what it means both for the rent and the future value of the property. Ultimately this will be beneficial for all investors, home buyers and first-home buyers who purchase properties on the border of two suburbs.

In this episode, we discuss whether interest rates will increase after the Reserve Bank's most recent OCR announcement. Andrew and Ed walk through what the Reserve Bank announced in their latest press releases and what's happening with wholesale interest rates. Ultimately property investors can use this information to decide how long to fix their interest rate for. We also mention Andrew's weekly newsletter Private Property which you can sign up for by clicking the link.

In this episode, we discuss the 9 things that could go wrong with your new build investment property – specifically while it's under construction. You'll also learn how to fix any issues as they arise. The potential problems include: 1) what if the property drops in value during construction, 2) if the expenses on the property change, 3) if the bank won't lend you the money once the property is built, And 6 other potential issues.

In this episode, we discuss whether first-home buyers should bite the bullet and purchase a property if they plan to move overseas within the next couple of years. This is based on a question asked by Ravi – an attendee at one of our recent first-home buyer events. We walk first-home buyers through what they need to think about, including: 1) whether they will actually move overseas, 2) what your living situation will be if you move, 3) whether you'll want to come back to New Zealand, and 4) what you think the market will do over before you move overseas?

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'The 2 to 5 property leap- How to grow your property investment portfolio' where we looked at strategies to grow your property portfolio.

In this episode, we discuss the do's and don'ts of open homes. This includes what to look for and what not to say. We give you tips on what to ask your real estate agent so you can negotiate hard and also why you don't need to worry too much about how the property is built. Ultimately this episode will help first-home buyers, movers and property investors know what to do at an open home.

In this episode, we are joined by Ilse Wolfe to discuss the 6 most common renovation ideas that property investors have in New Zealand … and whether they actually make you any money. We've specifically chosen renovation ideas that are not already included within the Cashflow Hacking process since we already frequently talk about these. The ideas discussed include adding a deck to a property, double glazing the windows, landscaping, painting the exterior of the house and adding solar panels. We also mention that if you want to get coached by Ilse on your renovation projects ... check out the Opes Accelerate Coaching programme.

In this episode, we discuss whether property investors should wait 6 months before they start investing in property. We go through the cost of waiting 6 months to buy a property and how much property prices tend to change over any given 6-month period. This helps us understand how property prices might change over time and gives you a sense of whether you should wait 6 months to invest (or not).

In this episode, we discuss a case study with Andrew Nicol about when property investors should use interest-only mortgages. Andrew shares how a pair of investors he's been working with was a bit confused about whether they should use a principal and interest or interest-only mortgage. Andrew shares what they decided to go for and the three key reasons why. Ultimately this allows you, as a property investor, to decide which sort of mortgage you should use. Want to find out what your mortgage repayments will be on an interest-only mortgage? Use our interest-only mortgage calculator here.

In this episode, we discuss 3 different property investment nightmares and how to fix them. These case studies come from real posts on the Property Investors Chat Group, a popular New Zealand Facebook group. This is to show you not only what can go wrong in property investment ... but also how to avoid these bad things happening in the first place. We also mention that the new Opes Partners website has just gone live. Click the link to check it out.

In this episode, we go through a list of the top 8 property lawyers in New Zealand. This includes property lawyers across Auckland, Wellington and Christchurch. This gives property investors a range of lawyers they could potentially use when investing in property. We also share the number of deals we've worked on with each lawyer so you have the confidence that these recommendations are based on experience.

In this episode, we discuss how investors can choose properties that work as short-term rentals on Airbnb and other platforms. We talk through how to choose the right area to invest in and then how to analyse the area using AirDNA. Ultimately this teaches property investors what numbers to look for when considering investment properties for the short-term rental market.

In this episode, we discuss whether property investors should choose to purchase from a big or small developer when buying a new build property. This includes the pros and cons of both options so investors can decide which is the best option for them.

In this episode, we follow up on yesterday's episode and share the 5 reasons why property prices won't turn around in 2023. This includes the risk of persistent and ongoing inflation, house prices that some consider still too high, and incoming taxes that impact property investors. Ultimately this property market update allows investors to make an informed decision about when to purchase their next investment.

In this episode, we discuss the 6 reasons that property prices could turn around in 2023. These reasons include positive net migration, improving house-price-to-income ratios, rising wages, a tight labour market and improving house price momentum. This allows property investors to consider when they should make their next investment. This episode effectively doubles as a property market update. To keep things balanced, in tomorrow's episode, we'll talk through the 5 reasons why property prices won't turn around in 2023.

In this episode, we are joined by Derry Brown – a property investor and financial adviser. Here we discuss a case study of some of the investors Derry has been working with. He shares how this couple plans to build a passive income of $140k over the next 20 years. And we also mention our My Wealth Plan software which is absolutely free to use and find out how much of a wealth gap you have.

In this episode, we review Liberty Finance and the lending products they offer for renovations-focused investors. We go through the types of loans the non-bank lender offers and how they can be used by investors to keep investing even when the main banks say no. This includes discussing situations where Liberty will lend to investors with as little as a 20% deposit. This lets property investors begin their property journey with less money.

In this episode, we discuss whether Du Val – an Auckland-based property developer – will go broke in the near future. We detail the warnings the Financial Markets Authority has sounded about the developer's mortgage funds. We also discuss the recent news that a Du Val-related entity has gone into a court-ordered liquidation. Finally we discuss how long their properties are taking to be built, and how that could impact the cash flow for the business. We also mention our: YouTube review on Du Val properties Article review on Du Val properties

In this episode, we discuss the finer details of borrowing money to invest through a look-through company. When an investor decides to purchase a property through a look-through company (or a trust) they will often need to sign a personal guarantee. This means that if the investor stops paying the mortgage, they are on the hook for the money they owe (rather than the trust of the look-through company. We go through what this means and the different options property investors have to protect themselves.

In this episode, we discuss how an investor can continue borrowing money on interest-only for as long as possible. This is based on the story of a Queenstown-based investor who messaged into the show and is struggling to get her mortgages approved for interest-only. This is causing stress for her household budget as all her mortgages are currently on principal and interest.

In this episode, we discuss how to read a property management statement. We go through real examples of property management statements, picking up on any anomalies within the statements. Ultimtaely this will help property investors get a sense of what money comes in and goes out when working with a property manager.

In this episode, we discuss a set of financial projections that have been prepared and marketed by Williams Corporation. We go through the numbers presented in these cashflows and unpack whether they are robust (or not). This includes looking at whether all the correct expenses have been included, whether the rent is correct ... and even whether the purchase price is correct. All of this is so property investors can understand the hidden risks of accepting a developer provided cashflow.

In this episode, we are joined by Simran (Sim) Kaur from Girls That Invest to discuss how she became a millionaire at 26. We walk through her property investment journey and talk about the first home she purchased in Hamilton, and how she's renovated the property. We also discuss her next moves in property and how she splits her investing between shares and real estate.

In this episode, we discuss a recent column written by Mary Holm for the New Zealand Herald. This column discusses whether a potential property investor in Auckland should buy an investment property (or not). We go through Mary's column line by line to show whether we agree with her advice or not. Ultimately this is to show the differences between New Zealand financial commentators, including their points of agreement and disagreement. We also mention that you can read Opes Partners Disclosure statement, which goes through the important information about how Opes Partners operates.

In this episode, we are joined by property investor, Ilse Wolfe from Opes Accelerate⁠, to discuss how much a renvoation costs for an investment property. We walk through each of the Cashflow Hacking steps going through exactly what each step costs. Ilse shares that the average renovation typically costs between $60 - $80k, and that the sweet spot is usually $65k. However, this depends on the value of the property and a number of other factors.

In this episode, we discuss what property investors and landlords should do if their tenants don't pay rent. This includes the practical steps to take (such as contacting your tenants) and the specific legal steps you need to take. This is useful for property investors ... even if you use a property manager. This is because you need to understand the steps that your property manager will take to get the rent paid and anything they can do to remedy the situation.

In this episode, we discuss a recent Tenancy Tribunal case where the adjudicator determined that the property investor had set the rent too high. We go through the tenant's response and how that decision to increase the rent impacted the landlord/tenant relationship. We also discuss what the tribunal's decision really means for property investors and whether there is a limit to how much a property investor can increase the rent for their tenants.

In this episode, we discuss the different types of insurance that property investors need. Rather than cover the standard insurance like house insurance and landlord's insurance, we dig into life insurance, income protection insurance and mortgage protection insurance. We go through the instances when these types of insurance would be useful to a property investor, and the point when a property investor could comfortably cancel these policies. Ultimately this helps property investors understand the types of insurance policies they might need (and the ones that they don't). We also mention that we are holding a First Home buyers seminar in Christchurch and a First Home buyers seminar in Auckland. It's free, click the link to register.

In this episode, we discuss whether property investors should consider investing in the West Coast, a small region in the South Island. We go through the reasons why property investors have historically been interested in the West Coast – namely the cheap property prices and the relatively high rental yields. However, we go through some of the reasons that should give investors pause, such as – the declining population, the derelict state of some of the houses in the region, and the relatively low population of tenants. Ultimately, this balanced view is so you can make up your own mind about whether investing in the West Coast is the right fit for you or not.

In this episode, we discuss a case study of a couple from Blenheim who has created a plan to build a $120,000 passive income. Andrew walks us through the story of how Aaron and Natasha were both 57 when they first met Andrew. At the time they had already paid off their own home. They'd also put a sizeable cash deposit down on an invetment porperty that was currently under costruction. Andrew walks us through how the couple has purchased other investment properties since then and how they are currently on track for that $120k passive income.

In this episode, we are joined by Carl Comber from Comber and Comber to talk about how to stage your property the right way. Carl, also walks us through case studies of where homeowners have been able to sell their properties more quickly and for money after staging their properties. This Stuff article also gets a mention, which discusses whether staging is a con, or a can't miss.

In this episode, we discuss the difference between good debt and bad debt.  This includes a discussion about the types of debts that will hold you back from growing your wealth – credit card debt, personal loans, car loans and AfterPays. Whereas, we define good debt as the sort of borrowing that will drive your wealth creation forward. For instance, student loans, loans that allow you to buy investment properties and business borrowing. 

In this episode, we discuss how some property investors need to be more realistic when considering what they'll do in property investment.  We specifically talk through some situations that would be realistic and some other scenarios that would not be realistic for a property investor to attempt at the early stages. 

In this special bonus episode, you'll hear the audio from the recent Opes Accelerate webinar where we were Ilse and Dani looked at the ways that two Kiwi couples have cashflow hacked their property portfolios and and have made $100,000 through renovating their rental properties, how they did it, and where they are on their property journeys.

In this episode, we discuss how much money Kiwis need to invest in property based on a range of situations.  For this, we use the Investment Ready spreadsheet and run several case studies to give you a sense of how much income each property investor would need to purchase their next investment. We also mention our upcoming First Home buyers seminar in Christchurch and the First Home buyers seminar in Auckland. It's free, click the link to register.

In this episode, we discuss the difference between Growth and Yield properties.  This includes how you as a property investor can tell the difference between the two types of properties and the reason why each type of property has its own unique characteristics.  For instance, why do growth properties increase in value faster but have a lower rental yield?  And, why do yield properties increase in value more slowly, but have a stronger rental yield?  We also mention that we are holding a First Home buyers seminar in Christchurch and a First Home buyers seminar in Auckland. It's free, click the link to register.

