The Property Academy Podcast
Episodes
Recently Announced: LVR Changes – What They Mean For Investors | Ep. 236
04 May 2020
Contributed by Lukas
In this episode, we discuss the RBNZ's recently announced LVR changes and what they mean for property investors in New Zealand. We also discuss what a...
How Many Properties Do NZ Investors Really Own? | Ep. 235
03 May 2020
Contributed by Lukas
In this episode, we discuss how many properties New Zealand investors really own, and the distribution of those investors. What we found is that...
5 Reasons Why The Property Market Might Not Fall In Value As Much As You Think | Ep. 234
02 May 2020
Contributed by Lukas
In this episode, we discuss 5 reasons why the property market in New Zealand may not drop in value by as much as you would otherwise think. These reas...
Cheat on the Bank ... They'll Give You More Money | Ep. 233
01 May 2020
Contributed by Lukas
In this episode, we discuss split banking and why you can get more money from the bank if you cheat it on it with another. This is because when ...
5 Strategies to Get More Money From the Bank and Pass the Income Stress Tests | Ep. 232
30 Apr 2020
Contributed by Lukas
In this episode, we discuss 5 different strategies that you can use to pass the bank's servicing stress test. Whenever you apply for a mortgage from t...
The Best Place to Get Data When Considering an Investment Property | Ep. 231
29 Apr 2020
Contributed by Lukas
In this episode, we discuss a new data source from QV that investors can use when considering investments in different areas. While the tool can...
New Data: How Were House Prices Trending Right Before Lockdown | Ep. 230
28 Apr 2020
Contributed by Lukas
In this episode, we discuss recently released data from the Real Estate Institute of New Zealand. This house price and volume data covers properties t...
Review: Proportional Property Ownership ... An Unbiased Review on the Pros and Cons | Ep. 229
27 Apr 2020
Contributed by Lukas
In this episode, we discuss a particular proportional property ownership model that is currently being promoted by a property investment company withi...
Major Update: LVR Restrictions to be Eased ... Market to Get Hot | Ep. 228
26 Apr 2020
Contributed by Lukas
In this episode, we discuss the Reserve Bank's recent announcement that it will scrap the Loan to Value Restrictions for a period of 12 months. ...
Special Show: with the NZ Everyday Investor Podcast. Part 2: Forces for Good in the Property Market | Ep. 227
25 Apr 2020
Contributed by Lukas
In this episode, Andrew and Ed feature on the NZ Everyday Investor Podcast, which is hosted by Darcy Ungaro. Darcy recently asked us to come on the sh...
Special Show: with the NZ Everyday Investor Podcast. Part 1: Forces for Bad in the Property Market | Ep. 226
24 Apr 2020
Contributed by Lukas
In this episode, Andrew and Ed feature on the NZ Everyday Investor Podcast, which is hosted by Darcy Ungaro. Darcy recently asked us to come on the sh...
Why First Home Buyers Can't Buy a Do-up And What the Opportunity Is For Investors | Ep. 225
23 Apr 2020
Contributed by Lukas
In this episode, we discuss why first and second home buyers often can't buy a do-up and why that presents an opportunity for property investors. A co...
Why Property's Get More Profitable Over Time & the 8th Wonder of the World | Ep. 224
22 Apr 2020
Contributed by Lukas
In this episode, we discuss compounding growth and why small differences in capital growth rates quickly add due to the compounding nature of property...
What Coronavirus Level #3 Means For the Property Market | Ep. 223
21 Apr 2020
Contributed by Lukas
In this episode, we discuss how the property market will operate under Level 3, and how cour advice has changed now that we are moving through to leve...
4 Ways To Live Off Your Property Portfolio | Ep. 222
20 Apr 2020
Contributed by Lukas
In this episode, we discuss different ways to live off your property portfolio. There are four ways we discuss, each with their pros and cons: Using...
Strategies To Supercharge Your Property Portfolio | Ep. 221
19 Apr 2020
Contributed by Lukas
In this episode, we discuss how you can go from 2 properties to 5 properties and beyond. At some point, many investors hit a wall and the bank stops l...
