The Property Academy Podcast
Episodes
Fears that Stop People Investing – The Market | Ep. 135
24 Jan 2020
Contributed by Lukas
In this episode, we discuss one of the key fears that stops people from investing in property – the market. Or, rather, fear that the market is...
Two-timing the Banks – What investors need to know | Ep. 134
23 Jan 2020
Contributed by Lukas
This is the final episode where are joined by Eugene Bartsaikin from Twine Financial Advisers – and we discuss split banking. This is where you...
Case Study: Building a Lending Strategy | Ep. 133
22 Jan 2020
Contributed by Lukas
In this episode, we are once again joined by Eugene Bartsaikin from Twine Financial Advisers. Together, we discuss two case studies of Eugene's client...
What it Means to "Structure Your Mortgage" – What Investors Need to Know | Ep. 132
21 Jan 2020
Contributed by Lukas
In this episode, we discuss what mortgage brokers mean when they talk about structuring your mortgage. Structuring your mrotgage encapsulates everythi...
The One Time You Might Want to Break Your Contract With The Bank | Ep. 131
20 Jan 2020
Contributed by Lukas
In this episode, we discuss Break Fees in regards to mortgages. A Break Fee is the cost that you pay if you have fixed your interest rate on your mort...
Which Bank Is Best For Investors? | Ep. 130
19 Jan 2020
Contributed by Lukas
In this episode, we are joined by Eugene Bartsaikin from Twine Financial Advisers. Eugene is a lending specialist and helps investors structure their ...
The Barefoot Investor – How You Can Apply It In NZ | Ep. 129
18 Jan 2020
Contributed by Lukas
In this episode, we discuss The Barefoot Investor book. It claims to be the "only money guide you'll ever need", but does it measure up to the claim?&...
Property Investment Nightmares – When Co-ownership Goes Wrong | Ep. 128
17 Jan 2020
Contributed by Lukas
In this episode, we answer a question that came from the Property Investors Chat Group NZ on Facebook. In the question, the investor had co-bought a p...
Setting Financial Goals for 2020: What Property Investors Need to Know | Ep. 127
16 Jan 2020
Contributed by Lukas
In this episode, we discuss how to set financial goals in 2020. We outline a 5-step process: What – figure out what you want to achieve When...
Every Strategy Is a Good Strategy ... Depending on the Circumstances | Ep. 126
15 Jan 2020
Contributed by Lukas
In this episode, we discuss how every property investment strategy can be a good strategy depending on the circumstances and the situation. It's easy ...
Should You Plan to Live in Your Investment Properties? | Ep. 125
15 Jan 2020
Contributed by Lukas
In this episode, we discuss whether you should ever think about moving into your investment properties? This is a question that is frequently raised b...
29.2% of Renters Can Afford A Mortgage For Their First Home | Ep. 124
14 Jan 2020
Contributed by Lukas
In this episode, we discuss a recent Stuff article that Ed wrote and had published. Looking at data from the Ministry of Housing and Urban Development...
You Don't Have To Live In Your First Home | Ep. 123
12 Jan 2020
Contributed by Lukas
In this episode, we discuss that your first home might actually be an investment property – you don't actually have to live in it. We discuss ...
What Happens During a Due Diligence Process? | Ep. 122
10 Jan 2020
Contributed by Lukas
In this episode, we discuss the exact steps that happen within a due diligence process and the costs associated. Some listeners may be surprised...
The Bank of Mum and Dad. What It Is + How To Us It | Ep. 121
10 Jan 2020
Contributed by Lukas
In this episode, we discuss the Bank of Mum and Dad, including what it is and how to use it. The bank of Mum and Dad does not necessarily mean that yo...
How to Set Up a Co-Ownership Arrangement The Right Way | Ep. 120
09 Jan 2020
Contributed by Lukas
In this episode, we are once again joined by Bradley Parsonson from Opes Partners and Miuwi. And in the show, Brad shares a case study of a couple who...