In this episode, we go through TradeMe listings to discuss the sort of properties you should buy, as a property investor, and which ones you should stay away from.  We specifically focus on New Build investments in Christchurch and Auckland, since that's what we have the most experience in, here at Opes Partners.  Ultimately, property investors can use the information in this episode, when they are searching for properties online. 

In this episode, we are joined by financial adviser, Stevie Waring, to discuss a case study of a professional rugby player, who is looking to build a property portfolio.  We go through the unique challenges of being a professional athlete, especially around how they will often be on a high income initially and then their income will often drop once they retire from their chosen sport.  This provides a short window where they can set themselves up financially while they are active in the game.

In this episode, we discuss the Reserve Bank's most recent increase in the OCR and how this will impact mortgage interest rates.  We go through our mortgage interest rate predictions and walk through the comments made by the Reserve Bank Governor and senior Reserve Bank staff at their most recent press conference.  This is to help property investors get a sense of how high interest rates will go in the next couple of years. 

In this episode, we discuss how Kiwi property investors can self-manage their investment properties.  To be clear, this is NOT something we generally recommend on this podcast. But, because some people are dead-set on managing their own rentals – this episode gives a step-by-step guide for how to do it anyway.  This includes getting the right property management software in place, how to do background and credit checks on your tenants, and how to do your inspections. We also mention that you can get a MyRent software demo here and MyRent background check demo here.

In this episode, we are joined by property investor, Ilse Wolfe from Opes Accelerate to discuss which councils are the fastest and easiest to get building consent from.  This is specifically for renovations-focused investors who are applying the Cashflow Hacking principles.  In our experience, the easiest council to get building consent from is Christchurch City Council, followed by New Plymouth District council. The worst performing council (in our experience) is Auckland Council.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we were joined by 3 real Kiwi couples, who shared their property portfolios and let us look at their numbers, to show how they did it, and where they are on their property journeys. We also mentioned our upcoming First Home seminars in Christchurch on March 29th and Auckland on March 30th if you'd like to attend just click the link to register.

In this episode, we discuss who you should and shouldn't listen to when investing in property. We go through the dangers of lonely listening to your friends and family, and how this well-meaning advice may not always be relevant.  This includes going through case studies and examples of when to listen to friends and family, and when to take it with a grain of salt.  You'll also learn who you should be listening to (and the answer isn't that you should just listen to us).

In this episode, we discuss one of the key dangers that property investors face – analysis paralysis. We talk about what analysis paralysis is and how to overcome it.  We also give case studies and examples of what would be: a) not enough analysis, b) too much analysis, and c) the right amount of analysis. This way property investors can make sure they are balancing making a good decision, with making a decision at all.  We also mention our How to buy your 1st investment property video on our YouTube channel. You can also use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we go through TradeMe rental listings to show the key mistakes property investors are making when renting out their investment properties.  We pull up rental listings that have stuck around and not moved and show you how the marketing of the property (or the property itself) could be improved so that it rents faster.  Ultimately, this means that property investors can avoid these mistakes and rent their properties out more quickly.  We also mention that you can use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we are joined by property investor and financial adviser, Kathy Faulkner to discuss a case study of two property investors she's been working with.  Kathy shows us how these two investors became mortgage-ree before the age of 40, and what they're doing now to build a property investment portfolio for their future.  Ultimately this allows you to get a sense of what you might need to do if you want the same results.

In this episode, we discuss what Opes Partners' strategy is. This includes what properties to buy (and when), how many properties you need to buy, and who this strategy is (and isn't) the right fit for.  This comes from a question from a recent Instagram follower who wanted a high-level overview of the property investment strategy we tend to recommend.

In this episode, we discuss how long it takes to find a tenant in the New Zealand property market. For this, we are joined by Caitlin Blanchfield from Venture Property Management.  Here, she shares the it takes between 1 - 8 weeks to find a tenant depending on the rental market and the quality of the property.  But, on average it should take 4-5 weeks. 

In this episode, we are joined by Caitlin Blanchfield from Venture Property Management to discuss how to find a good tenant.  This includes a discussion of what a 'good' and 'bad' tenant looks like, and how to spot whether a tenant will be good or bad.  Ultimately, this helps property investors get a sense of how to find the right tenant for them. We also mention that you can use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we discuss how First Home Buyers and property investors can find a flatmate to help them pay down their mortgage faster.  This includes the practicalities of how to find a flatmate, what agreements to set up, and what to do with the money you collect.  Ultimately, this helps Kiwis avoid mistakes when getting a flatmate in. We also mention these resources: Portfolio Planning spreadsheet  Tenancy Services Flat/House sharing agreement template  Property Academy podcast episode 1244  which covers the Mortgage Buster strategy. We also mention that you can use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we compare what would happen if an investor held their properties in a trust vs a look-through company, when restructuring their debt.  This is a more advanced show where we go through the details of a rent-vestor who decides to use their investment property to help them buy their own home.  This helps property investors understand the differences between the potential ways of owning a property. We also mention that you can use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we discuss what will happen to the Hawke's Bay property market after Cyclone Gabrielle ravaged parts of the North Island.  For this, we look at what happened to Christchurch property prices and rents after the Canterbury earthquakes.  We specifically point out that in the 5 years after the Christchurch earthquakes, property prices rose by over 80%. At the same time, property prices in regional New Zealand only increased by 20% over the same period.  We then discuss whether the same effects might be seen in Hawke's Bay ... and how property investors can help the region in the recovery. We also mention that you can use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we challenge Andrew to create a passive income plan to help 2 investors earn a $100,000 passive income in 19 years.  In the challenge, he has to understand their situation, test their assumptions and come up with a plan for how they might invest in property.  This gives property investors the chance to see how they might create a Wealth Plan for themselves.  In addition, we mention that you can use our How Much Will I Need in Retirement calculator, to see what your passive income goal might need to be.  We also mention that you can use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we discuss 5 times that Andrew walked away from a developer and chose not to invest with them.  This includes times when the price was too high; when the shareholders of the company appeared dodgy; and other times when the quality of the properties just wasn't up to standard.  This helps property investors avoid making mistakes and investing with the wrong developer.

In this episode, we are once again joined by Lexia Marshall from Hassle Free Airbnb to discuss which properties make the best Airbnbs in Christchurch.  Here, Lexia shares which properties make the most money as Airbnbs, and which properties should never become Airbnbs.  This includes a few dealbreakers that show when a property should never become an Airbnb.

In this episode, we are joined by Lexia Marshall from Hassle Free Airbnb, a large Airbnb manager in Christchurch and wider Canterbury.  Lexia takes us through how much money property investors can make by renting out their properties on Airbnb (or another short-term rental website).  This includes looking at how much more properties rent on Airbnb, the costs to budget for, and the expected cash flow property investors can expect.

In this episode, we discuss the most common property investment terms and explain what they mean (in simple terms).  This is to help new investors and new listeners of the show cut through the jargon jungle so that they can learn about property more easily.  We define terms like equity, useable equity, cashflow, negative gearing, and banking terms, like UMI (uncommitted monthly income). We also mention that you can learn even more property investment terms in the Opes Partners Glossary of Property Investment Terms.

In this episode, we discuss what return on investment (ROI) means in terms of property investment.  This includes what return on investment measures, how to calculate it, and when the measure is useful – and when it's not.  We also discuss how much more money property investors can make when they purchase investments that have a high ROI. And if you want to run the numbers and calculate the return on investment for your property, download the Opes Partners Return on Investment spreadsheet here.

In this episode, we discuss 8 different strategies that property investors can use to handle higher interest rates.  This comes from a listener of the show, who wanted to know how to handle the cash flow when more money goes to the bank to pay interest.  The strategies discussed include: choosing the right interest rate, shopping around for cheaper interest rates, using a bank's cashback, and using a revolving credit, as well as four other strategies.  Ultimately, property investors and homeowners can use these tactics to preserve cash flow. We also mention that you can use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we are joined by property investor, Ilse Wolfe, to discuss two different case studies. In both case studies, the property investors added additional bedrooms to their properties.  However, in the first example, the additional bedroom was added to the current internal floor plan.  In the second case study, the property investors converted a garage into 2 new bedrooms. Ilse takes us through what this costs and the pros and cons of each approach. We also mention that you can learn more about Ilse's Opes Accelerate Coaching Programme by clicking this link.

In this episode, we discuss what happens to new build properties in Auckland that have been damaged by the floods and Cyclone Gabrielle.  Although some properties have been badly damaged through these extreme weather events, most new build properties have not been damaged.  If your property has been damaged, we go through the process of what to do, including getting a build report from your developer and engaging a building inspector before you go unconditional.

In this episode, we discuss how property investors and homeowners can still sell their properties in a slow real estate market.  This includes how to make your property attractive to buyers, how to price your property, and how to present your property for sale.  We also discuss how much you should spend on marketing and where those dollars should be spent. 

In this episode, we discuss the top 3 property investment strategies in New Zealand. This includes Passive Buy and Hold, BRRRR, and flipping.  We go through the pros and cons for each so that you, as a property investor, can choose which is the right strategy for you.  Andrew also gives us an idea of how he has used each of the strategies at different parts of his investment career. 

In this episode, we discuss whether property investors should bother testing their rental properties for meth contamination.  This is based on the 2018 report from Sir Peter Gluckman. We react to parts of the report that suggest that meth testing isn't necessary (most of the time), and the signs to look for to tell whether you should test for meth.  We also talk through previous Tenancy Tribunal cases to show whether you or the tenant need to pay to fix any damage.  We also mention that we'll be speaking at a property investment seminar – in partnership with Wolfbrook – at the Christchurch Crowne Plaza hotel. It's on Tuesday 22nd February. Click this link if you're keen to come along.

In this episode, we discuss how young Kiwis can become first-home buyers. This includes our first home buyers blueprint that comes directly from our book – Wealth Plan.  We recommend those first-home buyers start by deciding how they'll use their first home to start an investment portfolio. Will they aggressively pay down their mortgage, or will they renovate?  That will determine what sort of property they'll buy. We talk about these two options and how they work, as well as the four-step blueprint.  We also mention these articles and podcasts: The Mortgage Buster Strategy The Fast Five Deposit Sources first-home buyers can use Property ExpLained (our sister podcast)

In this episode, we discuss where the best places to invest in New Zealand are (right now).  This includes looking at which areas are most undervalued, which areas are growing in population, and which parts of New Zealand are most affordable.  We also discuss that we see the most opportunities in Christchurch, Canterbury and Auckland in early-2022. But, that Wellington could make a comeback in the next couple of years.  We also mention you can watch the video version of this episode by subscribing to the Opes Partners YouTube channel. We release new videos every Monday and Wednesday.

In this episode, we are joined by a financial adviser, Dennis Schipper, to discuss a case study of how his clients will pay off their mortgage by selling an investment property.  We go through the detail of how their property portfolio was going to be $66,000 negatively geared. But, by selling a property and reinvesting the funds, they'll be significantly better off.  Ultimately, you can use this information to think about how you might need to change your property investment portfolio.

In this episode, we discuss the three main steps property investors should take to find a good investment property.  Step #1 – Choose your strategy … whether that's passive buy and hold, renovate and hold, or flipping.  Step #2 – find the right area to invest in. This includes looking for regions that are undervalued, have decent population growth, and a good-sized population to begin with.  Step #3 – Find the properties and run the numbers. 

