The Property Academy Podcast

In this episode, we discuss how to manage your money mindset across your lifetime.

This includes the mindset you should have in your 20s vs your 30s, your 40s and your 50+.

For more from Opes Partners:

In this episode, we discuss the 4 things you need to think about as a Kiwi property investor if you're moving overseas.

This includes what to think about when it comes to tax, managing your properties and sorting your mortgage.

And we also mention our upcoming webinar '⁠⁠⁠⁠⁠⁠Build your $100K retirement plan in 52 minutes⁠⁠⁠⁠⁠⁠'. It's on Tuesday May 14th at 7pm. Click the link to register.

For more from Opes Partners:

In this episode, we compare the top 3 best accounting systems and software for property investors.

This includes comparing Xero with Excel vs Hnry.

Ultimately, you can use this to choose the best accounting system for you and your portfolio.

And we also mention our upcoming webinar '⁠⁠⁠⁠⁠Build your $100K retirement plan in 52 minutes⁠⁠⁠⁠⁠'. It's on Tuesday May 14th at 7pm. Click the link to register.

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In this episode, we discuss the house that sold for just a single dollar.

This includes a discussion of $1 reserve auctions and whether they really work.

And we also mention our upcoming webinar '⁠⁠⁠⁠Build your $100K retirement plan in 52 minutes⁠⁠⁠⁠'. It's on Tuesday May 14th at 7pm. Click the link to register.

For more from Opes Partners:

In this episode, we discuss a case study of whether this couple should pay down debt or invest.

We dig through their numbers, consider their goals and share what their potential options are.

And we also mention our upcoming webinar '⁠⁠⁠Build your $100K retirement plan in 52 minutes⁠⁠⁠'. It's on Tuesday May 14th at 7pm. Click the link to register.

For more from Opes Partners:

In this episode, we discuss whether properties with more land get more capital growth and go up in value faster.

This is based on a new data from CoreLogic and provided to the podcast.

It shows that properties with more land don't go up in value much faster than properties with less land.

For more from Opes Partners:

In this episode, we are joined by Tamati and Liana to talk about their property investment journey.

They share how they 2.5x their incomes by moving to Australia.

They share how they did, what properties they're investing in and what they're doing for their future.

For more from Opes Partners:

In this episode, we discuss the big changes that are happening in the property market.

This includes tax changes, tenancy law changes, lending changes. All up, we reckon there's about 6 years of changes coming in the next 6 months.

And we also mention our upcoming webinar '⁠⁠Build your $100K retirement plan in 52 minutes⁠⁠'. It's on Tuesday May 14th at 7pm. Click the link to register.

For more from Opes Partners:

In this episode, we discuss the differences between buyers and sellers markets.

This includes how to tell whether it is currently a buyers or a sellers market.

You'll also learn what emotions you'll need to overcome to make the most of each type of market.

And we also mention our upcoming webinar '⁠Build your $100K retirement plan in 52 minutes⁠'. It's on Tuesday May 14th at 7pm. Click the link to register.

For more from Opes Partners:

In this episode, we discuss the latest inflation data.

Inflation has fallen to 4%. That's good. but domestic inflation is still high.

What does it mean for your interest rates and mortgage? Join Ed and Andrew to find out.

And we also mention our upcoming webinar 'Build your $100K retirement plan in 52 minutes'. It's on Tuesday May 14th at 7pm. Click the link to register.

For more from Opes Partners:

In this episode, we discuss the differences between buying a property vs investing in property.

We share how – as a property investor – you need to look at properties in a very different way than if you were buying them to live in.

We give you the tools so you can see whether you are looking to buy a property or invest in property.

For more from Opes Partners

In this episode, we discuss buying and selling properties off-market.

This includes the pros and cons for both sellers and buyers.

This is to give you a good sense of whether using an off-market strategy could be the right fit for you.

For more from Opes Partners

In this episode, we discuss the property clock.

This is a classic model investors use to understand the property cycles and what might happen next in the market.

We walk you through a standard cycle around the property clock along with what you can expect at each stage.