Using a 2nd-tier Lender – How to Borrow More Money Than The Reserve Bank Wants Banks to Lend You | Ep. 118
08 Jan 2020
Contributed by Lukas
In this episode, we talk about the risks and benefits of using a 2nd-tier lender. 2nd-tier lenders are non-bank lenders, which means that they are not...
Top 2 Lessons Learned From 12 Years in Property Investment | Ep. 119
08 Jan 2020
Contributed by Lukas
In this episode, we are joined by Bradley Parsonson, property coach at Opes and Co-founder of Miuwi – a property co-ownership company. During t...
Deep Dive Into Different Types of Insurance Part #2 | Ep. 117
06 Jan 2020
Contributed by Lukas
In this episode, we discuss several more types of insurance, including: Health Insurance Trauma Insurance Insurance is important to pr...
Deep Dive Into Different Types of Insurance Part #1 | Ep. 116
05 Jan 2020
Contributed by Lukas
In this episode, we discuss insurance, who it's for and why it's important. Now the reason that we're talking about insurance on the podcast is becaus...
6 Top Tips for Renovating Property in 2020 | Ep. 115
04 Jan 2020
Contributed by Lukas
In this episode, we are once again joined by financial adviser, Tim Weston, who shares his 6 top tips for renovating property investment in nz: Keep...
Do As I Say Not As I Do – A 'Grand Designs' Star Shares His Story | Ep. 114
03 Jan 2020
Contributed by Lukas
In this episode, star of Grand Designs, Tim Weston shares his story of transforming the Britten Stables from a devastated shell into an international ...
Forming Your Own Property-Buying Syndicate | Ep. 113
02 Jan 2020
Contributed by Lukas
In this episode, we discuss how to form your own property buying syndicate based on a question that was sent in by a listener of the show. We discuss ...
Buying Off The Plans: What Investors Need to Know | Ep. 112
01 Jan 2020
Contributed by Lukas
In this episode, we discuss buying off the plans – the different ways you can do it, and an analysis of some of the risks and benefits as to wh...
3 Steps to Becoming A Property Investor in 2020 | Ep. 111
31 Dec 2019
Contributed by Lukas
In this episode, we discuss the three steps to take if you want to become a property investor in 2020. These are: Figure out where you are now and t...
4 Ways To Pay Off Your Mortgage Faster | Ep. 110
30 Dec 2019
Contributed by Lukas
In this episode, we discuss 4 ways to pay down your mortgage more quickly. These include: Use an offset account to use cash you have saved to decrea...
Our Biggest Blunder in 2019 & Why the Average Mortgage Size Isn't As Big As You Might Think | Ep. 109
29 Dec 2019
Contributed by Lukas
In this episode, we discuss the biggest blunder that Ed made in 2019, or rather where he copped the most flack on social media. In October we created ...
4 Key Differences Between the Property Market and the Share Market | Ep. 108
28 Dec 2019
Contributed by Lukas
In this episode, we discuss 4 key differences between the property market and the share market. Only 24% of the property market is made up of investor...
Should You Pay Off Your Mortgage Before You Start Investing? | Ep. 107
27 Dec 2019
Contributed by Lukas
In this episode, we discuss whether you should pay off your personal mortgage entirely before you start investing in nz property. In short, the answer...
Should You Only Focus on Cashflow and Ignore Capital Growth? | Ep. 106
26 Dec 2019
Contributed by Lukas
In this episode, we discuss a piece of advice which can be found in nz property investment books from the 1990s to early 2000s, which goes something l...
What Happens If You Buy The Wrong Property? | Ep. 105
25 Dec 2019
Contributed by Lukas
In this episode, we discuss what happens if you make a bad investment and you pick up a property that either costs too much per week and is costing yo...
10 Free Xmas Gifts For You | Ep. 104
24 Dec 2019
Contributed by Lukas
In this episode, we give you 10 free gifts from Opes for you to learn about property investment, or buying your first home in the new year: The Epic...
The 3 Types of Leverage Every Investor Needs to Know | Ep. 103
23 Dec 2019
Contributed by Lukas
In this episode, we discuss the three types of leverage that every investor needs to know. These are: Leveraged Returns – when you inve...