In this episode, we discuss what landlords can and can't ask their prospective tenants when renting out their investment properties.  This comes after the Privacy Commissioner introduced new rules in 2022 about what property management companies can ask, and when.  Ultimately this is to help you – as a property investor – avoid mistakes, fines, and accusations of discrimination. We also mention that we'll be speaking at a property investment seminar – in partnership with Wolfbrook – at the Chirstchurch Crowne Plaza hotel. It's on Tuesday 22nd February. Click this link if you're keen to come along.

In this episode, we discuss whether property investors should furnish their rental properties.  This includes a look at how much extra rent you can change, the cost to furnish a property and the expected return from renting your property with furniture.  We also talk through which types of properties can be profitably furnished ... and which ones are best rented without any furniture included.  Ultimately, this lets you as a property investor decide what the right decision is for you. We also mention that you can use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we discuss how investors can use their KiwiSaver when purchasing (what will become) an investment property.  This may come as a surprise to some listeners of the show since it's widely reported that you can't use your KiwiSaver as the deposit for a rental.  However, there are some ways that canny investors can still access this money to achieve their goal of purchasing an investment. This episode shows you how. We also mention that you can use our My Wealth Plan software to see whether you're on track for your financial goals. Click the link to use the software for free.

In this episode, we discuss how the slow property market is causing some deceptive developers to bring deals that are "too good to be true".  We specifically talk through deals from Titus Group and Investment Build NZ. We go through some of the bad things that have happened to some investors working with these types of businesses.  The key point of this discussion is that when buying a new build, the developer is just as important as the property you are buying.  We also mention that we've released a new show, the Property ExpLained podcast. In this new podcast, our in-house journalist, Laine Moger reads her articles aloud.

In this episode, we discuss why interest rates may not increase as much as previously feared … and why the worst may be over for property investors fearing increasingly high-interest rates.  We go through the latest inflation data to get a sense of how it might impact the Reserve Bank's decision, and why the latest inflation numbers (while high) could have been substantially worse.  We also mention you can watch the video version of this episode by subscribing to the Opes Partners YouTube channel. We release new videos every Monday and Wednesday.

In this episode, we discuss a case study of a property that some of Andrew's investors have been interested in over the last few weeks.  We use this as an example of how property investors can go about analysing their potential investments.  This includes how to assess whether a property is well priced, how to create a robust pros and cons list, and how to calculate the expected returns from a property. We also mention that you can read our full analysis on this property here – Cross Street Case Study. You can also learn more about Progressive Payment Builds through this article.

In this episode, we discuss whether property prices can double every 10 years.  We talk about how fast house prices in New Zealand tend to double and how fast you should expect house prices to increase in the future.  This helps property investors get a sense of whether they should continue investing in real estate or they should start considering something else. We also mention that you can use our My Wealth Plan software to run your numbers to see if you're on track to hit your retirement goals.

In this episode, we debate whether the NZ superannuation scheme will survive the next 20-40 years.  This includes a discussion about whether property investors should include a pension when they are putting together their financial plans for retirement.  Andrew argues that the pension system will get scrapped, whereas Ed argues it will largely stay intact.  We also go through the major changes that could be expected in the system and how they would impact property investors' plans. We also mention that you can use our My Wealth Plan software to run your numbers to see if you're on track to hit your retirement goals.

In this episode, we discuss the Auckland floods and how property investors can work with their tenants to make sure that both sides come out happy.  This includes looking at the Residential Tenancies Act, and seeing what the legal obligations for both sides are, and how to reduce the rent appropriately (if your property is damaged).

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at the "How To (Actually) Start Your Property Investment Portfolio In 2023 ", what to look for in a property, the 3 main property investment strategies, what to look for in an area and how to find the right property.

In this episode, we are joined by Ilse Wolfe, a property investor, to discuss what she would do if she had a time machine. We walk through the property investment mistakes she would avoid and how she would do it over again.  This includes talking about how she would manage her money differently, the types of properties she'd invest in, and where she would invest instead.  We also go through the state of Ilse's current portfolio and the changes she's currently making to her portfolio. Ultimately, this helps you avoid the same mistakes.  We also mention that you can use our My Wealth Plan software to run your numbers to see if you're on track to hit your retirement goals.

In this episode, we discuss the 7 steps property investors need to take before renting their own home.  This is because many owner-occupier homes are not ready to be turned into rentals straight away.  The gardens may need to be adapted, the walls may need to be painted, you need to have a key for every lock, and (most importantly), you must make sure the property is Healthy Homes compliant.  If property investors don't follow these steps, they could make costly mistakes or face fines from the Tenancy Tribunal. We also mention our webinar, which is on tonight (Tuesday 31st January) at 7 pm. Join us to learn how to actually start investing in property. Click the link to register.

In this episode, we discuss the top 8 property investment trends that prospective landlords need to look out for.  These include when property prices will bottom out, how far house prices still have to fall, the impact of the election, when inflation will flatten ... and who is currently propping up the housing market.  Ultimately this lets you, as a property investor, get prepared for what could happen this year.  We also mention our upcoming webinar, where you'll learn how to actually start investing in property. It's on Tuesday 31st January at 7 pm. Click the link to register.

In this episode, we are joined by property investor and financial adviser Stevie Waring to discuss a case study of an investor who didn't follow her advice.  The investor had a complex situation where he had done a property investment JV with a friend ... and had done a land deal with his sister.  We go through how the situation with his sister deteriorated to the point where he has potentially lost $50,000+. We go through what happened so other property investors can avoid the same mistakes. We also mention our upcoming webinar, where you'll learn how to actually start investing in property. It's on Tuesday 31st January at 7 pm. Click the link to register.

In this episode, we discuss the upcoming election in 2023. New Zealand's political landscape changed over the last few weeks, with Jacinda Ardern stepping down as prime minister.  We talk about whether National has got the election all sewn up or whether Labour could make a comeback under its new leader – Chris Hipkins.  All of this is to get a sense of whether Jacinda Ardern's taxes on property investors will survive another year.  We also mention our upcoming webinar, where you'll learn how to actually start investing in property. It's on Tuesday 31st January at 7pm. Click the link to register.

In this episode, we discuss how 2 different valuers can give incredibly different valuations for similar properties.  This is based on a recent example where some of the investors we were working with at Opes Partners owned similar properties.  However, because the investors were assigned different valuers, the valuations came back with a difference of over $100,000.  We go through the reasons behind the different valuations and what you, as an investor, can do to protect yourself from a low-ball valuation. We also mention that you can use our My Wealth Plan software to run your numbers to see if you're on track to hit your retirement goals.

In this episode, we discuss how you can start to think like a pro-investor. This includes digging into the 4 mindset shifts that successful property investors make so they can hold on to their properties and make a significant profit.  These include:  looking at how you view the money you make,  the way you look at lower prices,  the risk you think each asset class has, and  how you think about volatility in the market.  Even for the most seasoned investors, this episode is a good reminder of the basics needed to succeed.  We also mention that you can use our My Wealth Plan software to run your numbers to see if you're on track to hit your retirement goals.

In this special bonus episode, you'll hear the audio from the recent Opes Accelerate webinar where we looked at the "3 Steps To Unlock Your Rental Cashflow In 2023", what to look for in a property, and how you should calculate cashflows to guide your property investment choices and create better cashflows in your current investment properties.

In this episode, we continue on from yesterday's show and discuss how Wade – an Ashburton lad getting started in property – can buy his first investment and eventually grow to a portfolio of 5 rental properties.  You'll hear what Wade currently owns and get a sense of whether he'll be able to purchase an investment right now.  We then go through the steps he'd need to take to get into his first rental ... and then the next 4. We also mention that you can use our My Wealth Plan software to run your numbers to see if you're on track to hit your retirement goals.

In this episode, we discuss whether you should go to a bank or a financial adviser when trying to figure out your property investment goals.  We discuss a case study of a listener of the show – Wade – and his experience when he went into a bank at Ashburton to discuss what he should do to grow a portfolio.  We also go through the differences between working with a bank and a mortgage adviser and the differences between a mortgage adviser and a financial adviser.  We also mention that if you're looking for a good mortgage broker, you might like to check out our sister-company, Catalyst Financial. Click the link to view their website. 

In this episode, we discuss the 7 proven tactics that property investors can use to increase the rent on their investment properties.  This is important in today's market, where high house prices, rising interest rates, and a higher cost of living mean that some property investors may struggle to keep their properties if their rent doesn't rise.  These tactics include raising the rent to the market level, including furnishings in the property, renting via Airbnb, and renting the property out over a shorter term. We also mention that you can watch the video version of this episode by subscribing to the Opes Partners YouTube channel. Click the link to subscribe. 

In this episode, we discuss a case study of two investors – William and Catherine. We go through the intimate details of their financial situations, including what they earn, how many properties they currently own and what they're worth.  You'll then get an understanding of how close they are to achieving their financial goals and what their next steps are in property.  Ultimately, that lets you compare your situation to William and Catherine's to see whether what works for them ... might work for you too. We also mention that you can download our Return on Investment spreadsheet to create a cashflow forecast for your investment properties.

In this episode, we discuss the psychological concept of loss avoidance and how it relates to property investors in New Zealand.  We go over how many Kiwis want to build a property investment portfolio. But they're often scared to do so because they don't want to lose money.  So this episode takes you through how you can overcome loss avoidance and feel confident when investing in property.  You'll also learn the stats of how often houses go down in value and when that happens.  We also mention that you can use our My Wealth Plan software to run your numbers to see if you're on track to hit your retirement goals.

In this episode, we discuss one of the most fundamental concepts in property investment – leverage.  This is the idea that you can use other people's money (OPM) to invest and build an asset base (and only a little of your own).  This includes a look at the three different types of leverage most Kiwi property investors use –  1) borrowing money from the bank against the property they're buying,  2) borrowing money from the bank against their own home, and  3) using the tenant's money to pay the bulk of the bank's interest costs. 

In this episode, we discuss how much it costs to purchase a standard investment property in New Zealand across different cities and strategies.  This means that property investors and first-home buyers can set a budget for how much they need to spend to purchase a property.  We also revisit the numbers we shared the last time we recorded this type of episode – back in April 2022. This allows you to see how the property market has changed over the last 9 months.

In this episode, we are joined by mortgage adviser – Peter Norris from Catalyst Financial to discuss the 7 strategies property investors need to know to master their mortgage.  This includes the Mortgage Buster, the Debt Destroyer, the Earn Baby Earn, and the newest strategy, "Bugger the Banks" – i.e. using a non-bank lender.  This allows property investors, first-home buyers and existing homeowners to understand what they can do to borrow more.  We also mention that you can download this ebook to learn about all of the strategies in more depth.

In this episode, we discuss what first-home buyers need to do when purchasing a house to live in throughout 2023.  This includes a look at how much deposit first home buyers need, how to calculate how much money they can afford to borrow, and the type of property to buy.  This is based on the information in our recently released book – Wealth Plan, which shows investors how to use property throughout their lifetime to eventually retire on real estate.  We also mention that if you want help buying your first home, check out our first home buyers service – Opes First Home.

In this episode, we are joined by April Hastilow, a mortgage adviser at Catalyst Financial, to discuss an example of the sort of advice property investors should not follow.  This comes from a story when April was working with a property investor who put a new build under contract. The investor then took advice from their accountant to start their own business.  In the end, this meant that the property investor's finance fell through, and they had to pay a substantially higher interest rate. We also mention that if you want to learn more about property investment, subscribe to the Opes Partners YouTube channel.

