Property Apprentice Podcast

Send Us A Message! Let us know what you think. What does a mortgage rate hike mean for you? In this episode, Paul gives us an update on the latest mortgage rate increases and what this means if you're dealing with a lender. Stay tuned and subscribe! For topic suggestions, please email info@propertyapprentice.co.nz and if you haven't already done so, please register for one of our upcomin...

Send Us A Message! Let us know what you think. The Fear of Missing Out (F.O.M.O.) is one of the most commonly phenomena reported by people in the property market. Now, people are having a F.O.O.P. (Fear of Overpaying) reaction due to massive changes in affordability and lending. In this episode, Paul builds on a previous segment on new builds. This time, he discusses how new builds perform if valu...

Send Us A Message! Let us know what you think. In this episode, Paul provides you with food for thought before you decide to go down the road of buying a new build. We understand that lot of people are drawn to purchasing new builds lately because of a supposed interest deductibility which is why we've chosen this topic for discussion. Stay tuned and subscribe! For topic suggestions, please e...

Send Us A Message! Let us know what you think. A major concern for many investors now comes from how changes to legislation are affecting their ability to purchase property. While bank lending requirements are certainly tougher, that doesn't mean there aren't any alternatives at hand. Today, Debbie speaks with Linda Eagleton of MiTeam Mortgages and Insurance to broaden your perspective w...

Send Us A Message! Let us know what you think. It's not as bleak as the media reports it to be. Housing policy changes have made it clear that first home buyers are a priority in the property market.  But of course, even with the government aiming to "tilt the balance" in favour of first-timers, getting a 20% deposit is still a challenge for many. Join Debbie Roberts of Property App...

Send Us A Message! Let us know what you think. As the hysteria that comes from a red hot property market  is being doused with fiscal and monetary policies, we've been asked this question: What is there to do next? Paul Roberts, CEO of Property Apprentice, lays out the smart and practical things you can do as a home buyer and investor during this phase of the property cycle.  In the 11 years...

Send Us A Message! Let us know what you think. As we await for an official announcement by the Reserve Bank of New Zealand on lending changes, it has become increasingly clear that a transformation is approaching for the property market. If you've come out empty-handed even while doing everything within your means, don't worry! Like we've always said, this is just one part of a cycl...

Send Us A Message! Let us know what you think. Our title is a quote by Sean Patrick Flannery which has become one of many staple elements in motivational social media content, retail products and team building materials. At the core of this message is a reminder that life will never ever easily hand us what we want unless we work for it today, tomorrow and the next. In this episode, Paul talks abo...

Send Us A Message! Let us know what you think. We've all heard of the success stories of investors fo first home buyers who have managed to score a good deal in the property market in the last few months. While it is inspiring to know that luck is still on the side of those who act today, we should never buy carelessly just to quell the "Fear of Missing Out".  In this episode Debbie...

Send Us A Message! Let us know what you think. Sometimes, life just gets in the way of us doing what we're meant to do. There's career and family obligations, overseas travels and personal projects that consume our time. Right before we know it, we are trying to piece the years together as we approach retirement. If you are in your 50s or 60s and think that you have missed the boat on pr...

Send Us A Message! Let us know what you think. Apart from having the perfect patch for all your yearly vacations and gatherings, did you know that when planned right, a bach can also fit well within your long-term investment goals? Today, Debbie takes on holiday homes--their financial and emotional value as well as the duties that come with owning one. Subscribe to the podcast! For topic suggestio...

Send Us A Message! Let us know what you think. If there's anything hotter than the summer season, it's the current property market.  With lending restrictions coming back in place and a supply shortage all over the country, it has become more challenging for many investors and first home buyers.  But should this be a reason to retreat and surrender? Debbie talks about the consequences of...

Send Us A Message! Let us know what you think. Priorities and goals differ from person to person but what we all have in common is a shared experience on the highs and lows of life. We may not have control over many situations but there's measures we can take to reduce the blow of untoward incidents that could affect our wellbeing, our income and the people we love. Debbie  Roberts and Mike M...