How To Pay Your Mortgage Off Faster – What Homeowners Need to Know | Ep. 220
18 Apr 2020
Contributed by Lukas
In this episode, we discuss how to pay your mortgage off faster so that you can get in the position to invest in property. During the show we give the...
Review: Golden Homes – Should You Buy an Investment Property From Golden Homes | Ep. 219
17 Apr 2020
Contributed by Lukas
In this episode, we discuss whether you should buy an investment property from Golden Homes. Golden homes sits at the slightly premium end of th...
How to Use Other People's Money to Invest | Ep. 218
16 Apr 2020
Contributed by Lukas
In this episode, we discuss how to use other people's money to invest. Essentially, this is the concept of leverage. When you invest in property, you ...
The Real Reasons Why Kiwis Invest in Property | Ep. 217
15 Apr 2020
Contributed by Lukas
In this episode, we dig into some of the results from a survey we are currently running that digs into the real reasons why people invest in property....
How Are Real NZ Investors Feeling Right Now? | Ep. 216
14 Apr 2020
Contributed by Lukas
In this episode, we discuss how real investors are feeling about the property markets' prospects during the Covid-19 induced shutdown. This data...
Which Areas Are At Most Risk From an Airbnb Onslaught? | Ep. 215
13 Apr 2020
Contributed by Lukas
In this episode, we discuss the areas of New Zealand that are most at risk from an onslaught of Airbnbs converting into residential tenancies. T...
Auckland vs Christchurch – Which Will Weather the Covid-19 Storm Better? | Ep. 214
12 Apr 2020
Contributed by Lukas
In this episode, we discuss whether Auckland or Christchurch will weather the Covid-19 storm better in terms of property prices. This was the mo...
Degentrification – Should You Invest in New Brighton, Christchurch? | Ep. 213
11 Apr 2020
Contributed by Lukas
In this episode, we discuss the concept of de-gentrification, where an area with significant economic activity begins to lose it. We apply this concep...
Could This Be the Saving Grace of NZ's Small Town Property Markets? | Ep. 212
10 Apr 2020
Contributed by Lukas
In this episode, we discuss whether Ultra Fast Broadband could be the savings grace for New Zealand's small-town property markets. Our conclusio...
Why Would Easier Access to Debt Lead to Higher House Prices? | Ep. 211
09 Apr 2020
Contributed by Lukas
In this episode, we answer a listener's question, which stems from an earlier episode we recorded. In that episode (#208) we discussed three speculati...
Survey Responses: How Is The Property Market Operating Under Lock Down? | Ep. 210
08 Apr 2020
Contributed by Lukas
In this episode, we discuss how the property market is operating under the Covid-19 induced shutdown. This is based on real data collected by Tony Ale...
Listener Question: What Factors to Look for Before You Invest & What to Look For When Adding Value | Ep. 209
07 Apr 2020
Contributed by Lukas
In this episode, we discuss what to look for before you purchase a property, and in particular what to look for if you want to add value to the proper...
3 Scenarios That Would Make the Market Go Berserk | Ep. 208
06 Apr 2020
Contributed by Lukas
In this episode, we discuss a recent blog written by Ed with 3 speculative scenarios that would make the property market heat up. These are: The max...
Coronavirus Update: The Data You Should Look at Based on Your Strategy | Ep. 207
05 Apr 2020
Contributed by Lukas
In this episode, we discuss the data you should be looking at based on your property investment strategy. renovation – purchase price and ho...
What Happens Between Going Unconditional and Settlement? | Ep. 206
04 Apr 2020
Contributed by Lukas
In this episode, we discuss the steps between going unconditional on a property and settlement. These steps include: paying your deposit into a...
What Happens If I Buy a Property For More than It's Worth? | Ep. 205
03 Apr 2020
Contributed by Lukas
In this episode, we discuss what happens if you come to settle a property, and it is worth less than the purchase price? This is most important for in...
