The Property Academy Podcast
Episodes
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...
You Can Only Pick 2 Out of 3 of These Three Things | Ep. 136
25 Jan 2020
Contributed by Lukas
In this episode, we discuss whether there is such a thing as cashflow positive or negative properties. This question came in from a listener of the sh...
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...