Teardown: Is Investopedia's Advice Applicable to NZ? | Ep. 102
23 Dec 2019
Contributed by Lukas
In this episode, we discuss whether we agree with Invesopedia's top 10 tips for property investment. The key takeaways are: A lot of property invest...
Capital Gains Taxes and the Bright Line Test | Ep. 101
21 Dec 2019
Contributed by Lukas
In this episode, we discuss capital gains taxes within New Zealand and the existence of the bright line test. Although we don't officially have a capi...
What Does Opes Property Coaches Actually Do? | Ep. 100
20 Dec 2019
Contributed by Lukas
In this episode, we discuss what Opes Property Coaches actually do within the process of getting started in property investment, nz. Specificall...
How Old Is Too Old to Buy Property? | Ep. 99
19 Dec 2019
Contributed by Lukas
In this episode, we discuss several conversations Ed has recently had with his cab drivers about property investment nz, specifically about age. This ...
3 Case Studies: Who Can Invest, Can't Invest and Might Be Able to Invest? | Ep. 98
18 Dec 2019
Contributed by Lukas
In this episode, we give 3 case studies of different situations. These are all real numbers given by real people through the Opes Property Investment ...
How to Borrow More Against Your Property. 6 Exemptions to the LVR Rules | Ep. 97
17 Dec 2019
Contributed by Lukas
In this episode, we walk through the 6 exemptions to the LVR rules, which allow you to borrow above the standard lvr restrictions set by the reserve b...
LATEST NEWS: Record House Prices in NZ | Ep. 96
17 Dec 2019
Contributed by Lukas
In this episode, we discuss the Real Estate Institute of New Zealand's latest monthly update. 10 out of 17 regions reached record house prices, and th...
Do you really need a trust for your properties? | Ep. 95
15 Dec 2019
Contributed by Lukas
In this episode, we are joined once again by Shelley Funnell from Henderson Reeves, a mid-tier law firm based in Auckland and Whangarei. And in the sh...
Buying Property Off the Plans – What Investors Need to Know – Ep. 94
14 Dec 2019
Contributed by Lukas
In this episode, we discuss buying property off the plans – which is where you purchase a property and commit to buying it before it has actual...
What Can Go Wrong in a Real Estate Deal – A Lawyer's Perspective | Ep. 93
14 Dec 2019
Contributed by Lukas
In this episode, we discuss a few of the things that can go wrong in a property investment deal, which a solicitor would usually pick up on. She...
Key Clauses in a Sale and Purchase Agreement | Ep. 92
13 Dec 2019
Contributed by Lukas
In this episode, we discuss the key clauses you can use in a sale and purchase agreement when buying property in New Zealand. This is important ...
New: Updates to NZ's Standard Sale and Purchase Agreements | Ep. 91
12 Dec 2019
Contributed by Lukas
In this episode, we are joined by Shelley Funnell who is a solicitor and HendersonReeves in Auckland. During the show we discussed the new sale and pu...
Refinancing: What Investors Need to Know | Ep. 90
10 Dec 2019
Contributed by Lukas
In this episode, we discuss refinancing, which is the mechanism property investors can use to leverage off their existing properties in order to grow ...
3 Things That Stop Investors From Increasing the Size of their Property Portfolio | Ep. 89
10 Dec 2019
Contributed by Lukas
In this episode, we discuss three things that stop people from investing in property. Personal reasons Fear and worry. For example, the worry ...
6 Events From The Last 20 Years That Have Impacted the Property Market | Ep. 88
08 Dec 2019
Contributed by Lukas
In this episode, we discuss 6 events that have occurred over the last 20 years that have impacted the NZ property market, with a particular focus on t...
Is There Really a Housing Shortage in NZ? | Ep. 87
07 Dec 2019
Contributed by Lukas
In this episode, we discuss whether there really is a housing shortage within New Zealand, and particularly within the Auckland property market. In pu...