For more from Opes Partners

In this episode, we are joined by Hannah Presswood for another Case Study Sunday.

Hannah shares the story of how she started investing in property ... how she has grown her portfolio.

And most importantly, she shares how she's now on track to build a $50k passive income over the next 7 years.

For more from Opes Partners

In this episode, we compare interest rates and house prices.

We specifically look at the numbers to see whether you should wait for interest rates to come down before you invest in property.

We know that interest rates will likely come down. But when that happens, house prices will probably go up.

So what's better? Waiting or buying now?

For more from Opes Partners

Want to become a successful property investor? The 'Ultimate NZ Property Investor Bundle' has everything you need, featuring spreadsheets, ebooks, an audiobook, and exclusive software.

In this episode, we discuss the Right Rent system. This comes from Ed and Andrew's book – Wealth Plan.

It includes the exact process that you can use to set the right rent for your property every single time.

For more from Opes Partners

Rental yield 

Want to know what your investment property could earn? Use our rental yield calculator to forecast your property's potential income.

In this episode, we discuss the government's most recent change to the tenancy laws.

This includes details about the policy of pet bonds.

Soon, property investors will be able to charge an extra 2 weeks' worth of rent to their tenants.

But how does it work and what other changes are coming? That's what you'll learn in the show.

Free weekly newsletter

Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.

Rental yield 

Want to know what your investment property could earn? Use our rental yield calculator to forecast your property's potential income.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'New Tax Rules For Kiwi Property Investors [2024]'.

In this episode, we discuss whether property investors have a moral obligation to lower their rents when the tax rules change.

National's tax cuts will improve investor's cashflow.

We dig through the data to show how much rents have gone up vs costs over the last few years.

This gives you a sense of whether investors have extra money to pass on to tenants.

Email Newsletter – 

Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.

Download all our best resources – 

The 'Ultimate NZ Property Investor Bundle' has everything you need, featuring spreadsheets, ebooks, an audiobook, and exclusive software.

Cashflow calculator – 

Want to quickly calculate your investment property's cashflow? Use our cashflow calculator to find out. 

In this episode, we discuss tainting and when property investors accidentally need to pay tax on their capital gains.

This is particularly important when the bright line test changes. Because developers, traders, property flippers and builders will have stricter rules.

And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

Weekly newsletter – 

Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.

Get all our best resources for free – 

The 'Ultimate NZ Property Investor Bundle' has everything you need, featuring spreadsheets, ebooks, an audiobook, and exclusive software.

Cashflow calculator – 

Want to quickly calculate your investment property's cashflow? Use our cashflow calculator to find out. 

In this episode, we discuss how property developers can get their projects off the ground.

This includes which buyers to target, how to get pre-sales, where to build your properties and how to know what type of properties to build.

We mention a few of our best resources including:

Weekly newsletter –

Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.

Get all our best resources for free – 

The 'Ultimate NZ Property Investor Bundle' has everything you need, featuring spreadsheets, ebooks, an audiobook, and exclusive software.

In this episode, we are joined by Joe, a German who lives in the USA, who is currently investing in NZ property.

Joe walks us through why he made the decision to invest in NZ property, rather than over in the USA.

He also shares the differences between buying property in Australia vs New Zealand.

Free property newsletter –

Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.

 Can I afford to become a property investor?

Inspired by today's case study? Find out if you can afford an investment property with our quick calculator.

In this episode, we discuss how long a property cycles lasts in New Zealand.

We compare property cycles in our major centres vs the regions and share how long each part of the property cycles takes.

This includes the boom, the peak, the downturn and the trough.

And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.

Want to become a successful property investor? The 'Ultimate NZ Property Investor Bundle' has everything you need, featuring spreadsheets, ebooks, an audiobook, and exclusive software.

Wondering what your property could be worth in the future? Use our capital growth calculator to uncover your investment's potential value.

In this episode, we discuss how much investors should spend on property maintenance per year.

We go through a couple of examples to show you how much to budget based on how old your property is and the condition.

And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox every Thursday.

Want to quickly calculate your investment property's cashflow? Use our cashflow calculator to find out. 

