The Property Academy Podcast

Think your property is worth more than it really is? That mistake could stop your next mortgage application before it even gets started.In this episode, Ed and Andrew explain why so many investors overestimate their property's value, how it affects your borrowing power, and the simple check to make before you walk into the bank. You'll learn: The one mistake that can kill your mortgage application...

Most people have one bank account for everything.Ed used to have five. Now he does it differently.In this episode, Ed and Andrew compare the famous Barefoot Investor bucket system with how they actually manage their money today ... and what really matters when setting up your bank accounts. You'll learn: A simple way to set up your bank accounts to manage money better How real property investo...

The Reserve Bank just lifted the OCR.So what does that actually mean for your mortgage?In this episode, Ed and Andrew unpack the latest OCR decision, why the Reserve Bank made the move, and what it means for interest rates in the months ahead. You'll learn: What the Reserve Bank's latest OCR decision means How much your mortgage rate could change The interest rate discounts investors are g...

Wellington's property market has been hit harder than anywhere else in New Zealand. So how long will it take to recover?In this episode, Ed and Andrew unpack why Wellington has fallen so far, and what the numbers suggest about its road back.You'll learn: How long will Wellington house prices be munted Why Wellington has underperformed the rest of New Zealand Whether Wellington is a propert...

Mum and Dad want to help with your deposit. Simple... right?In this episode, Ed and Andrew explain how gifted deposits actually work, why the paperwork matters more than most families realise, and the costly mistakes that have landed real Kiwi families in court. You'll learn:The difference between gifting and lending a deposit What banks need to see before they'll approve a gifted deposit...

Auckland used to lead New Zealand's property market. So why has it spent the last decade falling behind?In this episode, Ed and Andrew unpack Auckland's "lost decade", why prices have lagged behind much of the country, and when the city's property market could finally start catching up again. You'll learn: Why Auckland has underperformed for the last decade How one small...

As a property lawyer, Holly spent nearly 10 years watching people make ... and lose money in property. Then she became an investor herself.In this Case Study Sunday, Holly shares what she learned after nearly 10 years as a property lawyer. You'll learn:The biggest investing mistakes Holly saw as a property lawyer What happened when she bought a property at the peak of the market How she's...

Most people think you can't renovate a townhouse. But that's only true if you're thinking about structural changes. In this episode, Ed and Andrew reveal the clever upgrades that can completely transform a standard new-build townhouse, and the renovations that simply aren't worth doing. You'll learn: What you can and can't renovate in a townhouse The upgrades that make a to...

Should you renovate your rental property to get more rent?Maybe. But some upgrades deliver far better returns than others.In this episode, Ed and Andrew break down the renovations and upgrades that actually move the dial on rent ... and the ones that cost thousands of dollars without adding much rental income. You'll learn:Which renovations can genuinely increase your weekly rent The $7,000 up...

Most people think being a landlord is all about collecting rent.Then reality kicks in. In this episode, Ed and Andrew sit down with Tiffany Bracey from Opes Property Management to count down the 5 things that shock new landlords the most. You'll learn:The top 5 surprises new landlords face How often can you really increase the rent The thing landlords are scared of (but shouldn’t be)The surpri...

Boarding houses can generate rental yields that most property investors only dream about. But there's a reason for that.In this episode, Ed and Andrew unpack the reality of investing in boarding houses. You'll learn:Should you invest in boarding houses … pros and cons revealedHow much rental yield can a boarding house generate Who should buy a boarding house ... and who should probably avo...

You find the perfect property on Trade Me.It's listed between $800,000 and $900,000. But can you actually buy it for that? In this episode, Ed and Andrew unpack how price ranges really work. You'll learn: Where Trade Me price ranges actually come from How far below the asking price do properties typically sell The rule of thumb to use before you bid at auction The surprising part? The numb...

Most Kiwis are told to work hard, pay off their mortgage, contribute to KiwiSaver, and everything will work out. But what if that's no longer enough?In this episode, Ed and Andrew break down the 6 laws of wealth building they believe every New Zealander should understand. You'll learn: Why building assets is different from earning a salary The money maths most Kiwis never run The 6 laws th...