Why Your House Isn't An Asset | Ep. 86
07 Dec 2019
Contributed by Lukas
In this episode, we discuss why your house isn't an asset, particularly when you begin to plan your retirement. The conclusion we come to is that the ...
Area Update: Mt Wellington, Auckland | Ep. 85
06 Dec 2019
Contributed by Lukas
In this episode, we discuss Mount Wellington, a suburb in Auckland's property market. Our belief is that Mount Wellington has a very strong property m...
Why Property Investment is Ethical & Desireable | Ep. 84
05 Dec 2019
Contributed by Lukas
In this episode, we attempt to dispell the myth that property investment is undesirable for New Zealand (or any country). There are several reasons wh...
Top Takeaways From the 2019 OneRoof Property Report – Ep. 83
03 Dec 2019
Contributed by Lukas
In this episode, we discuss the OneRoof Property Report for the last quarter of 2019. This report sums up how the property market has operated over th...
5 Reasons to Invest in the Main Centres | Ep. 82
03 Dec 2019
Contributed by Lukas
In this episode, we discuss 5 reasons why it is a good idea to invest in the main centres when beginning your journey into property investment in NZ. ...
6 Strategies When The Bank Says No | Ep. 81
01 Dec 2019
Contributed by Lukas
In this episode, we are joined by Dennis Schipper, a consultant at Opes Partners. Dennis has a lot of experience in property investment nz. Here...
RBNZ Comments on the Bank's Servicing Test Rates | Ep. 80
01 Dec 2019
Contributed by Lukas
In this episode, we discuss the Reserve Bank of New Zealand's recent comments on the banks' test servicing rates. As a recap, these test rates, are th...
Why Women Need to Invest in Property | Ep. 79
29 Nov 2019
Contributed by Lukas
In this episode, we are once again joined by Di Foster, property investor and leadership coach. We discuss that women need to up their investment game...
Di Compares: Investing in NZ v.s. Overseas | Ep. 78
29 Nov 2019
Contributed by Lukas
In this episode, we are once again joined by property investor and leadership coach, Di Foster. Di initially looked at investing in the Uk property ma...
Di Compares: DIY investing v.s. Using an Expert Coach | Ep. 77
27 Nov 2019
Contributed by Lukas
In this episode, we are once again joined by property investor and leadership coach, Di Foster. Here, Di compares DIY investing (going at it alone) wi...
Millennials, Boomers and Gen X'ers – How They Approach Property Differently | Ep. 76
26 Nov 2019
Contributed by Lukas
In this episode, we are once again joined by property investor and executive leadership coach, Di Foster. After helping herself and her husband into p...
Why'd You Do It? A Real Property Investor Answers | Ep. 75
25 Nov 2019
Contributed by Lukas
In this episode, Di Foster – property investors and executive leadership coach – walks through the reasons she decided to get into the i...
The As Is Market in Christchurch | Ep. 74
25 Nov 2019
Contributed by Lukas
In this episode, we discuss Christchurch's 'As Is' Market. The Christchurch earthquakes were devasting for homeowners in the Canterbury region. Many w...
Different Ways to Develop Land | Ep. 73
23 Nov 2019
Contributed by Lukas
In this episode, we are joined by Nick Johnstone a developer investor based in Christchurch. Nick walks us through a feasibility study he did on a pie...
Jackson Asks: Why Do People Rent? | Ep. 72
22 Nov 2019
Contributed by Lukas
In this episode, we answer another question from one of our youngest listeners, Jackson. Here he asks, why do people rent your houses? There several r...
Jackson Asks: If I Have to Work For Money Now, What Will I Do When I Retire? | Ep. 71
21 Nov 2019
Contributed by Lukas
In this episode, we answer a question from one of our youngest listeners, Jackson. Here, he asks a simple question: if I need to work to earn money to...
Negative Gearing – What You Need To Know – Ep. 70
20 Nov 2019
Contributed by Lukas
In this episode, we discuss negative gearing. This is the situation where your property makes a cash loss each year after factoring in interest costs....