In this episode, we discuss how Kiwis can get the money to flip properties.

For this we are joined by John Moody, Chief Financial Officer at Basecorp. They are one of the largest lenders who work with property flippers in New Zealand.

John shares which loan applications Basecorp tends to approve (and which they say no to).

This is a must listen for any property flippers.

In this episode, we discuss how much more expensive New Builds are compared to existing properties.

This is based off new data released from CoreLogic which shows the "New Build premium".

We share that New Builds are currently about 5.6% more expensive than existing properties and that this is slightly below the historical average.

In this episode, we discuss different ways of owning land in New Zealand.

We cut through the jargon to let you know what terms like freehold, cross lease, unit title and leasehold mean.

This includes the differences and what you need to look out for as a home buyer or property investor.

And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we discuss whether it's possible to buy a property with a 10% deposit.

We talk about who can get access to this low deposit lending, and what the extra costs and fees are.

We also share which banks are more willing to let investors purchase properties with lower deposits.

Ultimately, you can use this information to get a sense of whether you should buy a property with a lower deposit.

In this episode, we are joined by Helena and Harish to discuss their property investment journey.

This includes how they are handling today's higher interest rates.

We also talk about how they stress tested their budget to make sure they could afford the property even if interest rates went up.

Want to share your story on Case Study Sunday? Send us a message, email ed@opespartners.co.nz

In this episode, we discuss how the weather impacts the property market.

This includes all of the seasonal impacts on the property market.

We look at whether house prices go down in Winter and when the best time to buy and sell a property is.

Ultimately you can use this information to figure out when the best time to buy a property is.

And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we discuss how much vacancy property investors should expect.

This includes how often you won't have a tenant and therefore how much rent your property might miss out on.

This includes what causes vacancy and how to minimise it.

And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we discuss tiny homes and whether they stack up as a good investment.

This includes how much tiny homes cost, what the interest rates are and how you get a mortgage.

We also discuss some of the things you'll need to think about if you decide to rent out a tiny home (or buy one for yourself).

And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we are joined by Matthew Gilligan from Gilligan Rowe and Associates to discuss the legacy of Adrian Orr.

This includes whether Adrian Orr is the worst Reserve Bank Governor in history, and whether he (and the monetary policy committee) did the right things during the pandemic.

Matthew argues that the Reserve Bank Governor messed up. Whereas, Ed argues that the legacy isn't so black and white. After all, it's easy to point fingers after the fact.

Ultimately, it's up to you to decide who wins the debate. Will Adrian Orr be remembered as the worst Reserve Bank Governor ever?

In this episode, we are joined by Matthew Gilligan from Gilligan Rowe and Associates.

Matthew discusses how to protect yourself from property investment disaster with trusts, companies and the right types of structures.

This includes how to set up your wills and trusts so that your children, dependents and assets are secure.

In this episode, we discuss how to buy the house your tenants want.

This includes giving you our new Opes Tenant Tool. You can use this to figure out what tenants are looking for in your area.

That way you can buy the house your tenants are willing to rent. This should lower your vacancy and improve your cashflow.

in this episode, we are joined by Kate and Sean to talk about their property investment journey.

We talk about what it's all for, and what they want to get out of property investment.

They also share how even though they bought close to the top of the market, they don't mind so much.

Now that their house has fallen in value, they wouldn't be able to buy today anyway.

Willing to share you story on Case Study Sunday? Let us know – ed@opespartners.co.nz

In this episode, we discuss whether you should turn your investment property into an Airbnb.

We run the numbers on one of Ed's properties to see how the cashflow compares to a long term rental.

We also talk through the steps he'd have to take if he wanted to turn it into an Airbnb.

And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we discuss a case study of a property investor who is already retired.

He owns a $1 million property without a mortgage, but he only earns $12k in the hand a year.

We talk through what he could do to increase his income and the different options available to him.

Ultimately, we share several ways he could more than 3x his retirement income.

And we also mention our upcoming webinar ⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we discuss why Heartland bank has the lowest interest rate ... and whether it's worth it.

We talk through the catches – like how you can only get it for your own home.