In this episode, we are joined by Kathy Faulkner to discuss a case study of a property investor who paid $12,000 to a financial adviser to get financial advice and access to the financial adviser's information.  But, in the end, these investors didn't see value in the information that was provided. We walk through what this investor did to get their money back and what their next steps in property investment are.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we review Bluestone Home Loans, a non-bank lender. For this, we are joined by mortgage adviser Peter Norris from Catalyst Financial.  We talk through who Bluestone is the right and wrong fit for and how their products compare with the main banks and other non-bank lenders like Resimac.  Ultimately, this lets property investors and first-home buyers understand when Bluestone would be the right call for them. We also mention that you can book your complimentary Portfolio Planning session by clicking the link and popping your details into the form.

In this episode, we discuss whether Kiwi property investors really do need a property manager … because the answer may be "no".  We discuss the reasons to use a property manager and also the reasons not to use a property manager.  Ultimately, this allows property investors to make up their own minds and decide whether using a property manager is the right fit for them. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss why Kiwi investors should stop saving for retirement and what they should start doing instead.  This includes a look at the amount of money Kiwi investors would need to put away each week if they were to save $1 million.  We then compare this with the amount an investor would need to invest if choosing a different (higher risk) asset class. Ultimately, this allows investors to make an informed decision about where to park their money.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we are joined by Micky Limmer from Opes Property to talk about how to tell if the developer you are working with is any good (or not).  This includes the checks you can do at home to test whether a developer will likely build you a good property on time and budget.  Andrew also walks through a couple of case studies of where a developer has seemed ok initially, but then has come out as less reputable once the red flags have started to appear. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this epsiode, we discuss the exact point where two property investors should combine their financial situations. We go through why property investors need a Relationship Property Agreement (RPA) when they start getting serious in their new relationship.  And on top of this, we talk about how investors can set up their financial situation when they start investing with a partner. Ultimately this allows property investors to manage their risk and not put themselves in a bad financial situation. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we are joined by mortgage adviser April Hastilow from Catalyst Financial to discuss a simple trick that homeowners can use to beat falling house prices.  Specifically, this strategy is around managing your debt so that you can still borrow against your property ... even if its value has fallen.  This includes using mortgage products like a revolving credit to pay down debt while still retaining access to the money. 

In this episode, we are joined by property investors, Ilse Wolfe from Opes Accelerate to discuss a case study of an investor who wasn't able to get the money from the bank to purchase an existing property to renovate.  We discuss how they used a non-bank lender product through Catalyst Financial to borrow the money, even though they didn't initially have the deposit to do it. 

In this episode, we discuss how kiwi property investors can build an investment portfolio while still renting personally. We work through the numbers to show how rentvesting impacts your ability to borrow in the future, and both the pros and the cons of this strategy.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss how property investors (and all investors) need to take some amount of risk, and that not taking risk has a cost associated with it.  We work through the numbers to show how much not taking risk costs you, and how it compares across different asset classes. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this epsiode, we discuss when the bottom of the property market will hit, how much more property prices will drop, and how quickly prices will recover.  This is based on the predictions and forecasts of the Reserve Bank, The Treasury, ANZ, and Westpac ... along with predictions from KiwiBank, Tony Alexander and Opes Partners.  Putting all these forecasts and predictions together can give us different views on the market, so we can come to a reasoned consensus of what might actually happen.  Ultimately, this allows property investors and first-home buyers to make a more informed decision about when to purchase.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss CoreLogic's Best of the Best report, which details the top-performing suburbs across New Zealand in 2022.  This includes the suburbs that increased in value the fastest, the suburbs that decreased in value the fastest, and the most (and least) expensive suburbs across the country.  Ultimately, this helps property investors and first-home buyers understand how the property market works and how it is changing. Together, this data will help you see the principles that we talk about on the show in practice. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss what property investors should do if they are working with two financial advisers who are saying different things.  This includes a 4-step process that investors can walk through to come to a resolution: being clear on your goals; understanding the strategy each adviser recommends; getting your advisers in the same room; and understanding each of their financial motivations.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we are joined by Micky Limmer from Opes Property to talk about how many properties investors need to look at before they can get a good deal.  This includes numbers for investors looking at new builds and existing properties too. We also discuss how the number of properties you need to look at will change based on how well you know your buying criteria ... and examples of how you can set your buying criteria to get a better hit rate.  That way, you won't have to look at so many different properties. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss a case study of an investor who had worked with Propellor Property Investments to purchase a property. The investor then became worried that her property would be a "complete disaster & money pit".  Andrew walks through how he helped the investor figure out whether she should hold or sell the property. He also talks through the return on investment and cashflow for the property. We also mention that you can book a complimentary Portfolio Planning session through this link.

In this episode, we discuss the 3-step process property investors should use to set achievable goals. This includes deciding what you want, how much of it you want and when you want it by. We go through case studies and examples, so you can see how this framework can be used in practice.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss how property investors and first-home buyers can set actionable goals and then achieve them in 2023.  This includes discussing how to stay motivated, so that you keep moving towards your goals. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss the top 10 property investment opportunities available in 2023. This includes opportunities for property investors, developers, first-home buyers, and anyone looking to stay engaged with the New Zealand property market throughout 2023.  These opportunities include: developers picking up deals from other investors cheaply, renovations-focussed investors picking up properties before the election, and first-home buyers taking advantage of a quieter market with more choices.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss how property investors can renovate properties without doing a lot of the grunt work. That means not having to pick up a hammer … or having to put on old clothes before lathering up a paintbrush.  For this, we are joined by Ilse Wolfe from Opes Accelerate, who also announces her new service – Opes 360, where Ilse's team will project manage a renovation for you.  That means property investors can Cashflow Hack the properties they already own without needing to be actively involved themselves.

In this episode, we are joined by Ilse Wolfe from Opes Accelerate to discuss how Kiwi property investors can learn how to renovate properties … the right way.  This includes what property investors need to learn and the content to read, watch and listen to so they can learn these skills. Ilse also shares how she learned to renovate properties over 13 years of renovation experience.  We also mention that if you want some help learning how to renovate, you can always check out the Opes Accelerate property coaching programme.

In this episode, we share the properties that Andrew Nicol bought in 2022. This includes the properties he signed a contract to buy … and the ones he settled.  Andrew talks us through the types of properties he is buying right now and the reasons why he's pursuing this specific strategy.  He then takes us through the numbers, including the purchase price, cash flow and expected return on investment. Ultimately this allows property investors and first home buyers to copy the same strategy ... if they think it's going to work for them. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we are joined by property investor, Toby Pascoe to discuss a case study of a single mum from the Hawke's Bay who is investing in property to secure her retirement.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

This special Christmas episode discusses what Ed and Andrew want Santa to bring them over the next year in the property market. We also review what the pair asked for last year … and whether they got it.  Ultimately, this is a lighthearted look at what could be in store for property investors, home buyers and first-home buyers in 2023.   We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we recap the government's new interest deductibility rules that have some property investors paying tax as if they don't have a mortgage … even though they still have a mortgage to pay.  This includes looking at how investors can adapt their properties to make them 'New Builds' under the new tax rules, which come with significant tax benefits.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss whether it is harder to find a tenant at the moment … and whether there is an oversupply of rental properties in New Zealand.  This comes from a listener of the show who is struggling to find a tenant for their rental property right now in the Auckland property market.  We also mention how the rental market is cyclical and that throughout the year, there are periods where it is more difficult to find a tenant compared to the rest of the year. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss whether mortgage brokers are biased … and if they're any good. This comes from a recent Stuff article, which suggested that mortgage brokers unfairly increase interest rates for all borrowers across the country.  We also reveal how much mortgage brokers earn per deal and whether they are incentivised to recommend borrowers go with lenders who pay the highest commissions. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss how property investors can recession-proof their portfolios. This includes a look at what the potential recession in 2023 could look like, how deep it will be, and how many people could be impacted.  We also introduce 6 strategies that property investors can use to protect themselves, including revolving credits, increasing their pay, securing their jobs, raising rents, restructuring debts and preparing to take advantage of good deals. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss John Key's property market predictions. These come from a recent webinar held with Sir John Key with property developer Stonewood Key.  This includes Sir John's views on interest rates, unemployment, whether property prices will continue to increase over the long term, and how the properties that New Zealanders buy will change.  This allows property investors and first-home buyers to understand what the property market may do over the next 1-10 years.

In this episode, we are joined by Hollie McLachlan to discuss how she flipped a house while earning just $48k a year as her main salary.  Hollie shows us how property investors can get their start doing flips while still holding down a full-time job and doing it while servicing is tight. We also mention that you can use the public version of our My Wealth Plan software to see what your retirement is going to look like. Click the link to use the software for free.

In this episode, we discuss whether property investors and home owners should break their fixed mortgage interest rate before rates go up further.  We break down the numbers and discuss how to know whether you'll save money or end up spending even more money if you break your mortgage.  We also mention that you can use the public version of our My Wealth Plan software to calculate the size of your Wealth Gap and see whether you're on track for a comfortable retirement.

In this episode, we discuss how to determine the fair value of a house when you are getting a divorce. We run through the numbers and talk about the different ways that a house can be valued.  This includes a discussion on whether property investors and first home buyers should use a registered valuer or a real estate agent to determine the value.  We also discuss that you can use the public version of our My Wealth Plan software, to see what your Wealth Gap is, and how on track you are for a comfortable retirement.

In this episode, we discuss whether banks really are making enormous profits from higher interest rates, and whether property investors and first home buyers are paying too much in interest costs.  This includes a look at how banks set interest rates and the net interest margin that each bank makes when lending out money for residential property. We also take a look at the composition of each bank's funding. We also mention that we have just released our My Wealth Plan software, which you can use to see whether you are on track for retirement.

In this episode, we discuss where interest rates are going to go over the long term. This allows first home buyers and property investors to project what their cashflows may do over the long run. We specifically go through data points like the long term neutral interest rate and what interest rates have done (on average) over the last 10 years.

In this episode, we discuss whether it is a good idea for property investors to sell their existing properties to buy new builds. This comes after the government introduced new taxes that mean that investors holding existing properties will be significantly more to the IRD. We talk through when this is a good or bad idea, and also the three checks you need to go through before selling. 

In this episode, we discuss how far through the housing market downturn the New Zealand property market currently is. This allows property investors and first home buyers the chance to decide whether it is the right time for them to engage with the housing market or not. We also mention that you can get the latest property market insights by signing up to our weekly newsletter – Private Property newsletter sign-up. You can also see all the graphs mentioned in this episode here.

In this episode, we discuss a case study of a real Kiwi couple who are investing in property so that they can retire early and spend $200k a year using the Nest Egg strategy.  We go through how Mike and Sarah ended up in the position where this is an option for them, how many properties they own, and when they started.  Ultimately this allows you to understand what you'd need to do to getin the same position.

In this episode, we discuss the factors that would make the property market turn around, including a reversal in the interest deductibility rules; a change in the LVR restrictions and a belief that interest rates are coming down. We go through how this would change property investors' cashflows and their ability to borrow.

In this episode, we discuss how property investors can talk to their parents (and other family members) about their retirement.  We talk about when to bring it up and the types of questions to ask your family when trying to talk to them about their financial future. We also mention that you might like to use our My Wealth Plan software to calculate their exact Wealth Gap.

In this episode, we discuss how bad economics news and scary news headlines are exactly what New Zealand needs (right now).  Inflation is too high and the Reserve Bank needs to get all Kiwis to spend less so that prices stop rising so quickly. So it is a good thing if bad news headlines scare us into spending less.  That will decrease demand in the economy, bringing it back inline with supply, which will then help keep prices in check.  So as property investors and first home buyers, we should be aware that scary headlines and bad news is exactly what the country needs to eventually bring interest rates down.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at the "Property Investment Cashflows in 2023 – What To Expect", what to look for in a property, and how you should calculate cashflows to guide your property investment choices and create wealth in 2023 and for your financial future.