Send Us A Message! Let us know what you think. The property market has proven its resilience in the face of Covid-19. While more seasoned investors make haste to seize good deals as they presently appear, we are also seeing new comers take their chances to jumpstart their investing path. In this episode, Debbie helps you cover your bases as you journey into the post-Covid-19 property market.  Subs...

Send Us A Message! Let us know what you think. What can you do with $20,000? Many things. You can buy expensive items, you can go on trips, you can let it sit in the bank if you don't know what to do with it. But among the thousand and one ways you can use this amount of money, not all of them will add value to you. With just $20k, Debbie shows the right way to jumpstart your property investm...

Send Us A Message! Let us know what you think. The amazing thing about investing in property is that the more attention and hard work you put towards it, the more it gives back to you. In this short session, Debbie answers the most common question she gets from Property Apprentice clients. If you've got questions of your own which you'd like to ask our coaches, write to us: info@property...

Send Us A Message! Let us know what you think. Paul and Debbie didn't start investing in property as high-income earners. But even with budget constraints, they found that achieving their longterm goals is indeed possible with a good strategy and the determination to stick to it. If you're are at a stage in your life where you're seeing obstacles in finances and are unsure how to ta...

Send Us A Message! Let us know what you think. Grab your trusty pen and a piece of paper as we give you the brainstorming essentials for every property investor. Watch the video here for the full lesson: https://youtu.be/9qFSzxLlID0 Debbie simplifies the math of some of the most important concepts such as loan-to-value rations, gross yields, net yield, pretax cashflow, market rent and market value...

Send Us A Message! Let us know what you think. Will my exisiting health insurance provide coverage in case I get Covid-19? With job losses happening everywhere in NZ, will income protection insurance give me a safety net when my company shuts down? Are the insurance add-ons that I buy in banks enough to protect myself and my assets? Gregor Mansfield of MiTeam Mortgages and Insurance   joins Debbie...

Send Us A Message! Let us know what you think. Scientists explain that acquiring new objects trigger the reward system in our brains. This is why unboxing the latest gadgets, lying on fresh sheets or buying your very first property all bring in a feeling of exhilaration. Human as we are, however, this instinctive desire has long been hacked by agents and developers to drive people to make purchase...

Send Us A Message! Let us know what you think. It was not too long ago when Dr. Ashley Bloomfield said that the resurgence of Covid-19 was not a matter of "if" but "when". What had sounded like a grim reminder of the unpredictable nature of the virus became a reality soon after when community transmission was detected in NZ. This session with Debbie sets the facts straight on h...

Send Us A Message! Let us know what you think. We get down to the nitty gritty of the amendments on the Residential Tenancy Act and discuss what it means for landlords and tenants everywhere in NZ. Many of the changes cited are quite reasonable especially those that protect renters' from abuse from their own households and by rogue landlords but a number of the other provisions under the RTA...

Send Us A Message! Let us know what you think. Humans are creatures of habit. As proof of our preference for routine, generations have thrived on folklore as an attempt to explain how the world works. And while stories keep our sense of wonder alive, they're not the most credible reference when investing in property. Today, we discuss traditional beliefs about capital growth, debt structuring...

Send Us A Message! Let us know what you think. A listener asked us if there is such a thing as luck in investing and whether there is a universal formula to guarantee a winning streak when it comes to dealing with property. Luck, (that random positive encounter with chance) plays little to no contribution to good investing outcomes and that universal formula used by successful investors everywhere...

Send Us A Message! Let us know what you think. Linda from MiTeam joins us in this episode to give clarity to your many inquiries about current lending rules and a forecast of what is yet to take place.  Our discussion involves how the changes we are seeing with the banks affect those eager to send in their applications, those who are hopeful first home buyers and property investors looking to get...