And how it really isn't the right fit for property investors.

Ultimately, you can use this information to figure out whether it's the right rate for you.

And we also mention our upcoming webinar ⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we discuss how much less tax property investors will pay once the interest deductibility rules change.

This includes looking at different situations to see who will pay a lot less tax, who will pay a bit less tax, and who nothing will change for.

And we also mention our upcoming webinar ⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we talk about mortgage break fees and how much it costs to break your mortgage.

When interest rates start to fall, many Kiwis will ask "is it better to break my loan and take a cheaper rate?

We dig through the numbers so you can figure out if it's worth breaking your loan and trying to negotiate a better deal.

And we also mention our upcoming webinar ⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we discuss where house prices are bouncing back fastest.

We share how some regions are bouncing back quickly (and have even surpassed their Covid peaks).

Places like Dunedin are up 9% compared to the bottom of the market, and others like Auckland are almost 6% up.

But, some parts of the country haven't crept up much at all. we share where prices are bouncing back fast (and which aren't).

In this episode, we are joined by Heidi and Nath who share how they have just become first time property investors.

This includes what went well (and what didn't go to plan).

We dig into why they wanted to become property investors in the first place, what it's all for and what they want to get out of property.

In this episode, we discuss National's new interest deductibility rules.

This is your definitive guide to the rules, what they are and what they mean.

There have been lots of proposals for what the rules should be. So some property investors are confused about what the rules actually are.

Here, Ed and Andrew lay down the law and share what the final rules are.

In this episode, we discuss whether property investors just invest for capital growth.

We also discuss whether that's unfair. This is after Ed appeared on Newstalk ZB to talk about the latest changes to the tax rules.

And we also mention our upcoming webinar ⁠Property Investment Webinar: NZ Tax Edition⁠ happening on Tuesday 16th April at 7pm.

In this episode, we discuss the top 6 myths about property investors.

This includes myths like interest deductibility – is it just an unfair tax cut for property investors who don't need it.

We also dig into the idea of a capital gains tax and whether property investment is different from other businesses.

And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition happening on Tuesday 16th April at 7pm.

In this episode, we discuss how the OCR impacts mortgage interest rates.

We talk about what the OCR is, how the banks use it, how it impacts swap rates and how it eventually impacts your mortgage interest rate.

As you'll learn, it takes time for the OCR to impact your mortgage interest rate.

And your mortgage interest rates can start to go up or down even before the OCR moves.

In this episode, we discuss inflation, what it is, how it works. And what you need to know as a property investor.

This includes how to calculate the returns you actually get when you invest in property.

That means how you factor in the 'time value of money', and how to make sure that property investment builds you a better life.

In this episode, we dig through house price data to see whether our standard house price forecasts match up to reality.

Can you reliably say that house prices go up 5% or 6% a year?

And how easy is it to fudge the numbers and make it sound like property always goes up in value?

We dig through the numbers to see whether these assumptions are correct.

In this episode, we are joined by Sera and Quentin. This couple share their inspiring story.

From humble beginnings, these two started out by working 5 jobs between them.

Now they've paid off the mortgage and are investing in property.

They're helping their families learn about property and are breaking the poverty cycle.

In this episode, we discuss whether holiday homes are a good investment.

We look at Airbnb data to get a sense of the returns you can make investing in holiday homes.

Then we talk about where you can invest and how much it might cost to invest in a holiday home.

In this episode, we discuss the top problems with property investment companies.

We talk about what these companies get wrong, and what you need to look out for as someone thinking about using one of these businesses.

This includes companies like Opes Partners, Propellor Property Investments, Momentum Realty, enable.me, Positive Real Estate and others.

It also applies to any company who recommends New Builds as an investment option.

In this episode, we discuss the recently announced interest deductibility tax rules.

We're going back to the old rules. Property investors will be treated like every other business and will pay less tax.

Interest will be deductible again, some property investor's cashflows will change.

But not all property investors will feel the full extend of the change. We dig through the data on who will and won't see a big difference from the changing tax rules.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'NZ Property Market Update – 3 Steps To Make Money in Property in 2024'.