In this episode, we discuss which data property investors, first home buyers and other home owners should look at if they are trying to time their purchase of an investment property perfectly.  This includes a discussion of the data produced by both Tony Alexander, the Real Estate Institute of New Zealand (REINZ) and Core Logic. 

In this episode, we discuss how property investors (and those interested in property) should ho about debating with people who take a more pessimistic view.  This comes after one Facebook user left a lengthy comment on one of our Facebook ads detailing why people shouldn't invest in property. We use this as a case study of how you can use facts and data to respond to emotional comments from people who take a negative view of investment properties.

In this episode, we discuss a recent news story that claimed that investing in KiwiSaver would provide better returns than first-home buyers purchasing a property.  We go through the modelling to see whether that news article was correct, and you can double-check our modelling and our assumptions using this modelling spreadsheet here.

In this episode, we discuss the case study of Aaron and Sue who want to retire in 8 years and spend $150k a year.  We look at their current portfolio, their situation and consider what options they have to achieve their goals ... and if not, what they should do instead.

In this episode, we discuss what happens if the property manager you're using is sold.  This happens frequently in the property investment industry, so we walk you through the questions that you as a property investor should ask when this happens. We also mention that you can vote for the Property Academy Podcast as part of the NZ Podcast Awards Listener's Choice award. Click the link to vote.

In this episode, we discuss the Reserve Bank's most recent house price forecast, and how interest rates will impact New Zealand real estate prices.  This includes diving into how this house price forecast compares to the previous predictions put out by the country's central bank and whether this impacts our own prediction for the housing market.  We also mention that you can vote for the Property Academy Podcast at the NZ Podcast Awards Listener's Choice. Click the link to vote.

In this episode, we discuss the Reserve Banks' most recent change to the OCR and how this will impact mortgage interest rates. We play clips from the most recent Monetary Policy Statement to get a sense of how high mortgage interest rates may go. We also mention that =we could use your vote for the NZ Podcast Awards Listener's Choice award. Click the link to nominate the Property Academy Podcast.

In this special bonus episode, you'll hear the audio from the recent Opes Accelerate webinar where we looked at the "Deal or No Deal in 2023 - How to find a BRRRR deal in 2023", the strategies and practices that Opes Accelerate teach, and how to use the 'Cashflow Hacking' steps to plan and create wealth in 2023 for your financial future.

In this episode, we discuss what property investors should do if they bought at the peak of the market in 2021.  This includes a look at the reasons you may have bought back then – together with house price projections from the Reserve bank and The Treasury that were released at the same time.  In addition to the cashflow projections, we also go through the 7 Strategies to Manage Your Investment Property Top-Up and the 4 Ways to Get out of Your New Build Contract.

In this episode, we discuss whether home buyers should let real estate agents know if they are looking at purchasing other properties.  We go through an example from a listener of the show – Rose – to determine what the most ethical (and business-like) decision is. This is so first home buyers and property investors know the right way to work with agents and other property professionals.

In this episode, we discuss the most recent market data to see how the market is working today.  Their includes a look at the Real Estate Institute of New Zealand data, which shows that the property market appreciated in October 2022.  We go through whether this means that the market has turned (or not), and how property investors and first home buyers should interpret this. We also mention that you really should subscribe to the Opes Partners YouTube channel. We release new videos every Monday and Wednesday.

In this episode, we discuss how this first home buyer bought their first property for $75,000 under its value.  This includes a look at the process for how they found the property, and what they needed to do to get it under contract.  We also discuss our upcoming Opes First Home live seminars, which are happening in early December. Click the link to register for your free ticket. 

In this episode, we revisit all of the projects that were featured on The Deal – NZ's first reality TV-style show – which we released in early 2021.  This is to let property investors and first-home buyers know and how the properties have gone for all the investors who did purchase these developments.  We also mention that if you want to watch The Deal, click this link to watch the whole series. And subscribe to the Opes Partners YouTube channel to make sure you see all our future videos.

In this episode, we discuss exactly how Ed and Andrew make money. This is to make it transparent exactly how Opes Partners works so that first home buyers and property investors can see exactly how the company works.  This includes all of the different companies that are a part of the Opes Group, as well as exactly how Opes Partners gets paid by developers.

In this episode, we discuss several lawyer horror stories that demonstrate what property investors and first home buyers need to be aware of when they use a property lawyer.  Specifically, we discuss one case study of an investor who used a lawyer-friend to help them during due diligence ... and then got charged $6k for the privilege. 

In this episode, we discuss whether renovating your property really does increase the amount you can borrow from the bank.  We run the numbers so that property investors and first home buyers can understand how the bank's assess whether you can borrow more money (or not).

In this episode, we discuss Ed's biggest money mistakes and what he's learnt from them. This includes when he was in significant credit card debt and the story of how he got into it. We also discuss the actions you can take so that you don't fall into the same money traps as Ed did.

In this episode, we compare the 2022 property market downturn in New Zealand with the property market downturn from 2008.  This gives property investors and first home buyers a sense of where the market may go over the next 12 months. 

In this episode, we discuss the case study of Joy and Manuel – a pair of property investors who want to retire early and live life on their terms.  We go through how many properties they currently have, and the number of assets they'll need to acquire to achieve their ambitions. 

In this episode, we discuss who should and shouldn't be investing in today's property market. This includes a look at the cash flow for an investment property, and what price you might pay.  This is based on an email that we received from one of the readers of our Private Property newsletter.

In this episode, we discuss how to calculate the exact size of your wealth gap, including how you can use our soon-to-be-released My Wealth plan software.  The boys got a bit ahead of themselves, and we found a wee bug in our software, which has pushed out the launch date by a week or two, but we'll reannounce it, once it's ready for you.  In the meantime, you can use our cost of living calculator to see what your current lifestyle costs. 

In this episode, we discuss the property investment predictions that we made at the end of 2021 for what would happen in 2022.  We go through everything from house price movements, through to immigration and rental market movements. This allows you to see whether our predictions are worth the paper they're written on.

In this episode, Andrew shares his property journey with us, from growing up in a blue-collar part of Christchurch, to owning over 25 rental properties. He walks us through what property investors need to know and how he manages to work with the bank to continue buying more and more rental properties. 

In this episode, we discuss what property investors need to know about GST when buying, selling and renting their properties.  To do this we are joined by property tax accountant, Matthew Harris from Momentum Property.  This includes looking at how some investors are making 6-figures in profit by using GST in property trades.

In this episode, we discuss why property prices in the Queenstown-Lakes district aren't decreasing as quickly as the rest of the country. We also go through historical data to see whether Queenstown has previously weathered property market downturns better than other parts of the country. We also go through the details to discuss whether that shows whether the Queenstown property market is a good place to invest right now. 

In this episode, we are joined by property investor, Ilse Wolfe to discuss a case study of an investor who converted their property from a 2-bedroom property to a 6-bedroom property.  We go through the details of how they did, and where they put all of these extra bedrooms. You'll also hear what the rent increased to, how much they spent and what the property is now worth.  We also mention our upcoming Opes Accelerate webinar, whee you'll learn how to spot whether a property is a good deal (or not). It's on Tuesday 29th November. Click the link to register. 

In this episode, we discuss a case study of an investor who wants to keep their tenants in a rental property, while installing a minor dwelling on the back. We go through what the investor needs to think about, and what they should do to the tenancy agreement to protect themselves throughout the build process. 

In this episode, we discuss the 8 questions that property investors should ask their power team before going unconditional on a property.  And to do this we are joined by Ilse Wolfe from Opes Accelerate to go through what you need to ask, who to ask it to, and why it's important. We also mention our upcoming Opes Accelerate webinar, where you'll learn how to spot whether a property is a deal (or not). It's on Tuesday 29th November at 7pm. Click the link to register.

In this episode, we are joined by property investor, Ilse Wolfe to discuss how to add value to your property by changing the flooring.  This includes how much it costs to recarpet a house and how to save many when revamping the flooring. We also discuss the practical things that property investors need to keep in mind.  We round out the show by mentioning our upcoming renovations-focused webinar. It's on Tuesday 29th November at 7pm. Click the link to register.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at the "Property Market Update ... What's Going To Happen In 2023", the strategies and practices from our just released book 'Wealth Plan', and how to use investment property to plan and create wealth in 2023 for your financial future.

In this episode, we discuss how to use the Nest Egg strategy to fund your retirement. This includes a case study into how one investor will top up his retirement income by $50k a year with only 2 properties.  We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss why property investors would use high-yielding investment properties to build a passive income instead of term deposits or a conservative fund.  This includes a look at the tax implications and a look at how investors are able to inflation-proof both their assets and their incomes via the different investment alternatives.  We also mention our upcoming webinar, where you'll get our predictions and forecasts for both house prices and interest rates in 2023. It's on Tuesday 8th November at 7pm. Click the link to register.

In this episode, we discuss what a good property investment cashflow looks like in today's market in the midst of higher interest rates and lower house prices.  This includes several before and after comparisons, looking at what the cashflow for each property is likely to be based on interest rate assumptions over time. We also mention our upcoming webinar, where you'll get our predictions and forecasts for both house prices and interest rates in 2023. It's on Tuesday 8th November at 7pm. Click the link to register.

In this episode, we are joined by mortgage adviser Michelle Kinilau to discuss a case study of an investor who put a property under contract and didn't set up her lending the right way.  We go through what the investor did wrong, and what you can do to avoid the same mistake. Then we walked through what the solution is, and how this investor will still be able to settle on the property. We also mention our upcoming webinar, where you'll get our predictions and forecasts for both house prices and interest rates in 2023. It's on Tuesday 8th November at 7pm. Click the link to register.

In this episode, we discuss the 6 signs that show you're not ready to invest. This means that if you aren't ready just yet, you'll know what you need to do to get ready to invest. We also mention both our Mortgage Playbook and our Investor Ready spreadsheet. You can download both for free here.  We also mention our upcoming webinar, where you'll get our predictions and forecasts for both house prices and interest rates in 2023. It's on Tuesday 8th November at 7pm. Click the link to register.

In this episode, we discuss whether housing for retirees is the next big property investment and development opportunity. We go through the population stats to show how the demographic make up of the country is changing, and also the specific needs the elderly have for their properties. We also mention our upcoming webinar, where you'll get our predictions and forecasts for both house prices and interest rates in 2023. It's on Tuesday 8th November at 7pm. Click the link to register.

In this episode, we discuss what property investors need to know about inflation ... how it works, and both the pros and the cons for property investors.  This includes a look at higher interest rates, and how some Kiwis are deciding to invest in property as a way to combat inflation.  We also mention our upcoming webinar, where you'll hear our predictions and forecasts for both interest rates and house prices in 2022. It's on Tuesday 8th November at 7pm. Click the link to register. 