Coronavirus: Mortgage Holiday Scheme – What Property Owners Need to Know | Ep. 204
02 Apr 2020
Contributed by Lukas
In this episode, we are joined by Peter Norris from Lateral Partners to discuss the Mortgage Holiday Scheme that is currently available as part of the...
Average Rents Hit Another Record High | Ep. 203
01 Apr 2020
Contributed by Lukas
In this episode, we discuss how median rents in New Zealand hit a record high in February 2020. In that month the median rent hit $520 per week, up fr...
How Coronavirus Might Change Your Investment Strategy | Ep. 202
31 Mar 2020
Contributed by Lukas
In this episode, we discuss how the Coronavirus might change your investment strategy. The decrease in interest rates have two effects: They decreas...
Interest Rates Set to Fall Further – Details of the RBNZ's LSAP | Ep. 201
29 Mar 2020
Contributed by Lukas
In this episode, we discuss the Reserve Bank's announcement that it will use unconventional monetary policy to decrease interest rates further. The Re...
On the Ground in the Christchurch Property Market | Ep. 200
29 Mar 2020
Contributed by Lukas
In this episode, Micky Limmer from Bayleys Canterbury joins the show to talk about the current dynamics of the Christchurch property market. Mic...
How to Decrease Your Tenants' Rent During the Coronavirus Shutdown the Right Way | Ep. 199
28 Mar 2020
Contributed by Lukas
In this episode, we discuss how to decrease your tenants' rent during the Coronavirus shut down the right way. Some New Zealanders are doing it ...
Covid-19 Mortgage Holiday Scheme – What We Know | Ep. 198
27 Mar 2020
Contributed by Lukas
In this episode, we discuss the proposed and accepted mortgage repayment holidays that the major retail banks will be offering due to the Coronavirus ...
Advice to Property Investors In Coronavirus Isolation | Ep. 197
26 Mar 2020
Contributed by Lukas
In this episode, we share the advice we are currently giving to clients while they are under isolation as part of New Zealand's coronavirus outbreak. ...
Questions to Ask a Real Estate Agent Before You List | Ep. 196
25 Mar 2020
Contributed by Lukas
In this episode, Micky Limmer from Bayleys Canterbury joins the show to talk about the questions you should ask real estate agents when you are planni...
How to Get Top $$ When You Sell Your Property | Ep. 195
24 Mar 2020
Contributed by Lukas
In this episode, Micky Limmer from Bayleys Canterbury joins the show to discuss how to get the most money possible when selling your properties. Along...
Can You Vote Left and Be a Landlord? | Ep. 194
23 Mar 2020
Contributed by Lukas
In this episode, we discuss whether you can vote left and still be a landlord. We acknowledge that while National has more landlord-friendly policies,...
Gentrification – What Investors Need to Know | Ep. 193
22 Mar 2020
Contributed by Lukas
In this episode, we discuss gentrification. Gentrification occurs when a suburb or town begins to become more trendy and upmarket because the type of ...
How to Set Buying Rules For Yourself | Ep. 192
21 Mar 2020
Contributed by Lukas
In this episode, we discuss how to set buying rules for yourself. Buying rules are a concept in property investment where you set some restrictions ab...
Will My Mortgage Repayments Go Up If I Use Equity in My Home? | Ep. 191
20 Mar 2020
Contributed by Lukas
In this episode, we discuss whether using equity in your home to purchase an investment property will increase your mortgage repayments. When yo...
Why the Government and the RNZ Want Your House Price to Go Up | Ep. 190
19 Mar 2020
Contributed by Lukas
In this episode, independent economist, Tony Alexander joins the show. Tony is one of the most respected economic writers in the country and for...
Tony Alexander Answers: How Long Can Interest Rates Stay Low? | Ep. 189
18 Mar 2020
Contributed by Lukas
In this episode, independent economist, Tony Alexander joins Ed and Andrew to discuss how long interest rates can stay low. Many listeners will ...
Tony Alexander Answers: Is there a housing shortage in NZ? | Ep. 188
17 Mar 2020
Contributed by Lukas
In this episode, Tony Alexander, an independent economist, joins the show to answer: do we have a housing shortage in New Zealand? Being the good econ...