Stop Thinking Your Going to Live In Your Investment | Ep. 69
20 Nov 2019
Contributed by Lukas
In this episode, we discuss the fact that you're not going to live in your investment property, so you can't treat it as if you will. Instead of looki...
Your Biggest Cost in Property Investment – Procrastination | Ep. 68
18 Nov 2019
Contributed by Lukas
In this episode, we discuss that many people will wonder why they should get into property investment now ... why not wait a few years? We discuss tha...
Pop Quiz – Which Towns Have The Best Yields? | Ep. 67
17 Nov 2019
Contributed by Lukas
In this episode, we discuss rental yields and which towns generate the best rental return for investors. We walk through the top 5 towns, and discuss ...
Should You Pay Off Your Mortgage Before Investing In Property? | Ep. 66
17 Nov 2019
Contributed by Lukas
In this episode, we talk about whether prospective property investors should pay off their personal (owner occupier) mortgages before investing in pro...
Reserve Bank Update – What It Means For the Housing Market | Ep. 65
15 Nov 2019
Contributed by Lukas
In this episode, we discuss this week's Reserve Bank update. While not much changed from a policy perspective – the Official Cash Rate didn't change...
Why The NZ Property Market is Unique | Ep. 64
14 Nov 2019
Contributed by Lukas
In this episode, we discuss why the NZ property market is unique. We identify that because New Zealand is a long skinny country, which was colonised, ...
Will Sacrifice Now or Later? | Ep. 63
13 Nov 2019
Contributed by Lukas
In this episode, we discuss that property investment requires a sacrifice – an investment. It might sound obvious, but Andrew gives an example of a ...
How Property Cycles Work | Ep. 62
12 Nov 2019
Contributed by Lukas
In this episode, we discuss how property cycles tend to work, with a special mention on the Auckland Property Market. Property cycles are arguably one...
3 Real Life Case Studies – What Can Actually Happen | Ep. 61
11 Nov 2019
Contributed by Lukas
In this episode, we give three real-life case studies about what can happen to property investors when they take the plunge. 2 of the investors ...
Mangere – Is It a Good Place to Invest? | Ep. 60
10 Nov 2019
Contributed by Lukas
In this episode, we discuss whether Mangere is a good suburb to invest in. Mangere is one of Auckland's lower socio-economic areas, and may not typica...
What Do Property Managers Really Do? | Ep. 59
09 Nov 2019
Contributed by Lukas
In this episode, we discuss the nitty-gritty of what property managers really do for property investors. Over a 10 year period, you are likely to pay ...
What is a Good Yield in Auckland? | Ep. 58
08 Nov 2019
Contributed by Lukas
In this episode, we discuss what a good rental yield is for Auckland property investors. Nationally, we know that Auckland typically will deliver high...
Tenancy Law – What You Need to know | Ep. 57
07 Nov 2019
Contributed by Lukas
In this episode, we are joined by Celia Burbery from Auckland Property Management. Property management is so important because if you want to get the ...
The Additional Costs Associated with Airbnb | Ep. 56
06 Nov 2019
Contributed by Lukas
In this episode, we discuss the additional costs you will face as an Airbnb property investor. These include all the utilities you need to cover e.g. ...
What Deloitte Thinks of Airbnb (& What You Can Learn From Their Research). | Ep. 55
05 Nov 2019
Contributed by Lukas
In this episode, we discuss a report that was published about Airbnnb by Deloitte, a consultancy, in 2017. This includes the economic impacts that Air...
4 Things Airbnb Guests Look For When Booking | Ep. 54
04 Nov 2019
Contributed by Lukas
In this episode, we discuss that if property investors want to get a high rental yield on their Airbnb, they need to get a high occupancy rate. And th...
One Simple Way To Double The Price of Your Airbnb | Ep. 53
03 Nov 2019
Contributed by Lukas
In this episode, we discuss one simple strategy you can use to double your price on Airbnb – dynamic pricing. This is where you vary the price ...
The Yield You Can Get From an Airbnb | Ep. 52
02 Nov 2019
Contributed by Lukas
In this episode, we are joined by Jon Lawry from Urban Butler to discuss using Airbnb with property investment. This episode specifically covers the y...