In this episode, we discuss whether this investor should buy their dream home ... or renovate and invest.

This comes from a listener of the show who is tempted to upgrade their own home.

But they're also considering growing their portfolio.

We run through the numbers so you can get a sense about what may be the right fit for you.

In this episode, we discuss where properties are selling above (and below) their CV.

This includes the areas where properties are selling 40-60% above the CV.

On the other hand, there are some areas where properties are selling 20% below CV.

This data is from February 2024.

We also mention our new Opes Partners monthly Data Newsletter. Click here to subscribe.

In this episode, we discuss how long it could take for property prices to recover.

If you bought at the top of the market, you've faced the perfect storm. House prices have gone down, and interest rates have gone up.

But how long could it take for property prices to recover and fully regain their previous peak?

That's what you'll find out in this episode.

And we also mention our latest newsletter, a monthly property market update straight to your inbox...sign up for all the latest data!

In this episode, Maurice Wills joins us to discuss his property investment journey.

Like you, Maurice is a listener of the show. He went on his OE and saved enough to buy his own home.

He then bought an investment property, which has gone up in value.

He plans to sell this property soon to pay off his mortgage. He'll be mortgage-free at 40.

In this episode, we discuss National's pledge to revamp and rewrite the CCCFA (the Credit Contracts and Consumer Finance Act).

This law saw first-time home buyers being denied a mortgage because of gym memberships, Kmart purchases, and their coffee addictions.

But National wants to rewrite the law so more people can get a mortgage.

But what does it actually mean, and why did the new rules come in, in the first place?

In this episode, we discuss Wolfbrook's latest marketing tactic – offering property buyers the chance to buy a house with 'no deposit'.

But what's the catch? And is it a good idea or just a clever marketing tactic?

We take you through the pros and cons, what you have to do to get the deal, and who it may be the right fit for.

In this episode, we discuss a case study of a listener of the show.

This investor bought a property in Hamilton. Since then, it has gone down in value, and high interest rates are killing his cash flow.

He's wondering whether it is better to hold on to the property or sell and take the $150k loss.

We walk through the numbers to show what could happen if he holds vs what happens if he sells.

In this episode, we discuss whether you should buy, sell, wait or invest.

We go through different case studies and situations. These show who should buy, and who should sell.

Through this you can get a sense of what your next step in the property market should be.

In this episode, we discuss different property investment scams.

This includes how to spot common scams and cons, so that you don't lose tends (or hundreds) of thousands of dollars.

We cover redirection scams, fake asset scams and timeshares.

In this episode, we discuss all the hidden costs you'll face when you buy a property.

This includes building inspection fees, lawyer costs, interest, the cost of new keys, and so much more.

You can use this information to get prepared for all the costs you'll face when you start investing. Because these are all the setup costs you'll need to pay.

In this episode, we are joined by Mike, a property investor and listener of the show.

Mike started investing in property at 23. Now he owns 3 investment properties and his own home in Wanaka.

Mike shares they story about how he grew his property portfolio, even when the lending started to get tough.

In this episode, we discuss how likely it is that you'll win Lotto.

This includes your chance of winning Powerball and 1st division.

We also discuss the chance that you win big if you consistently play Lotto over the next 20 years.

All of this is to give you a sense of whether you should bet your retirement strategy on winning Lotto.

In this episode, we discuss bridging finance. This includes how it works, how much it costs and how you can get a bridging loan.

We go through the rules and regulations, compare open and closed bridging finance and talk about the fishhooks where borrowers get caught out.

Ultimately this is so you can decide whether a bridging loan is the right move for you.

In this episode, we discuss the latest OCR decision and monetary policy statement from the Reserve Bank.

This includes what it means for interest rates, property prices, and your mortgage.

We play clips from the recent press conference so you can get under the hood and understand what the Reserve Bank really means.

In this episode, we discuss ANZ's recent OCR forecasts, along with why they think the OCR will go up to 6%.

We go through their house price and interest rate forecasts and go through what the media may have missed.

This is all as a preview for the next OCR announcement that comes out this afternoon.