Tony Alexander Reveals What Makes House Prices Go Up | Ep. 187
16 Mar 2020
Contributed by Lukas
In this episode, independent economist, Tony Alexander joins the podcast. Tony was the Chief Economist at BNZ for almost 25 years before striking out ...
Tony Alexander Compares Christchurch With the Rest of the Country | Ep. 186
15 Mar 2020
Contributed by Lukas
In this episode, Tony Alexander joins Ed and Andrew on the podcast. Tony Alexander was the Chief Economist at BNZ for almost 25 years and is one...
How to Transition Your Portfolio from Growth to Cashflow | Ep. 185
14 Mar 2020
Contributed by Lukas
In this episode, we discuss how to transition from a capital growth property portfolio into a positive cash flow portfolio. This is a topic Andr...
How Long It Takes For a Mortgage to Get Approved? | Ep. 184
13 Mar 2020
Contributed by Lukas
In this episode, we discuss the turnaround time it takes to get a mortgage approved in New Zealand. Right now the banks can take up to 7 busines...
Revealed: How Property Coaches Get Paid? | Ep. 183
12 Mar 2020
Contributed by Lukas
In this episode, we reveal exactly how property coaches get paid and a few common misconceptions about property coaches. There are different typ...
Fears That Stop People Investing – The Unknown | Ep. 182
11 Mar 2020
Contributed by Lukas
In this episode, we discuss another fear that holds people back from getting start as investors – fear of the unknown. Perhaps there's something in ...
How You Can Make Your Voice Heard as a Landlord | Ep. 181
10 Mar 2020
Contributed by Lukas
In this episode, we discuss how you can make your voice hear in regards to the proposed changes to the Residential Tenancies Act. The Auckland Propert...
Legal Changes For Landlords – What Investors Need to Know | Ep. 180
09 Mar 2020
Contributed by Lukas
In this episode, we are joined by Sarina Gibbon from the Auckland Property Investors Association (APIA). APIA and the New Zealand Property Investors F...
Is the Property Market Hot? What Real Estate Agent's Think | Ep. 179
08 Mar 2020
Contributed by Lukas
In this episode, we discuss what real estate agents think about the current state of the NZ property market. This is based on a survey of Barfoo...
Don't Believe the Data – Parnell's Gross Yields | Ep. 178
07 Mar 2020
Contributed by Lukas
In this episode, we discuss that you shouldn't always believe the data you read ... or rather that you should take the time to read into it more. ...
Key Concepts: Deferred Capital Maintenance – What Investors Need to Know | Ep. 177
06 Mar 2020
Contributed by Lukas
In this episode, we discuss another difference between investing in small towns and larger cities – deferred capital maintenance. Every investor acc...
How to Not Get Screwed By a Developer | Ep. 176
05 Mar 2020
Contributed by Lukas
In this episode, we discuss a couple of recent stories that have developed in the media where young first home buyers were on the wrong end of a sunse...
Is the Government Attacking Landlords? Deep Dive into the Residential Tenancies Act | Ep. 175
04 Mar 2020
Contributed by Lukas
In this episode, we discuss the proposed changes to the Residential Tenancies Act, which are being brought forward by the Labour government. The propo...
6 Things That Can Go Wrong With New Properties and How to Solve Them | Ep. 174
03 Mar 2020
Contributed by Lukas
In this episode, we discuss the 6 things that can go wrong with investing in brand new properties and how to solve them. 1. Overpaying for a property ...
How Long Does It Take To Sell a Property? | Ep. 173
02 Mar 2020
Contributed by Lukas
In this episode, we discuss how long it takes to sell a property in different regions around New Zealand, along with a few surprising insights for pro...
Coronavirus – Should You Not Buy Property Because of It? | Ep. 172
02 Mar 2020
Contributed by Lukas
In this episode, we discuss whether you should not buy property, or put off that decision because of Coronavirus. In general, the answer is no. While ...
Why You Want Your Development to Have a Mix of Investors and Owner Occupiers | Ep. 171
29 Feb 2020
Contributed by Lukas
In this episode, we discuss why it is preferred to have a mix of owner-occupier and investors within your development. This is generally for thr...
