The Property Academy Podcast
Episodes
Here's What Real Estate Agents Are Seeing In the Market. Right Now | Ep. 294
01 Jul 2020
Contributed by Lukas
In this episode. we discuss how the property market is currently functioning based in the responses received from the June REINZ / Tony Alexander Real...
Borrow Too Much From One Bank And You'll Become A Commercial Customer ... Here's Why You Don't Want That to Happen | Ep. 293
30 Jun 2020
Contributed by Lukas
In this episode, we discuss what it means to become a commercial customer to the bank, along with the triggers of when you'll become a commercial cust...
"House Prices Won't Double Over the Next 10-15 Years" – The Great Debate | Ep. 292
29 Jun 2020
Contributed by Lukas
In this episode, we discuss one reason why house prices might not double over the next 10-15 years. This is based on the argument that house price inf...
Should I Buy My First Home or First Investment Property? 5 Scenarios For How to Get Both More Quickly | Ep. 291
28 Jun 2020
Contributed by Lukas
In this episode, we discuss whether you should buy your first home or first investment first, with a real worked case study from a fellow listener.&nb...
Syndicated Investment – How to Fail And How to Do It Right | Ep. 290
27 Jun 2020
Contributed by Lukas
In this episode, we discuss syndicated property investment, including how to fail and how to do it right. We kick off the episode by profiling 3 faile...
The Govt. Just Announced They'll Now Lend $4,000 To Tenants Who Can't Pay Their Rent | Ep. 289
26 Jun 2020
Contributed by Lukas
In this episode, we discuss a new announcement from the Ministry of Social Development. In this announcement, the government will give up to $4,000 to...
Investor Case Study: How Julian Ellis Grew a Mid-Sized Property Portfolio Without Renovating | Ep. 288
25 Jun 2020
Contributed by Lukas
In this episode, we are joined by Julian Ellis, a property investor and property partner at Opes based in Christchurch. In this episode, Julian shares...
Listener Question: Is There An Alternative Strategy To Renovations? | Ep. 287
24 Jun 2020
Contributed by Lukas
In this episode, we discuss whether there is an alternative to renovating properties as an investment strategy. This is a question Serena, a fellow li...
Major Announcement: Opes Buys .... (Listen to Find Out) & 3 Property Investment Case Studies | Ep. 286
23 Jun 2020
Contributed by Lukas
In this episode, we discuss how Opes has just acquired JUNO magazine, New Zealand's only investment magazine, which is published quarterly. We ...
Part 2 – Update on Hamilton, Is It The City of the Future For Property Investors? | Ep. 285
22 Jun 2020
Contributed by Lukas
In this episode, we follow on from our previous episode which looked into whether Hamilton was a good city to invest in for long term buy and hold pro...
Update on Hamilton – Is It the City of the Future For Property Investors? | Ep. 284
21 Jun 2020
Contributed by Lukas
In this episode, we discuss some of the long term terms that make Hamilton an attractive city to invest in for buy and hold investors. In parti...
New Data: Here's How Many Airbnbs Have Really Come Off the Market Since Lockdown | Ep. 283
20 Jun 2020
Contributed by Lukas
In this episode, we discuss new data that we have collected to show how many current active whole-home Airbnbs are available in each district of New Z...
Building Consents Soon Will No Longer Be Needed For Low Risk Work ... What Investor Need to Know | Ep. 282
19 Jun 2020
Contributed by Lukas
In this episode, we discuss proposed changes to New Zealand's Building Act, which will mean that low-risk works will no longer require council consent...
Auckland v.s Wellington v.s Christchurch Apartments ... Which Will Rise and Which Will Fall? | Ep. 281
18 Jun 2020
Contributed by Lukas
In this episode, we discuss and compare the apartment markets in Auckland, Christchurch and Wellington, to determine which have the greatest potential...
Case Study: Real Investor Buys 5 Properties In 18 Months Starting With $30k Deposit ... Here's How He Did It | Ep. 280
17 Jun 2020
Contributed by Lukas
In this episode, we discuss a recent story from the Property Investor Magazine, featuring New Zealand property investor, Michael Burge. Michael start...
Median NZ House Price Falls $60,000! ... But Here's Why You Shouldn't Be Concerned ... At All | Ep. 279
16 Jun 2020
Contributed by Lukas
In this episode, we discuss the latest market figures from the Real Estate Institute of New Zealand for the month of May. We walk through how N...
"Some Rents Cut By 50%" ... A Real Update on the Queenstown Rental Market ... All Is Not What It Appears | Ep. 278
15 Jun 2020
Contributed by Lukas
In this episode, we discuss how the Queenstown rental market is operating after the Covid-19 induced shutdown. Although multiple stories are hi...
How Banks Calculate Uncommitted Monthly Income (UMI) And How it Impacts Your Borrowing | Ep. 277
14 Jun 2020
Contributed by Lukas
In this episode, we discuss how banks calculate Uncommitted / Unencumbered Monthly Income and how that number impacts your maximum ability to borrow f...