In this episode, we compared offset mortgages vs revolving credits.

This includes what they cost, how they work and how you can use them to save money on your mortgage.

We go through which banks offer each option and what actually makes them different.

That way you can decide which option is right for you.

In this episode, we dig into the data to find out which properties sell the fastest.

We look at 5 factors, including the number of bedrooms a property has, the land type, the property type, the price and the location of the property.

You can then use this as a priority list to understand which factors you should pay attention to and which don't matter as much.

In this episode, we are joined by Jesse for a live coaching session.

Here, Andrew reviews Jesse's portfolio and financial situation and then recommends what she should do next in her property career.

Jesse shares how she bought her first home in Canterbury, which is now an investment property. But should she keep it?

That's what she and Andrew discuss.

In this episode, we discuss how you can find good boarders for your property.

This includes where to find boarders and flatmates, how to tell if they're any good, and how much you can make by having a boarder.

If you are looking to pay off your mortgage early by getting flatmates, this is the episode to listen to.

In this episode, we are joined by Steve Goodey, a professional, full-time property investor.

Steve shares his biggest learnings, including the lessons it took 25 years to learn.

He also tells us what he'd do if starting again from scratch.

And we also mention the Succeed in Property Bootcamp with Steve Goodey Sunday, 17 March in Auckland. Click the link to get your tickets

In this episode, we discuss out latest interest rate predictions, including whether the OCR could go up to 6%.

ANZ, our country's largest bank predicts that the OCR could go up further. Could it happen, or are they just thirsty for headlines?

We dig through the numbers and other banks predictions so you can get a sense of what might happen to interest rates.

In this episode, we discuss how much you could have made by buying an average property in New Plymouth over the last 10 years.

This includes a look at the actual interest rates, inflation, rental inflation and property price growth you would have seen.

Ultimately, this gives you a sense of how much you can make each year in property and how volatile the returns tend to be.

We also mention Private Property, Andrew's free weekly newsletter. Click the link to get a copy in your inbox.

In this episode, we discuss how many properties you can buy over the next 10 years.

This includes new data from the Reserve Bank that reveals how many properties you can buy before and after the DTIs come in.

We also talk about how many properties you can potentially buy if you invest outside of the DTI rules.

In this episode, we go through the top places to invest where house prices are under $500k.

We look at whether each area is under or overvalued, how high incomes are and what the average yield is.

This includes a look at towns like Taumaranui, Invercargill, Whanganui, Ashburton and many other towns in New Zealand.

In this episode, we are joined by Tessa for another Case Study Sunday.

Here, Tessa shares how she and her husband Adam bought 4 properties over the last 10 years.

Now they are in their mid-30's and own 4 properties – their own home and 3 investment properties.

This includes how they saved for their first and second home deposits, the opportunities they took and the money they've made.

In this episode, we discuss the Servicing 7. These are the 7 tactics you can use to keep investing even when DTIs come in.

This includes actions like investing in New Builds or commercial properties, and using non-bank lenders.

With these tactics in mind, you may be able to keep growing your portfolio even when these new rules come in.

In this episode, we discuss a recent Stuff.co.nz article. This article suggested that Treasury thinks NZ needs a Capital Gains Tax.

We talk about the documents that Stuff.co.nz reported on, and whether the news website was being entirely truthful.

As we discover, the impression the article gives is not entirely accurate.

And as mentioned here is the link to Treasury's Briefing to Incoming Minister of Finance slide deck.

In this episode, we discuss where the best places to invest in New Zealand are.

This includes a discussion of how over or undervalued each area is, the average house price, and the yields.

Ultimately you can use this information to get a sense of where to (and where not to) invest.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How to keep buying property when DTI’s come in [2024]'.

In this episode, we discuss what property investors and homeowners need to know about buying property that is on contaminated land.

We talk about how a piece of land gets contaminated and what you can do to fix it.

This includes what to look out for and how to know if it is a real issue (or not).

In this episode, we discuss co-ownership schemes and whether they are a scam ... or a sound way to get into property.