In this episode, we discuss what property investors need to know about how to use a cabin or sleep out in order to increase cashflow for their rental properties.  This cabin a look at the council rules and whether you can fit a cabin within the back yard of your rental property. We also look at the rental returns associated with a property. You can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss how quickly house prices will increase in the future based on analysis from The Treasury and the Reserve Bank.  We also look at the 10 drives of house prices and how each of these are expected to change over time. We also mention that you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss 4 strategies that property investors can use to help manage their property's cashflow while interest rates are high. We also mention that you can download the Opes Partners ROI spreadsheet for free. You can also download the Handling Higher Interest Rates spreadsheet to see how much cashflow you could free up using these strategies. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we are joined by mortgage broker and financial adviser, Peter Norris to discuss a case study where he was able to get the bank to say yes ... even though 2 other brokers couldn't.  We go through the numbers and the scenario so you can see what's possible when you apply for money ... the right way. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we answer real property investors' questions live on the show. This means calling up you guys listening to the show to discuss property in real time over the phone.  Want your question answered live on the podcast with Ed and Andrew? Submit your question here through the Property Academy Radio Talkback form.

In this episode, we discuss the Golden Goose strategy, which is the ultimate way that property investors can build a passive income through real estate.  This includes a case study of someone who is in the position to take this strategy, and the exact steps they should take. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss the 7 reasons that property investors get cold feet and the ways to manage them.  That's because to be a successful investor, you don't just have to master facts and logic. You also need to manage your emotions so you can make the most informed property investment decision. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we go through new CoreLogic data to show where the highest rental returns in New Zealand are. We also go through some important considerations if you are ging to invest in the areas with the seemingly highest retal returns. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss how much debt property investors should use when purchasing an investment property.  This includes the amount of debt to use based on where you are within your property investment journey. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss whether the property market is about to bottom out and examine the evidence that prices will soon hit their lowest point. This allows property investors and first home buyers decide whether now is the time to buy. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss a case study of a property investor who finished her wealth plan, retired at 65 and now lives on a passive income of $79k from her properties alone.  We talk through the details of what she invested in, where and what she paid. We also walk through what her life now looks like. If you want to walk through the same Wealth Planning process, book a complimentary Portfolio Planning session. You can also pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss Nadine Dodge's doctoral thesis into the changing preferences Kiwi's have when it comes to housing.  This includes a deep dive into what New Zealanders really care about when it comes to buying a house and what property investors and first home buyers need to know. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss the 5 steps property investors should take to research a developer BEFORE they purchase a property through them. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss and answer 20 different property investment and mortgage-related questions in under 15 minutes.  We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we discuss capital gains and cashflow and discuss which is more important for property investors and home owners.  This includes an honest analysis of both the pros and cons ... and when each is important in your property investment journey. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. You don't need to buy the book, if you are coming to the book launch. Your ticket includes a book. Though if you can't make it to the book launch, you can pre-order your copy of Wealth Plan by clicking this link.

In this episode, we take a look inside our book – Wealth Plan – this includes a look at who the book is a good fit for, and what the central themes are for property investors and first home buyers. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register.  Or, if you want to pre-order your copy of Wealth Plan, click this link to buy. If you buy a ticket to the book launch, you don't need to also buy a copy of the book.

In this episode, we discuss what you, as a landlord, are responsible for when your tenant damages your property. We also discuss what your tenants are responsible for.  This includes a look at what the Tenancy Tribunal cases can tell us about how these sort of judgements are decided. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register.

In this episode, we discuss a case study of a couple who plan to retire at 58 with a $100k passive income. To share the case study we are joined by property investor and property partner, Kathy Faulkner.  Kathy takes us through these investors motivations, ambitions and plan for how they plan to create this passive income, without help from the government. We also mention that if you want to book a complimentary portfolio planning session, text the word 'plan' to 5522.

In this episode, we discuss the concept of Wealth Gap and what it means for property investors and people thinking about their financial future in New Zealand.  This includes understanding how to calculate your Wealth Gap, and what happen if you can't fill it. We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register.

In this episode, we discuss the pros and cons of both fixed-term and periodic tenancies. This allows property investors to decide which is better for them when renting out one of their properties.  On one hand, fixed-term tenancies provide greater certainty that you'll have a tenant for a time. Though on the other hand, periodic tenancies are more flexible for both tenant and landlord.  We also mention that our Wealth Plan book launch tour tickets are now live. Click the link to register. 

In this episode, we discuss why the Reserve Bank increased the official cash rate from 3% to 3.5%.  We go through what property investors need to know, and the impact on mortgage interest rates. We also cover when it's all going to stop and how high the OCR might lift to. We wrap up the show by mentioning the launch of our Wealth Plan book launch tour tickets. Click the link to buy your ticket.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at "8 Steps to Build a Passive Income & Retire on Real Estate", the strategies and practices from our upcoming book 'Wealth Plan', and how to use these to plan and create wealth for your financial future with investment property.

In this episode, we discuss what buyers really care about when purchasing a home to live in. This is based off data from the UK and Australia, which shows what really matters (and what doesn't). This is important for property investors to understand, because they care about how easy it is to sell their investments, and what resale value they can get. We also mention that tickets for our Wealth Plan book tour are now on sale. Click the link to buy your ticket.

In this episode, we answer questions from real podcast listeners live on the show. This includes questions from property investors around the country about their personal situations ... even though this is not personalised financial advice.  Want your question answered live on the podcast with Ed and Andrew? Submit your question here through the Property Academy Radio Talkback form.

In this episode, we discuss the types of properties that property investors should not buy.  This includes how to spot these types of properties, and why it's a bad idea not to buy them. We also mention our upcoming property investment webinar, which is on tomorrow, Tuesday 11th October at 7pm. Click the link to register.

In this episode, we are joined by property investor and financial adviser, Toby Pascoe, to discuss a case study of one of his clients.  This couple earn an average income and are making big changes to the work and living situation so that they are able to invest in property and grow a portfolio. If you want to go through the same process this couple went through, your next step is to book a complimentary Portfolio Planning session. Click the link to register. 

In this episode, we discuss what property investors and first home buyers need to know about buying a property as a group. This includes groups of family and friends. This includes how co-owning a property could impact your ability to keep growing an investment portfolio into the future. We also mention our upcoming property investment webinar, where you'll learn the 8 steps to building a passive income (and how to retire on real estate). It's on Tuesday 11th October at 7pm. Click the link to register.

In this episode, we discuss what property investors need to know about owning a property with their former partner.  This includes why it could be a good idea,m and how to set the ownership of the property up ... the right way. We also mention our upcoming property investment webinar, where you'll learn the 8 steps to building a passive income (and how to retire on real estate). It's on Tuesday 11th October at 7pm. Click the link to register.

In this episode, we discuss the 8 things that you must tell your mortgage broker as a property investor when you are applying for more lending.  Ultimately, this allows you to have a more informed conversation with your broker, which gives you a better shot at getting the bank to say yes.  We also mention our upcoming property investment webinar, where you'll learn the 8 steps to building a passive income (and how to retire on real estate). It's on Tuesday 11th October at 7pm. Click the link to register. 

In this episode, we discuss whether there is an oversupply of townhouses coming, and go through the data to see whether there are too many townhouses in the property market today.  This includes a look into where the townhouses are being built, and property sales data to see whether townhouses take longer to sell, and whether townhouses are falling in value more quickly. We also mention our upcoming property investment webinar, where you'll learn the 8 steps to build a passive income and retire on real estate.

In this episode, we discuss how property investors can recover if they have bad credit. This includes how to figure out your credit score using Credit Simple, and where you can request your credit report.  The strategies to recover include: waiting, paying off debts that you've defaulted on, building a history of paying back debts using a credit card and more.  We also mention our upcoming property investment webinar, where you're going to learn the 8 steps to build a passive income and retire on real estate.

In this episode, we discuss how school zones impact the value and capital growth of properties around New Zealand.  This includes what property investors and first home buyers need to know when it comes to buying in a particular school zone. We also test two key hypotheses: 1) Whether properties in more desirable school zones are more expensive, and 2) whether properties within those school zones increase in value more quickly. Want to watch the video version? Watch and subscribe to the Opes Partners YouTube channel.

In this episode, we discuss a case study of a pair of investors who are currently saving a significant amount of money.  We walk through the details of how they do it and why they plan to use investment properties to build their wealth.  We also mention our upcoming property investment webinar, where you'll learn the 8 steps to build a passive income and retire on real estate.

In this episode, we discuss what property investors need to know about negative equity. This includes what it is, why it occurs and the potential impacts.  We also discuss what first home buyers and investors can do to combat the effects of negative equity.  We also mention our upcoming property investment webinar, where you'll learn the 8 steps to build a passive income and retire on real estate.

In this episode, we discuss what property investors need to know when receiving incentives from developers when they purchase a new build.  This includes when the developer offers to pay your mortgage, when they offer a rental guarantee, furniture pack and cashbacks. We also mention our upcoming property investment webinar, where you'll learn the 8 steps to build a passive income and retire on real estate.

In this episode, we discuss whether one particular property investment strategy is now dead.  This is based on our recent presentation to the Wellington Property Investors Association, where we discussed the property investment strategies that still work in 2023.  We also mention our upcoming property investment webinar, where you'll learn the 8 steps to build a passive income and retire on real estate.

In this episode, we are joined by property investor, Ilse Wolfe, from Opes Accelerate. Here we discuss step #5 of the Cashflow Hacking System. This is the 6-step system that turbo-charges any BRRRR renovation project. This step includes painting the internal walls of your property, both to increase the rent and the value of your property.

In this episode, we discuss how Airbnb impacts the long-term rental market.  This includes a look at the situations where Airbnbs increase the rents of long-term rentals, and where rents decrease if there are too many Airbnbs. Ultimately, this allows property investors to decide whether they want to invest in areas where Airbnb-type properties are prevalent. 

In this episode, we discuss whether properties in Rolleston (Canterbury) are still a good investment at today's prices.  We go through the numbers to show how much house prices in Rolleston have increased, as well as whether the current prices are still attractive to property investors and first home buyers.

In this episode, we are joined by property investor, Ilse Wolfe from Opes Accelerate to talk through a renovations-focussed case study. Here Ilse takes us through a property one of her investors was considering. The numbers looked good. But, then they discovered red-flags that meant the deal ... wasn't really a deal.

In this episode, we discuss the steps that property investors should take when reviewing their portfolios each year.  This includes re-looking at your interest rates and lending, as well as thinking through whether your current properties still make sense to hold.  We also mention that we are about to start taking your questions as part of a talkback radio-style show. Submit your questions using the Talkback question form

In this episode, we are joined by Ilse Wolfe from Opes Accelerate to discuss the biggest mistakes that property investors make when renovating property for profit.  This is so you as a property investors (or a first home buyer) can put plans in place to make sure your renovation project is successful. 

In this episode, we discuss whether interest deductibility will be repealed or not if and when National gets in.  This comes off the back of the national property investors conference in Palmerston North, where National Party housing spokesman, Chris Bishop gave a speech. Ultimately this allows property investors to make a decision about how they should consider interest deductibility when making their investment decisions.

In this episode, we discuss what property investors need to do during due diligence for an investment property.  We also mention that you can download our Ultimate Guide to Due Diligence, which walks you through each step in even more detail.

In this episode, we discuss what property investors and first home buyers need to know about working with a financial adviser.  This includes what financial advisers actually do, what they cost and what you should expect from them.  This is ultimately so you know how to get the most out of any financial advice provider.

In this episode, we react to financial advice given a TikTok, a social media app. We pull out examples of both good and bad financial advice and talk about how to spot the difference.  We also talk about how much you can rely on what you here on TikTok ... and find that some you can, and some you can't.

In this episode, we discuss a case study of a pair of property investors who were able to buy 2 investment properties, starting with less than $100k in household income. For this case study we are joined by financial adviser, Stevie Waring.