Confrontation, Arguments, Disputes and Dealing With Grumpy People In Property Investment | Ep. 276
13 Jun 2020
Contributed by Lukas
In this episode, we discuss how to deal with confrontation within property investment and hear some of Andrew's personal stories where he has had to d...
What's The Value of Adding An Extra Bedroom to a Rental Property – Here's What the Numbers Say | EP. 275
12 Jun 2020
Contributed by Lukas
In this episode, we discuss what the value of adding an extra bedroom to an existing property is and how that changes based on the region of New Zeala...
Should You Buy a Timeshare? The Answer Won't Surprise You | Ep. 274
11 Jun 2020
Contributed by Lukas
In this episode, we discuss whether you should buy a timeshare and whether it counts as an investment property or not. The answer should not surprise ...
"What Do I Do In-between Buying Properties?" | Ep. 273
10 Jun 2020
Contributed by Lukas
In this episode, we discuss what you should do in-between purchasing properties and adding them to their property portfolio. The key steps you ...
How to Set Realistic Property Investment Goals – The Kindest Truth Is Sometimes the Hardest | Ep. 272
09 Jun 2020
Contributed by Lukas
In this episode, we discuss how to set realistic property investment goals. This includes walking through a few unrealistic goals, both for long term ...
Fundamental Concept: Contemporaneous Settlements – How to Buy Properties Without Paying For Them | Ep. 271
08 Jun 2020
Contributed by Lukas
In this episode, we discuss contemporaneous settlements and how you can use someone else's money in order to make more money in property. A con...
Inside Core Logic's Evaluer Algorithm and What Investors Need to Know | Ep. 270
07 Jun 2020
Contributed by Lukas
In this episode, we discuss Core Logic's evaluer, which provides an electronic valuation of every property in New Zealand. That valuation is ba...
Important Update: BNZ Changes Lending Policy Again! And Other Bank Updates | Ep. 269
06 Jun 2020
Contributed by Lukas
In this episode, we discuss a few important updates that have recently been announced by BNZ and ASB sound their lending policies. Banks are ra...
Be Careful: A Cautionary Tale About Airbnb and Why You Can't Always Believe What You Read | Ep. 268
05 Jun 2020
Contributed by Lukas
In this episode, we discuss why you can't always believe what you read in a developer's marketing materials, with a special focus on a recent article ...
Listener Question: What Does Going "Unconditional" Mean, And How Does It Fit Into the Property Buying Process? | Ep. 267
04 Jun 2020
Contributed by Lukas
In this episode, we discuss what going unconditional means. This is a question received from George who is based in Queenstown. We explain that...
Will House Prices Really Double in the Next 10-15 Years? | Ep. 266
03 Jun 2020
Contributed by Lukas
In this episode, we discuss a questioner that has recently been submitted by another Property Academy Podcast listener, this time from Hamilton. They ...
How to Make Yourself Look Really, Really Good to a Banker | Ep. 265
02 Jun 2020
Contributed by Lukas
In this episode, we answer a listener question, which was: how do you make yourself look better in the bank's eyes when applying for credit. We...
How to Create Instant Equity When Purchasing Properties Off Developers| Ep. 264
01 Jun 2020
Contributed by Lukas
In this episode, we discuss a question posed by one of the listeners of the show: how do you create instant equity when purchasing an investment prope...
Listener Question: The Pros and Cons of Student Rentals in Property Investment | Ep. 263
31 May 2020
Contributed by Lukas
In this episode, we discuss the pros and cons of owning student rentals. This is a question that's come in from a fellow listener of the podcast. Thro...
Researching Investment Properties: What To Look Out For | Ep. 262
30 May 2020
Contributed by Lukas
In this episode, we discuss a few things that you should look out for when conducting your own research about investment properties. This episode is b...
How to Pay Less Tax: How to Set Up Your Property Accounting | Ep. 261
29 May 2020
Contributed by Lukas
In this episode, we discuss how to read accounting statements for investment properties and how to minimise the amount of tax that you are legally req...
What Andrew Learnt From Owning 38 Investment Properties – 3 Case Studies | Ep. 260
28 May 2020
Contributed by Lukas
In this episode, we discuss 3 past property project that Andrew has worked on, along with the real financial results gained from these projects. Thes...
How Easy Is It For Overseas Kiwis to Buy Property In New Zealand? | Ep. 259
27 May 2020
Contributed by Lukas
In this episode, we discuss whether it is easy or hard for New Zealanders living overseas to buy property in New Zealand. Generally, the toughe...
Interest rates Tumble to 2.65% ... Where are the Best Rates Today? | Ep. 258
26 May 2020
Contributed by Lukas
In this episode, we discuss current interest rates, along with which banks currently have the best deals. Beyond, that we also talk through what this ...
How NZ's Median House Price Can Increase, Even If House Prices Go Down Everywhere | Ep. 257
25 May 2020
Contributed by Lukas
In this episode, we discuss how the NZ median house price can increase, even if house prices across the country decrease. This seeming anomaly is base...
