Property ExpLained

In this episode, you’ll learn why you shouldn’t be comparing your property portfolio to someone who started investing before you. Investing is a lot harder nowadays, then it once was. That said, one of the main questions investors ask is: “How many properties can I buy over the next 10 – 15 years?” Here’s our spreadsheet to answer the ultimate question. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

In this episode, you’ll learn all about bridging finance. It is a special type of mortgage, that allows you to buy a new home before you sell your current one. While it can be helpful to get you through a temporary situation, bridging loans are expensive. So, they won’t be the right fit for everyone.  And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

In this episode, you’ll learn the amount you get from NZ superannuation is different for each retiree. If you earn extra income (e.g. a part-time job, rent from an investment, shares) the amount you get in the hand may be less. This isn’t because you qualify for less superannuation, but because you are taxed at a different rate if you earn other income at the same time. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

In this episode, you’ll learn whether or not properties with more land go up in value faster. The perceived wisdom is: more land equals more capital growth. But is this true?  And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn what a reverse mortgage is, and why they can be a good option for retirees. But I’ll also discuss why we, here at Opes Partners, don’t count it as a retirement strategy. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn about the Opes’ Build and Hold strategy. It’s like the Buy and Hold strategy, but with a twist. For investors, it's a lower risk, hands-off strategy that focusses on New Build investment properties. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article on the Opes...

In this episode, you’ll learn some of the benefits of Trauma Insurance and how it provides financial support during serious health issues. You’ll also get an idea of cost, and why this insurance can be an essential part of your financial planning. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article...

In this episode, you’ll learn whether or not a falling market is a good time to buy, sell, wait or invest. The right answer will be different for everyone, depending on what your property goals are. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn what the bright line test is, who it applies to, and what the recent changes are. As of July 1, the bright-line test is 2 years. This means, if you buy a residential property and then sell it within 2 years of owning it, you may have to pay tax. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other inf...

In this episode, you’ll learn the top 5 things you can do as an investor, to get the best possible tenant. It all comes down to buying the right property, doing good research, and keeping up with the maintenance. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn what’s involved in subdividing a piece of land. It’s something that property owners with large backyards often think about. While it can be a very lucrative option, it’s often more expensive and complicated than most expect. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article ...

In this episode, you’ll learn that there’s no hard age limit to buying an investment property. It’s not uncommon for investors in their 60s to get approved for a mortgage.  But there is a bit more admin involved to get the “yes” from the bank. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article on the Opes w...

In this episode, you’ll learn whether investing or buying your dream home is the right choice for you. There are two ways to answer this question: 1) with numbers; 2) with emotion. I’ll answer this question both ways. That way, you can make the decision that’s right for you. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the...

In this episode, you’ll learn how the property market cycle can be visualised using the property clock. Everyone knows that sometimes property prices increase. Sometimes they decrease. The property clock tells you where we are within these natural market cycles. This means, it can be a tool to help you make better informed investment decisions. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠...

In this episode, you’ll learn how fast rents have increased in New Zealand. This way you can decide what to use when forecasting your investment properties. In New Zealand, over the last 30+ years rents have increased 4.60% annually (on average). But that's an average. Rental increases fluctuate. Sometimes rents will go up faster or slower than average. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

In this episode, you’ll learn the 5 most common ways to measure property investment returns. Every investor wants a property that gives the “best” return. But there are lots of ways to measure these returns. There is no single “right” way to do it. Each investment strategy can be successful … depending on how you measure success. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

In this episode, you’ll learn 10 ways to help manage your investment property top-up. It can feel pretty painful to be a property investor at the moment. The average top-up for a property bought today is $350 to $550 a week. That’s if you’re borrowing all the money to invest. That’s a lot. So many property investors look for ways to free up cashflow.  And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠...

In this episode, you’ll learn the 4, long-term assumptions that Opes uses in its Return on Investment spreadsheet. You’ll also learn our reasons why we use them. You can make any investment property look deceptively good (or bad) by the numbers you use. There are lots of numbers you could change, but only four assumptions (unknowns) make a massive difference to the outcome. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠...

In this episode, you’ll learn the pros and cons of rental guarantees. Importantly, you’ll also learn the 3 problems with them (that you can’t ignore). Right now the property market is slow, particularly for New Builds. So, developers are looking to drum up sales without reducing the price. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in...

In this episode, you’ll learn the top 6 uncertainties in property investment. You’ll also get strategies you can use to combat them. All investments come with some risk. If you’re going to improve your life through investment property you need to get comfortable with some level of uncertainty. If you avoid all risk, your returns will likely be small. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠...

In this episode, you’ll learn how New Build properties go up in value compared to existing properties. Investors often worry that New Builds depreciate the same ways new cars do. After all, New Builds aren’t new forever. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn the 5 property features that really matter to homeowners, but that shouldn’t be a big deal to investors. To be fair, it’s not that these factors are irrelevant, but they shouldn’t be at the top of your priority list. It all comes down to using an investor mindset. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in th...

In this episode, you’ll learn the instances where a developer can – and sometimes will – increase the price of your new build contract. Developers can increase the price of most contracts. But some contracts make it easier than others.  And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn what factors suggest a developer might have a bit more risk than others. This is important because developers aren’t regulated. That means a developer with no experience, and with no finance in place, could set up shop and start selling properties for a 200-unit project. So the onus is on you to weed out the good from the not-so-good. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h...

In this episode, you’ll learn the 5 main factors that will determine how much income you need to buy an investment property. Ultimately, it depends on your personal circumstance. Two people can have the same income, but the bank will lend them different amounts of money. And click  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  to see all the charts and other info in the written article on the Opes...