In this episode, we discuss where the most expensive local council rates are for property investors.  We also mention this map, which reveals the data and shows how many weeks of rent an investor needs to cover their local rates.

In this episode, we discuss the top learnings from the NZPIF Property Investors Conference 2022. This is New Zealand's national conference for property investors.  We highlight the top speakers, as well as what we learnt from them. We also talk through the characters we met, and what we discussed.

In this episode, we discuss the court case of Guo vs Korck, which shows the responsibilities that tenants have for damage caused within the property by pets.  This includes a guideline that property investors can follow around defining accidental and intentional damage and how to ensure they set up their tenancy agreement successfully.

In this special bonus episode, you'll hear the audio from the recent Opes Property Live webinar where we looked at How to buy your 1st (or next) investment property, and we provide some tools to help you plan out your investment property purchase.

In this episode, we discuss the things that property investors should never do with their rental properties.  This includes thinking that you are going to live in it, planning to use it for your kids, and generally mixing both personal and investment goals.  Ultimately this allows property investors to look objectively at their properties and making the best investment decision possible.

In this episode, we discuss the 6 key differences between investing in property in Singapore and New Zealand.  This includes the different tax systems, the Singaporean Government's approach to public housing, and the prices that property investors and first home buyers need to pay. We also mention our upcoming How to buy your first (or next) investment property webinar, which in on Tuesday 13th September at 7pm. Click the link to register.

In this episode, we discuss the 3 reasons your mortgage got declined as a property investor or first home buyer.  This includes:  non-disclosure to the banks,  choosing the wrong bank and also  choosing the wrong property.  Ultimately, this gives you a better shot at getting your mortgage application approved.  We also mention our upcoming How to buy your first (or next) investment property webinar, which is on Tuesday 13th September at 7pm. Click the link to register. 

In this episode, we dig into a case study of a family of property investors who plan to sell a commercial investment property in order to reinvest in residential property.  We go through their financial situation and the requirements they have around producing a passive income from a senior member of their family. Ultimately, this is to show you as a property investor or first home buyer how property can be used to achieve your personal financial goals.

In this episode, we reveal the top 10 financial advisers in New Zealand – who they are, what they do, and who they are the right fit for.  This includes:  Hannah McQueen from EnableMe,  Lisa Dudson from Acumen, Cameron Marcroft from Loan Market, April Hastilow from Become Wealth, Darcy Ungaro from Ungaro and Co and the NZ Everyday Investor Podcast John Bolton from Squirrel, Eugene Bartsaiken from Twine Financial Advisers, Rick Parry from NZ Funds, Pippa Hogg from BNZ, and Martin Hawes We also mention our upcoming How to buy your first (or next) investment property webinar, which is on Tuesday 13th of September. Click the link to register.

In this episode, we discuss what counts as a defect for a new build investment property. This also includes a look at what doesn't count as a defect.  We frequently refer to this Guide to Tolerances, Materials and Workmanship in New Residential Construction, which has been published by the Ministry of Business Innovation and Employment. We also walk property investors and first home buyers through the process for getting defects fixed, and what you need to look out for to avoid mistakes.

In this episode, we discuss what happens if house prices fall while you have a new build under construction. This includes how the bank financing works if the value of your new build is lower than the price you need to pay.

In this episode, we discuss what Kiwi property investors can actually spend in retirement based on the Massey University Retirement Expenditure Guidelines. We also mention our recent What Can I Buy In Retirement? video, which you can watch on YouTube. Click the link to watch.

In this episode, we are joined by Matthew Harris from Momentum Property to discuss what Rollover Relief is and how some property investors can use it to save on tax.  This includes how it was created under the new interest deductibility property investment rules. And who can benefit most from the policy. We also mention our upcoming property investment webinar – How to buy your first (or next) investment property – it's on Tuesday the 13th of September at 7pm. Click the link to register.

In this episode, we are joined by independent economist, Tony Alexander, to discuss what he thinks will happen to the New Zealand housing market over the next 1-2 years. This includes what property investors need to know about capital growth and house price movements and when the right time to buy is.  We also mention our upcoming property investment webinar – How to buy your first (or next) investment property – which is on Tuesday 13th September. Click the link to register.

In this episode, we are joined by Stevie Waring to discuss a case study of a pair of property investors who are using real estate to achieve their personal financial goals.

In this episode, we are joined by independent economist Tony Alexander, to discuss his long term house price predictions. This includes what property investors and first home buyers need to know.

In this episode, we are joined by special guest, Tony Alexander to discuss his interest rate predictions and how they will impact property investors and first home buyers.

In this episode, we discuss 3 real-life case studies from our recent appearance at the Southland Property Investors Association. We discuss the different deals that were presented by the property investors, and announce the winner who will appear on the podcast and in NZ property investor magazine. We also mention our upcoming property investment webinar – How to buy your first (or next) investment property. It's on Tuesday 13th September. Click the link to register.

In this special bonus episode, you'll hear the audio from the recent Opes Accelerate webinar where we looked at "How to Successfully 'Cashflow Hack' in 2022 Using Renovations", the strategies to use and the best practices to create cashflow from your investment property.

In this episode, we discuss the main factors that impact the rentability of an investment property, and what tenants really want.  This is based on data from the Barfoot and Thompson Tenants Survey. We also mention our upcoming webinar: How to buy your first (or next) investment property, which is on Tuesday 13th September at 7pm. Click the link to register.

In this episode, we discuss how old (or young) you need to be to get a mortgage so you can invest in property. This includes a look at how the answer changes based on your financial situation.  We go through an example of real property investors who are still investing in their 60's, as well as how you should talk to the bank to make it more likely that your lending is approved.

In this episode, we discuss the three stages that every property investor goes through. This includes: the starting blocks, running the race, and then crossing the finish line.  This content comes from our upcoming book: Wealth Plan – How to invest in property and retire on real estate.  You can also access our podcast catalogue to find every episode we have ever recorded. 

In this episode, we discuss a case study of a pair of property investors who want to travel the country in their motorhome.  We go through the assets they'll need to achieve their goals as well as how they can use investment property to build them.

In this episode, we discuss whether property investors should consider hotel rooms as an alternative to standard residential property. This includes a look at the pros, cons, cashflows and yields that investors can expect to receive from a hotel room. We also mention the Safari Group episode of The Deal, where a hotel complex developer explains how dual-key apartments and hotel complexes work.

In this episode, we discuss what property investors need to know about the Reserve Bank’s latest monetary policy statement. We also go through their latest house price predictions and what it means for mortgage interest rates.

In this episode, we discuss the Financial Fast Track. These are the 5 principles that you need to be across and carry with you as you invest in property.  These mindset shifts include – 1) it's not your starting point that matters, it's where you're going, 2) you need more assets, 3) Saving alone is not enough, 4)  you need to take some risk, and 5) others don't have to fall behind for you to get ahead.

In this episode, we discuss what property investors need to know about couples with an age gap, and how it impacts your property investment strategy and your financial planning goals.  We also mention this table, which can help you identify the difference in life expectancy between you and your partner.

In this episode, we discuss the exact steps that property investors and first home buyers can take to figure out exactly what their homes are worth.  We also discuss how online valuation sites – like homes.co.nz – are not as accurate as they might seem. We dig into the data and show how far off the site is based on each council area. We also mention this tool, which you can use to see how your property market has changed since you first bought your house.

In this episode, we discuss the 5 lessons that Kiwi property investors and first home buyers can learn from reading Rich Dad Poor Dad by Robert Kiyosaki. This includes the idea that the standard approach to building a career doesn't lead to financial success; that you need to earn income other than just from your job; and that you need to focus on acquiring assets rather than liabilities.

In this episode, we discuss a case study of a pair of property investors who plan to build a $200k passive income over the next 20 years. We dig into the numbers and how they’ll do it.

In this episode, we discuss how much time it takes to be a property investor in New Zealand.  This includes a breakdown of the sorts of tasks you need to do, and how that changes based on how active you are in your portfolio. Ultimately, this allows you to determine whether you've got the time it takes to ber a successful property investor.

In this episode, we discuss what property investors need to know about mortgagee sales, how they work, and the different fishhooks people run into.  This includes how to buy a house that is up for mortgagee sale, how the bank will view the sale, and most importantly, the insurance side. Do not miss this.

In this episode, we discuss how Kiwis, Australians and other people based overseas can become property investors in New Zealand. This includes a look at how much deposit you need, the types of properties you can buy, and how the banks assess your income.

In this episode, we discuss the world of property investment seminars and talk through whether they are worth it for both property investors and first home buyers.  This includes a discussion on the different property investment seminars that are held, the cost to attend these seminars and what you'll learn from them.

In this episode, we discuss a case study of a pair of home buyers who purchased a property in Auckland, only to find out later that the property was leaky.  Worst of all, the council documents they based their purchasing decision on were altered by the person they bought the house off. That's why we walk property investors and first home buyers through what they must do when purchasing a property.

In this episode, we are joined by Maxine Clason-Thomas – a financial adviser – to discuss how this couple will use investment properties to fund their retirement. This includes a look at their incomes, their current assets and what they're on track to achieve. 

In this episode, we discuss the 8 things that we will never do in property investment. This is so property investors and first home buyers can get a sense of what to avoid when purchasing properties. This includes not paying principal and interest on mortgages, not investing in small towns that get low capital growth and not spending time managing our own rental properties.

In this episode, we discuss the 7 steps that property investors can take to attract a tenant in a tougher rental market.  This includes doing basic cosmetic renovations to the property, adding sweeteners for the tenant, and adding in appliances that the tenant might need.

In this episode, we discuss how property investors can set the market rent for their properties, based on the Tenancy Tribunal’s process

In this episode, we are joined by property investor, Ilse Wolfe, to discuss the 4th step in the Cashflow Hacking process – replacing fixtures and fittings. This means that you as a property investor or a first home buyer can quickly add value and rental potential to your property. We also mention our upcoming property investment webinar, which is on Tuesday 30th August at 7pm. Click the link to register.

In this episode, we discuss how property investors and first home buyers can save money on legal fees when they buy a property in New Zealand.  We go through what it costs to use different types of law firms and the services you can expect to receive, so you can make an informed decision.

In this episode, we discuss whether prices are really falling, along with the exact price reductions we are really seeing in the market. That allows property investors and first home buyers to set their expectations about how far property prices are falling in today's market. We also mention that we've just released this Youtube video about how to win at Any Part of the Property Cycle, click the link to watch.

In this episode, we are joined by property investor, Ilse Wolfe, to discuss one of her recent renovation projects. Here, Ilse talks us through how she purchased this complex, and what she’ll do to increase both the rent and the value.

In this episode, we discuss what property investors should look for in a new build investment property when it comes to having a car park vs having no parking vs having a garage. We go through how much a car park and garage costs and what the expected rental return is if you decide to purchase a property with one.

In this episode, we teardown a list of 10 outrageous demands being made by tenancy advocate group, Tenants Action Wellington. We walk through each of the demands in 60 seconds, along with why we think the demand is a bad idea. We also mention Ep. 1010 of the podcast about how to politely say no to tenant requests. We also mention the Opes Partners YouTube Channel, subscribe to keep learning how to be a successful property investor.

In this episode, we discuss whether Master Build Guarantees and Warranties are worth the paper they are written on. This includes a look at the pros and cons of the warranty, along with a look at the alternatives, including the Halo / Certified Builders Guarantee.

In this special bonus episode, you'll hear the audio from the recent Opes Property Live webinar where we looked at How To Invest In Property 'the right way' In 2022, the strategies to use and the best places to purchase your investment property.