The Steps Involved in Buying a Property | Ep. 51
01 Nov 2019
Contributed by Lukas
In this episode, we discuss the process of actually buying an investment property – after you've found the specific property that you want to buy. T...
Hamilton – Is it a Good Place to Invest? | Ep. 50
31 Oct 2019
Contributed by Lukas
In this episode, we discuss whether Hamilton is a good place to buy an investment property. We specifically discuss the amount of infrastructure inves...
What Do You Need to Get Started in Property Investment? | Ep. 49
30 Oct 2019
Contributed by Lukas
In this episode, we discuss three different thresholds you need to meet in order to get started in property investment. This content comes from an art...
Do New Builds or Renovations Give the Highest Return on Investment? | Ep. 48
29 Oct 2019
Contributed by Lukas
In this episode, we look at whether new builds, or existing renovation projects give the highest return on the capital you have invested. This episode...
Should You Be Able to Use KiwiSaver For Investment Property? | Ep. 47
29 Oct 2019
Contributed by Lukas
In this episode, we discuss a recent idea that has been suggested by the Interim Retirement Commissioner – should you be able to use your KiwiS...
How to Withdraw Your KiwiSaver | Ep. 46
27 Oct 2019
Contributed by Lukas
In this episode – our last with Clara Kim from the Juno KiwiSaver Scheme – we discuss how to withdraw your KiwiSaver from your provider. This is v...
A Guide to KiwiSaver Funds | Ep. 45
26 Oct 2019
Contributed by Lukas
In this episode, we are again joined by Clara Kim from the Juno KiwiSaver Scheme. In the show, we discuss the different types of KiwiSaver funds that ...
How to Make $108K Extra in KiwiSaver | Ep. 44
25 Oct 2019
Contributed by Lukas
In this episode, we are joined by Clara Kim, educator at the Juno KiwiSaver Scheme. In the show we talk about a campaign that Juno is currently runnin...
What do Kiwi Teens Ask About Money? | Ep. 43
25 Oct 2019
Contributed by Lukas
In this episode, we are again joined by Clara Kim from the Juno KiwiSaver Scheme. Clara travels around New Zealand schools talking to Kiwi teens about...
The Basics of KiwiSaver | Ep. 42
24 Oct 2019
Contributed by Lukas
In this episode, we are joined by Clara Kim from Juno Kiwisaver for 5 episodes all about KiwiSaver. In the show, we discuss KiwiSaver contributions, w...
Market Update and Doubting Data | Ep. 41
23 Oct 2019
Contributed by Lukas
In this episode, we give an update on the NZ property market based on the REINZ monthly update. Median house prices are up 6.6% on the last year, but ...
Which Suburb Had The Most Growth Over the Last 18 Years? | Ep. 40
21 Oct 2019
Contributed by Lukas
In this episode, I (Ed) quiz you on which suburbs had the highest and lowest growth over the last 18 years (Jan 2000 to Aug 2018). This is both in ter...
Why Your Spending Won't Go Down In Retirement | Ep. 39
21 Oct 2019
Contributed by Lukas
In this episode, we are again joined by Dean Blair from FoxPlan and we talk about why your spending won't go down in Retirement. When speaking with pe...
Queenstown Property Market Update | Ep. 38
19 Oct 2019
Contributed by Lukas
In this episode, we are once again joined by Josh Graham from Roost Mortgages. And we discuss the Queenstown Property Market. Queenstown has a u...
Can You Get An Interest Only Loan Forever? | Ep. 37
19 Oct 2019
Contributed by Lukas
In this episode, we are once again joined by Josh Graham from Roost Mortgages. And we discuss whether you can get an interest-only loan forever. The g...
Why You Might Not Get a Mortgage – Even If You Can Afford It | Ep. 36
18 Oct 2019
Contributed by Lukas
In this episode, we are once again joined by Josh Graham from Roost Mortgages. And we discuss that even if you think you can afford a mortgage at the ...