We review different shared equity schemes, including those by Kainga Ora, the Housing Foundation, Ngai Tahu, YouOwn, Own by Williams and Aera.

This includes the pros and cons of each scheme, how they make their money and whether it could be the right fit for you.

In this episode, we discuss how much discount you can negotiate off your interest rate when you get a mortgage.

We look at the latest rates our team at Opes Mortgages have got from the banks, along with what the lenders are actually advertising.

This gives you a sense of what rates you can actually get from a bank when you next apply for a mortgage.

In this episode, we discuss a case study of a first home buyer who is getting killed by high interest rates.

He asks whether he should sell his home and rent instead.

We dig through the numbers to look at whether it makes sense to sell his home, rent, and try to buy it back later when interest rates are lower.

In this episode, we discuss our latest interest rate predictions for 2024.

This includes how fast interest rates could come down, and the data behind the predictions.

We look at interest rate forecasts out of the banks and talk about our long term interest rate forecasts.

In this episode, we discuss the best way to own an investment property – trusts vs companies vs own name.

We go through a couple of case studies to show when each structure would work best.

Ultimately, you need to talk to an accountant to figure out the right way to own properties in your situation. But, using this podcast, you can get a sense of what could be right for you.

In this episode, we discuss how high net migration impacts the New Zealand property market.

This includes where the new migrants choose to live, and how many properties they tend to buy.

We also mention our upcoming webinar ⁠⁠New mortgage rules: How to keep buying property when DTI’s come in [2024]⁠⁠ on Tuesday February 13th at 7pm. Click the link to register

In this episode, we go through 5 facts that property investors need to hear in today's market.

This includes how to price your properties, what to build, where to build it, and how to make all of these decisions.

Ultimately, this shows that property development is more than just putting up a few houses.

And we also mention our upcoming Developer Event in Auckland on March 21st, so click the link to register.

In this episode, we answer some of the main questions investors and first home buyers have about debt to income ratios (DTIs).

This includes what DTIs are, how they'll impact the property market and who will be most impacted.

We also mention our upcoming webinar ⁠New mortgage rules: How to keep buying property when DTI’s come in [2024]⁠ on Tuesday February 13th at 7pm. Click the link to register

In this episode, we discuss what will happen to house prices when the Reserve Bank brings in Debt to Income Ratios.

This includes how DTIs have impacted house prices when other countries have brought them in.

We also talk about how much debt the country has and how fast incomes go up.

This acts as a proxy for how much debt there already is, and how fast prices can go up.

In this episode, we are joined by Katherine and Stuart from Hamilton to discuss how they started investing in property.

They share the numbers on a few of their deals and explain the stories that went along with them.

This includes how Stuart started his own spa and transport business, and how Katherine used property to buy a supermarket.

In this episode, we discuss what to do when you make an offer on a house and the real estate agent tells you it's a multi-offer.

This includes what you have to do, how to improve your offer, and how to negotiate with the agent.

Ultimately, this gives you the heads up about what property investors, home buyers and first-home buyers need to know in a multi-offer situation.

In this episode, we discuss who wins and loses from the Reserve Bank's new mortgage rules.

The winners include first-home buyers, developers, non-bank lenders and people buying New Builds.

The losers, on the other hand, are banks, mortgage brokers, investors, renovators and (even) doctors.

In this episode, we discuss how the new Debt to Income ratio Restrictions (DTIs) will impact different Kiwis.

We go through different scenarios to look at what it means for investors, home owners, first home buyers, business owners and a whole heap more.

We also mention our upcoming webinar New mortgage rules: How to keep buying property when DTI’s come in [2024] on Tuesday February 13th at 7pm. Click the link to register

In this episode, we discuss the 7 lies you'll tell yourself that could stop you from investing in property.

These are the key things we hear over and over again from investors ... like:

We talk about when these statements make sense, and when they're just excuses.

In this episode, we react and respond to mean comments people have left on our Facebook and Instagram accounts.

This includes comments like "Fix your soul" and accusations of being "snake oil salesmen".

While this is a fun episode, we also address some of the big questions about the different ways to invest in property.