In this episode, we are joined by Sammy Morrison to discuss the 6 mindset shifts that first home buyers have to make to be successful in 2022. This includes being realistic, getting started before you think you are ready, feeling the fear and doing it anyway, and not letting the great being the enemy of the good. We wrap up the episode by mentioning the ontheladderbyopes_ instagram account, where you can keep up to date with what it takes to be a first home buyer.

In this episode, we discuss whether interest rates have peaked in the New Zealand market. This is so you, as a property investor, can decide how long to fix your interest rate for.  We also discuss the impact of continued tightening from the Reserve Bank and how this impacts what the banks can offer you.  We wrap up by mentioning our upcoming webinar, which is on tonight (Tuesday 2nd August) at 7pm. Click the link to register.

In this episode, we discuss this Stuff article, which suggests that landlords need to 'Wake Up' to the new reality of the rental market.  We discuss whether this article is true or false and look at the data to see whether the rental market really is slowing down. We also mention sharing a graph that shows Auckland Rents over time – but Ed couldn't figure out how to link it (sorry!). We also mention our upcoming webinar, where you'll learn how to invest in property the right way in 2022. It's on Tuesday 2nd August at 7pm. Click the link to register.

In this episode, we are joined by financial adviser and property investor, Toby Pascoe, to discuss a case study of an investor who struggled to get her finance approved.  We go through the details of how the situation came about, and how her mortgage broker gave up on her. We then discuss what steps she took to get the finance approved and settle on her property.

In this episode, we discuss how one couple will borrow $90k more than they otherwise could by transferring their mortgage between properties.  We discuss which property investors this applies to, and which banks are more likely to let you do this. We also mention our upcoming webinar, which is happening on Tuesday 2nd August at 7pm. Click the link to register.

In this episode, we discuss the difference between progressive payments and turnkey builds and which are better for property investors.  This includes an analysis of which tend to be more expensive, and which you as the investor have more control over.  We also mention our upcoming webinar, which is on Tuesday 2nd August at 7pm. Click the link to register.

In this episode, we discuss the upcoming NZPIF 2022 Conference, and how to make the most out of the event. This includes a breakdown of the cost to attend and what's on the schedule. Use the link above to register for the conference.  We also mention our upcoming webinar, where you'll learn how to invest in property the right way in 2022. It's on Tuesday 2nd Augsut at 7pm. Click the link to register.

In this episode, we review Brooksfield, a property developer based out of Christchurch. This includes an assessment of the people behind the company and the sort of properties they build. We talk through both the pros and the cons. Including how their designs and floorplans differ from some other property developers on the market.

In this episode, we discuss the top 5 non-bank lenders in New Zealand, along with the pros and cons of each. This includes a look at Resimac, Squirrel Money, BaseCorp, PepperMoney and Liberty Financial. Ultimately this will allow you to get a sense of which non-bank lender might be the right fit for you.

In this episode, we answer a question from a listener of the show. They want to know what they should do after they've paid off their personal home loan.  We go through the different options and compare the returns they could get from investing in property, shares or something else.  Ultimately this means you can decide what the right decision might be for you.

In this episode, we discuss how this couple – Steph and Bayley – will retire at 65 with $150k in passive income ... without relying on the government superannuation.  This includes a look at how much these property investors were earning and what they need to do to close their Wealth Gap.

In this episode, we discuss whether standalone car parks are a good investment for property investors.  This includes an analysis of the price, lending, rent and returns investors can expect if they start to invest in car parks.  We also go through how prevalent the opportunity is, and where these investments tend to be located.

In this episode, we discuss whether it's the end of capital growth for property investors and homeowners in the New Zealand property market. We discuss house price to income ratios and go through the logic as to why they matter very little to most buyers in the New Zealand property market. We also mention our upcoming How to Invest in Property 'The Right Way' in 2022 webinar, which is on Tuesday 2nd August at 7pm. Click the link to register.

In this episode, we discuss a case study of a listener of the show, who wants to know whether he should purchase his forever home first, or start investing in property.  We discuss the pros and cons of both so you can make the right decision for you.   We also mention our upcoming  How to Invest in Property 'The Right Way' in 2022 webinar, which is happening on Tuesday 2nd August at 7pm. Click the link to register.

In this episode, we discuss which parts of New Zealand are most vulnerable to house price drops. This includes which areas have already fallen the fastest. And you can use this map to see the areas that have already fallen in value most quickly. You can also use this map to see which areas have the greatest opportunities for house prices to recover more quickly.   Want to get Andrew's weekly Private Property newsletter? Click the link to sign up for free.

In this episode, we discuss whether Show Homes make good investment properties. This includes a look at how the leases are structured and what happens after the developer no long needs your property as a show home.

In this episode, we discuss the incentives that are currently being offered by banks, both for property investors and owner occupiers.  This includes some cash backs that go up to $20,000 by some banks. We go through who is eligible, and whether taking the largest cash back always gives the best deal.

In this episode, we discuss how Andrew helped these property investors use property to sort their retirement.

In this episode, we discuss a recent Tenancy Tribunal ruling and what it means for property investors.  Specifically, we tell the story of a landlord who was owed over $6,000 in missed rent from the tenant. We discuss what the tenancy tribunal did and what it means for the wider property investment community.

In this episode, we discuss whether properties in Rotorua are good investment. This includes a look at the Rotorua property market and how expensive it is compared to other parts of New Zealand.  We also look at the rental yields, the expected population growth and how the city might change over time. 

In this episode, we are joined by real estate agent and friend of the show, Micky Limmer, to discuss the 4 ways you can exit a new build while it's still under construction. This includes using a contemporaneous settlement to sell the property to someone else, using a nomination, and settling the property before selling it.  This allows property investors to exit out of a new build if their circumstances have changed.

In this episode, we discuss what property investors need to know about re-cladding a house. This includes how much of the cladding needs to be replaced for the property to be considered a new build.  We also go through the costs and process for re-cladding a house, so you can decide whether it's worth purchasing a property that needs to be re-clad.

In this episode, we are joined by Peter Norris to discuss how investors can get Settlement Ready when they have a new build under construction.  This includes a discussion on the exact point where you are able to approach the banks to get a pre-approval ... and how to get the right information from the developer.  Want to find old episodes of the podcast? Check out the Property Academy podcast archive, this is where you can search through every podcast we have ever released.

In this episode, we discuss how long a property market downturn lasts in New Zealand.  We dig through the data and analyse the previous times when the New Zealand property market entered a downturn. Ultimately, this can be used by property investors to get a sense of how long the current downturn will last, and how long it will take for the market to recover.

In this episode, we are joined by Kathy Faulkner – a property investor and financial adviser – to discuss a case study of a couple she's been working with.  Kathy walks us through their story, how the investors purchased a property form a company that is now in receivership, and how they are now on track for a sizeable passive income. 

In this episode, we discuss how much deposit Kiwi property investors and first home buyers need in order to purchase different types of properties.  This includes a look at the general guidelines, but also ways to borrow and buy outside of those guidelines too.

In this episode, we discuss the 4 steps that property investors should take to get started putting their money in real estate.  This includes getting educated, setting your buying criteria, getting the finance, and actually making your first investment. We also mention that you can find any episode we have ever done in the Property Academy podcast archive.

In this episode, we discuss and debunk several false or misleading property investment headlines and interrogate whether certain claims by news organisations are correct.  The headlines we refer to are:  Surging mortgage rates,  Day of Reckoning,  New Zealand banks predict 20% drop in house prices,  Reserve Bank says housing investment no longer one-way bet for Kiwis

In this episode, we discuss how to choose the right unit or townhouse within a development. This includes diving into which factors really matter ... and which ones you don't have to worry about too much. Ultimately this allows you to have the confidence to know what to look for when choosing the right property for your portfolio. Got a question you want covered on the show? Suggest a topic using the podcast question form.

In this episode, we are joined by Danubia Paim from Opes Accelerate to discuss her property investment journey. She shares how she grew up in a tiny apartment in Brazil, before moving to New Zealand. We go through all the details, including how she lost $50k through a property coaching company, and what she learned in the process. Got a topic you'd like us to talk about on the podcast? Suggest a topic using the podcast question form.

In this episode, we discuss when and how to use a revolving credit as part of your property investment strategy. This includes what a revolving credit is and how they work with other types of mortgages that you might use. Got a question that you'd like us to answer on the podcast? Send through your topic suggestions by using the podcast question form.

In this episode, we discuss a case study of a pair of property investors who are on track to build a $200k passive income over the next 20 years. We talk through their current investment properties and how on track they are to hit their goals. We also mention that if you have a topic you'd like us to talk about on the podcast, you can suggest a topic here.

In this episode, we discuss the NZ Property Investor Federation's 5-point plan for fixing the rental crisis in New Zealand.  This includes a discussion about whether there is a rental crisis, and also reviewing. the best 3 and worst 3 ideas from the federation's report.  Want to read the report yourself? Here is the link to the plan, and also a link to where you can sign up for the Opes Partners 2022 NZPIF Conference.  Got a question you want answered on the podcast? Send in your podcast topics here.

In this episode, we discuss whether meth tests are still worth it for New Zealand property investors.  This includes a deep dive into the facts as presented in the Gluckman report into Methamphetamine contamination, so you can decide whether or not a meth test is right for you. We also mention our new podcast topic suggestions form, where you can suggest a topic for the podcast.

In this episode, we discuss how one property investor will save $56,000 by using a quirk in the bright line test. We go through what the quirk is, as well as what other investors would need to do in order to get a similar result by using the bright line test in this way.

In this special bonus episode, you'll hear the audio from the recent Opes Property Live webinar where we looked at Predictions for Property in the next 12 months, the strategies to use and the best places to purchase your investment property.

In this episode, we discuss how the IRD has applied to liquidate Propellor Property Investments and two other associated companies. We go through what this means for Propellor clients who have a build under way, as well as how property investors can protect themselves in these situations.  If you like the podcast, your next step is to subscribe to the Opes Partners YouTube channel. We release 2 new videos every week.

In this episode, we discuss whether Napier (in Hawke's Bay) is a good place for Kiwi property investors to purchase real estate. We look at the anticipated population growth in the district, how productive the economy is, and how expensive house prices are compared to incomes.

In this episode, we discuss 5 key statistics relating to property investment that investors need to learn by heart. These include numbers relating to home ownership, the pace at which properties increase in value, and rental and income growth. We also mention our upcoming property investment webinar, "Property in the Next 12 Months - What Can I Expect?", which is on tomorrow at 7pm. Click the link to register.

In this episode, we are joined by Stevie Waring to discuss a case study of a pair of investors who plan to build a $105k passive income in just 10 years. This includes a run down of their financial situation, so you can identify whether you might be in the same situation and see whether a similar approach might be right for you.

In this episode, we discuss which works out better financially – renting or owning property.  This includes a deep dive into the numbers based on our new financial model, which you can download here. We also walk through the pros and cons (of both) which can't be captured within the numbers.

In this episode, we discuss one of the biggest risks for property investors in today's market. That is the risk that you're unable to settle on a property you're unconditional on.  We walk through what you need to do to get settlement ready, as well what you're alternatives are if you genuinely can't settle.

In this episode, we discuss whether property investors should stay engaged with the New Zealand housing market. This includes both the pros and cons, which are loosely based on analysis completed by independent economist, Tony Alexander. Ultimately this allows you to decide whether or not you should stay engaged with the market, or sit on your hands.