The 4 Core Title-types in the NZ Property Market | Ep. 170
28 Feb 2020
Contributed by Lukas
In this episode, we discuss the four different titles that are used in the New Zealand property market. These are: Freehold, also known as fee-simpl...
Can small towns really deliver yields x2 as high as bigger cities? | Ep. 169
27 Feb 2020
Contributed by Lukas
In this episode, we discuss that it is often thought that smaller towns will deliver yields that are x2 as high as bigger cities. While that might be ...
The 3 Types of Trading Properties You Can Use | Ep. 168
26 Feb 2020
Contributed by Lukas
In this episode, we discuss the 3 different types of property trading strategies you can use. Previous listeners have asked whether renovation i...
What Sort of Retirement Lifestyle Do Most Kiwis Want? | Ep. 167
25 Feb 2020
Contributed by Lukas
In this episode, we discuss a report released a few years back by the Financial Markets Authority, with research conducted by Colmar Brunton. Th...
Is My Apartment Too Small To Get a Loan From a Bank? | Ep. 166
24 Feb 2020
Contributed by Lukas
In this episode, we discuss bank lending on apartments, and the minimum square metre size requirements to get a home loan. Each bank has slightl...
Which Auckland Suburb Prices Grow the Fastest? | Ep. 165
23 Feb 2020
Contributed by Lukas
In this episode, we discuss which suburb prices grew the fastest in the Auckland property market over the last 20-odd years. We discuss the tren...
8 Ways to Make Better Decisions Using Data | Ep. 164
22 Feb 2020
Contributed by Lukas
In this episode, we discuss 8 places we get our data from so we can make better property investment decisions. The 8 sources are: Statistics NZ for ...
How to Buy Property With No Money Down | Ep. 163
21 Feb 2020
Contributed by Lukas
In this episode, we discuss the concept of buying property with "no money down". This is where you are able to use the equity within your own home to ...
Update: The Reserve Bank Holds the OCR at 1.0% | Ep. 162
20 Feb 2020
Contributed by Lukas
In this episode, we discuss the Reserve Bank's decision to leave the OCR unchanged at a record low of 1.0%. There were 3 factors identified in t...
The Only 3 Ways to Make Money in Real Estate | Ep. 161
19 Feb 2020
Contributed by Lukas
In this episode, we discuss the three ways to make money in property investment. These are: Capital gains – changing market conditions increase t...
Book Review – Graeme Fowler, "20 Properties in 1 Year" | Ep. 160
18 Feb 2020
Contributed by Lukas
In this episode, we review the book "20 Properties in One Year" by Graeme Fowler. In the book, Graeme talks about yield v.s. capital growth, and we di...
Crucial Elements of a Cashflow Statement and How Much It Actually Costs to Own a Rental Property | Ep. 159
17 Feb 2020
Contributed by Lukas
In this episode, we discuss the crucial elements of a property investment cashflow statement and compare 2 different cashflow statements for the same ...
7 Things to Look For When Choosing a Developer to Purchase From | Ep. 158
16 Feb 2020
Contributed by Lukas
In this episode, we discuss 7 things you can look for when choosing to purchase an investment property from a developer. It's increasingly popul...
Why You Need to Make More Money | Ep. 157
15 Feb 2020
Contributed by Lukas
In this episode, we discuss why you need to make more money ... and why building your wealth is not a bad thing. Some people in modern society t...
7 Ways Landlords Insurance Can Protect You | Ep. 156
14 Feb 2020
Contributed by Lukas
In this episode, we discuss the 7 instances where landlords insurance can protect you. These 7 instances aren't available through all insurance polici...
7 Things to Look For In a Rental Property | Ep. 155
13 Feb 2020
Contributed by Lukas
In this episode, we discuss the seven things you should look for within a rental property. These are: There is a good mix of capital gain and ...
The Rule of 20 in Retirement Planning | Ep. 154
12 Feb 2020
Contributed by Lukas
In this episode, we discuss what the Rule of 20 is in retirement planning and how it works. This is a rule of thumb, which says that once ...