Most students use their student loans to get through university. This Kiwi investor used hers to buy a property. Today, she's built a $6.5 million property portfolio ... and now has her 14-year-old daughter helping with the accounts.In this Case Study Sunday, you'll learn:How she used her student loan to buy her first property The strategy she used to build a $6.5 million portfolioHow she&...

Many landlords dread getting a Tenancy Tribunal notice. But should they?In this episode, Ed and Andrew unpack how the Tenancy Tribunal actually works, what the most common disputes look like, and why being taken to the Tribunal isn't necessarily a sign that something has gone wrong. You'll learn: Whether landlords should really be worried about the Tenancy Tribunal What a typical Tribunal...

Income tax. Rates. Bright-line tax. GST. These are the main taxes property investors need to know about. But many investors don't understand when they apply ... or how much they could end up paying.In this episode, Ed and Andrew break down the 4 main taxes every property investor pays. You'll learn:The 4 taxes and charges property investors need to know about How you can hold for 10 years...

Most property investors look at council rates the wrong way. They focus on the bill amount, not how much rent it takes to pay it.In this episode, Ed and Andrew reveal the cheapest and most expensive council areas for property investors. You'll learn:The CHEAPEST Rates in NZ for Property InvestorsAND the most expensive areasWhat the Government’s incoming rates cap means for your cashflowThe sur...

A property with a 7.7% gross yield sounds cashflow positive… right? Not necessarily.In this episode, Ed and Andrew run a real Trade Me listing through their full property analysis process. You’ll learn: The 6-step process to analyse almost any investment property in New Zealand Why gross yield can be misleading when assessing cashflow The hidden costs that catch rookie investors out Main lesson? A...

Most property renovations don't make you rich. But the right renovation can dramatically increase your rent.In this episode, Ed and Andrew sit down with renovation expert Mark Trafford to uncover the renovation plays that actually move the needle on cashflow. You'll learn:The renovation plays that actually move the rentThe top 3 places to spend renovation dollars for cashflow The question...

House prices don't just go up and down. Sometimes they get ahead of themselves.In this episode, Ed and Andrew count down the 5 most overpriced property markets in New Zealand for 2026.You'll learn:Top 5 most overvalued areas in New Zealand right now Why investors are still buying in a district that's 34% overvaluedThe #1 area most at risk of a property price crashThe surprising part? T...

Most 22-year-olds are saving for their first home. Nick had already bought one ... and was busy renovating it. In this Case Study Sunday, Nick shares how he went from leaving school at 16 and working in construction to building a property portfolio across New Zealand. You'll learn:How Nick bought his first Auckland property at just 22 Then partnered with his mum to add $300k in value How he’s...

What does financial freedom actually look like?In this episode, Ed and Andrew share 3 real client case studies and the very different paths they're taking to build wealth through property. You'll learn:3 paths to financial freedom through propertyThe Kiwis who are building wealth through property right now The real strategies they’re usingThe interesting part? All three couples are chasing...

Property development looks simple on paper: Buy a site. Build a few townhouses. Make a profit. But once you run the numbers, the reality can look very different.In this episode, Ed and Andrew break down the real cost of developing property in New Zealand. You'll learn:What you must calculate before buying a development site How a development can lose more than $400k despite looking profitable...

Buying a property with friends, siblings, or family can help you get on the ladder sooner. But what happens when you want to buy your next property?In this episode, Ed and Andrew unpack the different ways co-owners can move forward. You'll learn: How to use a co-owned property to help buy your next one The 6 siblings targeting $250K/year passive income Why some co-ownership structures can acci...

You buy a retirement home, expecting house prices to rise. Then the market falls. Now you're topping up the mortgage every week and wondering whether it's time to sell.In this episode, Ed and Andrew work through a real retirement property dilemma. You'll learn: The three options How long could it take for Wellington house prices to recover The common mistake many Kiwis make when buying...