When You Can Sell 1 Property to Buy 2 Properties | Ep. 256
24 May 2020
Contributed by Lukas
In this episode, we discuss when you can sell 1 property to buy 2 properties. Banks have internal LVRs that restrict how much they are willing to lend...
Update: Have AirBnbs Flooded the Market? Spoiler: Bookings Are Looking Pretty Good | Ep. 255
23 May 2020
Contributed by Lukas
In this episode, we give you an update on how Airbnbs are faring under the current market conditions. Since the last update, we gave 6 months ag...
Survey Results: How Property Valuers Are Feeling About the Market | Ep. 254
22 May 2020
Contributed by Lukas
In this episode, we discuss the recent survey results that Tony Alexander has published which shows how property values are currently feeling about th...
Rent to Buy Schemes – What Investors Need to Know | Ep. 253
21 May 2020
Contributed by Lukas
In this episode, we discuss Rent to Buy schemes and how they have the potential to benefit and harm both the vendor and the potential purchaser. In a ...
How to Find The Most Profitable Areas to Invest In: A Webinar Recap | Ep. 252
20 May 2020
Contributed by Lukas
In this episode, we discuss and recap our recent webinar: How to Find the Most Profitable Areas to Invest in. Within this webinar we looked at the dis...
What is Overcapitalisation? And What Do Investors Need to Know? | Ep. 251
19 May 2020
Contributed by Lukas
In this episode, we discuss the concept of overcapitalisation, what it is and how you can avoid it. In simple terms, overcapitalisation is where you s...
Real Data: Real Numbers About How Kiwis Are Planning For Retirement | Ep. 250
18 May 2020
Contributed by Lukas
In this episode, we reveal real aggregated data from the retirement plans of Opes Partners clients. This gives you the chance to peer behind the curta...
Important Update: BNZ Announces Sweeping Changes to Lending Policies Making It Harder to Get Lending | Ep. 249
17 May 2020
Contributed by Lukas
In this episode, we discuss the BNZ's recently announced changes to its lending policy. These policies govern how much the retail bank is willing to l...
Real Insight: Here's How the Market Is Operating In the First Days of Level 2 | Ep. 248
16 May 2020
Contributed by Lukas
In this episode, we discuss how the property market is operating now that the country has come out of lockdown. This stems from a recent article Andre...
New Data Released: How The Property Market Performed During the Lockdown | Ep. 247
15 May 2020
Contributed by Lukas
In this episode, we discuss how the property market performed during the Coronavirus-induced lockdown. This is based on data recently released by the ...
Inequality: A Tale of 2 Suburbs | Ep. 246
14 May 2020
Contributed by Lukas
In this episode, we discuss inequality and the difference between how different suburbs appreciate in value. Even if different suburbs appreciate at t...
How to Create a Self-Funding Property Portfolio | Ep. 245
13 May 2020
Contributed by Lukas
In this episode, we discuss how you can create a self-funding property portfolio. Generally, in property investment, there are two types of properties...
3 Things You Can Do To Prepare For Hard Financial Times | Ep. 244
12 May 2020
Contributed by Lukas
In this episode, we discuss 3 things you can do to prepare in case times get tough financially: Build up a 'mojo' or emergency savings accounts. Ini...
What Are 'Good Fundamentals' Anyway? | Ep. 243
11 May 2020
Contributed by Lukas
In this episode, we discuss what "Good Fundamentals" actually means. It's common to hear that you should buy properties in areas with 'good fundamenta...
Tradeoffs Between Capital Growth and Yield in Property Investment | Ep. 242
10 May 2020
Contributed by Lukas
In this episode, we discuss the tradeoff that is typically made between capital growth and cashflow (also known as yield) in property investment. ...
Special Guest: The Hunt For Yield – How Investor Behaviour Is Changing | Ep. 241
09 May 2020
Contributed by Lukas
In this episode, we are once again joined by Darcy Ungaro from Ungaro and Co. and the NZ Everyday Investor Podcast. Here, we discuss how investor beha...
Special Guest: Mortgage Broking Trends & How to Find a Good Mortgage Adviser | Ep. 240
08 May 2020
Contributed by Lukas
In this episode, we are joined by Darcy Ungaro from the NZ Everyday Investor Podcast. Within the show we pick up on the trend where more New Zealander...
Special Guest: How Easy Is It To Get Money From Banks – Right Now? | Ep. 239
07 May 2020
Contributed by Lukas
In this episode, we are joined by Darcy Ungaro from Ungaro and Co and the NZ Everyday Investor Podcast to talk about whether it's easy or hard to get ...
The Numbers You Really Want to Look At When Investing In Property | Ep. 238
06 May 2020
Contributed by Lukas
In this episode, we discuss the numbers you really should be looking at when you invest in property ... Return on Equity and Return on Cash. Whe...
Lifting the Skirt on Developers: How to Choose a Developer For an Investment Property | Ep. 237
05 May 2020
Contributed by Lukas
In this episode, we talk about what to look for when choosing a developer for an investment property. This is something close to our hearts as it is w...
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...