Valuations – What They Are and How They Differ | Ep. 153
11 Feb 2020
Contributed by Lukas
In this episode, we discuss all the different types of valuations. These include: CV – Council Value / RV – Rateable Value / GV – Go...
What Happens If Canterbury Has Another Earthquake? | Ep. 152
10 Feb 2020
Contributed by Lukas
In this episode, we discuss what happens if a natural disaster hits your property and how the Canterbury earthquakes have impacted building standards ...
Update: BNZ Is No Longer Offering Pre-Approvals to non-bank Customers | Ep. 151
09 Feb 2020
Contributed by Lukas
In this episode, we discuss how BNZ is no longer offering pre-approvals to non-bank customers. This has some far-reaching implications for property in...
Why Are The Properties Property Coaches Show Me More Expensive Than Developers? | Ep. 150
08 Feb 2020
Contributed by Lukas
In this episode, we discuss why properties are sometimes more expensive when you buy a property through a property coach than if you look on a develop...
Your Property Investment Strategy – The First Crucial Steps | Ep. 149
07 Feb 2020
Contributed by Lukas
In this episode, we discuss how to figure out what you want in a property investment strategy. Andrew and Ed go through a model that Opes has created ...
The Top 5 Problems With Investment Property & Solutions | Ep. 148
06 Feb 2020
Contributed by Lukas
In this episode, we discuss the top problems and issues that investors usually come across when investing in property (and how to solve them). We disc...
Ringfencing – What Investors Need to Know | Ep. 147
05 Feb 2020
Contributed by Lukas
In this episode, we discuss ringfencing, what it is and how property investors can combat these recent tax changes. From April 2019 property inv...
Depreciation – Everything Investors Need to Know | Ep. 146
04 Feb 2020
Contributed by Lukas
In this episode, we discuss depreciation. Depreciation is when the value of the things inside your home gradually decrease in value. It's a cost to yo...
Overseas Investors Getting Into the Property Market | Ep. 145
03 Feb 2020
Contributed by Lukas
In this episode, we discuss the restrictions put in place on foreign residential property buyers from the Overseas Investment Act. Under the current r...
Interest Only Loans – What Investors Need to Know | Ep. 144
02 Feb 2020
Contributed by Lukas
In this episode, we discuss interest-only loans – how to get them, how the banks treat them in today's market and when investors should use them. Ma...
How to Tell If the Advice You're Getting Is Bad Advice | Ep. 143
01 Feb 2020
Contributed by Lukas
In this episode, we discuss how to tell if the property investment advice you are receiving is bad advice. This comes off the back of a recent client ...
How to Choose a Property Coach | Ep. 142
01 Feb 2020
Contributed by Lukas
In this episode, we discuss how to choose a property coaching company. Every property coaching company is likely to recommend and promote a specific s...
How Many Properties Do You Need? | Ep. 141
30 Jan 2020
Contributed by Lukas
In this episode, we discuss that contrary to popular belief you don't need to buy as many houses as you can. You don't need to go out and invest in 80...
How to Spot a Property Slump | Ep. 140
29 Jan 2020
Contributed by Lukas
In this episode, we discuss how to spot a slump in the property market, with specific reference to Christchurch and the Canterbury earthquakes. Our ke...
Is There An Over-supply of Properties in Christchurch | Ep. 139
28 Jan 2020
Contributed by Lukas
In this episode, we discuss whether there is an oversupply of property in Christchurch – with specific reference as to whether Christchurch mig...
Addington, Christchurch – What Property Investors Need to Know | Ep. 138
27 Jan 2020
Contributed by Lukas
In this episode, we discuss the Christchurch suburb of Addington and whether we believe it is a good place to invest. Addington has had the 3rd ...
Should I Sell My Small Town Investment and Buy In the Main Centre? | Ep. 137
26 Jan 2020
Contributed by Lukas
In this episode, we discuss a question sent in my another listener, which says: "I already have an investment property in Whangarei, should I buy anot...