The Property Academy Podcast

How do you set up your bank accounts as a property investor? In this episode, Ed and Andrew discuss how to structure your bank accounts properly as a property investor – so you can stay organised, keep your accountant happy, and avoid a tax-time headache. You’ll learn: The exact number of bank accounts you actually need (and why one per entity beats one per property) The #1 mistake that drives acc...

Is our Government really manipulating house prices? In this episode, Ed and Andrew discuss whether the New Zealand Government is quietly manipulating house prices, and the surprising reasons why they might want to. You’ll learn: The top 5 ways politicians and policymakers influence property values (without admitting it) How rising house prices create a “wealth effect” that boosts spending and vote...

From flipping burgers to flipping houses (almost)... How did Alex’s McDonald’s career give him the numbers skill to invest in? In this episode, Alex shares the key turning points that helped him move from crew member to property investor. You’ll learn: How Alex turned his first home extension into the equity needed to invest Why did he partner with a mate to buy his first investment property His b...

Why can't you sell your house to your trust for just $1? In this episode, Ed and Andrew discuss why you can’t just sell your house to yourself (or your trust) for $1 – even though it might sound like a clever move. You’ll learn: How investors legally “sell their house to themselves” – and when it makes sense. The top 3 reasons Kiwis shift property ownership into trusts and companies. The #1 mi...

Most Kiwis ask the wrong question when it comes to investing – they focus on returns, not risk. In this episode, Ed and Andrew break down what “risk” actually means in investing (and why your home might be riskier than you think). You’ll learn: How to actually measure investment risk (with one simple equation). What the “standard deviation” is… and why it’s the most important concept you’ve never...

The Reserve Bank just surprised everyone – cutting the Official Cash Rate (OCR) by 0.5%. In this episode, Ed and Andrew unpack what happened, why the cut was bigger than expected, and what it means for your mortgage. You’ll learn: Why the economy’s weaker-than-expected GDP pushed the RBNZ to act fast How this surprise cut could drop the 1-year fixed rate to around 4.35% How much could you save Ed...

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at ⁠how the "7 Must Have Tools For Every Property Investor In NZ" In this podcast you'll learn: what the tools are where to get them And how to use ⁠⁠Opes+⁠⁠ Check out all the tools here: ⁠Can I afford an investment property?⁠ ⁠SortMe⁠ (click the link to get the discount) ⁠A...

As a property investor, you likely have many questions: Can I afford an investment property? Which one should I buy? How do I set it up right? In this episode, Ed and Andrew break down the 7 essential tools every property investor needs to plan, buy, and manage their portfolio in 2026 — all for less than $10 a month. You’ll learn: The 2-minute tool that shows if you can afford an investment proper...

Most Kiwis know about compounding returns, but few actually take advantage of them. Why? Because they’re stuck thinking in days or weeks, rather than decades. In this episode, Ed and Andrew explain why short-term thinking keeps you broke, and how to shift your mindset to unlock long-term wealth. You’ll learn: Why even smart people struggle to commit to investing How the wealthy think in decades, n...

One senior politician has openly said what few dare to – house prices in New Zealand should fall. But is he really fixing the housing crisis, or just tinkering at the edges? In this episode, Ed and Andrew tested his policies and scored his performance so far. You’ll learn: The three tests to figure out if the reforms are actually working What’s been delivered (like fast-track approvals) and what’s...

In this episode, we sit down with Nick for a candid case study on building wealth through property while still making space for life. Nick has slowed his investing pace, but not because he’s stopped progressing. Instead, he’s made deliberate choices that balance financial growth with enjoying the present. You’ll hear: How Nick has grown and reshaped his property portfolio over time The crucial ste...

Most Kiwis watch the Official Cash Rate (OCR) to guess where interest rates are heading. But there’s another number that actually drives your mortgage rates day to day. In this episode, Ed and Andrew go full nerd-mode to explain how swap rates work, why banks care about them, and how you can use them to predict future mortgage cuts (or hikes). You’ll learn: What swap rates are and why they matter...

You’ve heard of a double-dip recession. But did you know property downturns in NZ often follow the same “W-shaped” pattern? In this episode, Ed and Andrew explain how the latest housing slump has played out just like the 90s, the GFC, and 2021-24. You’ll learn: Why recent property price data shows we’ve likely just hit the second dip The historical patterns that prove New Zealand downturns often r...

The Tenancy Tribunal is where landlords and tenants battle it out, and sometimes the results are jaw-dropping. In this episode, Ed and Andrew unpack the five largest Tribunal cases they could find, and what they mean for landlords and tenants alike. You’ll learn: Why one landlord had to pay $21,000 for renting out an unlawful property How toxic lead paint and cockroach infestations cost other land...

A revolving credit mortgage can be confusing. Is it an overdraft? A savings account? Or just another type of loan? In this episode, Ed and Andrew explain revolving credit, how to use it properly, and the common mistakes Kiwis make. You’ll learn: How to pay off your mortgage up to 20 years faster using the “Mortgage Buster” strategy The difference between reducing and non-reducing revolving credits...

Every investor has felt that sinking feeling after a decision: "Did I just make a mistake?” In this episode, Ed and Andrew unpack investor remorse, who’s most likely to feel it, and how to keep it from derailing your financial future. You’ll learn: The two types of investor remorse — and which one haunts people most in the long run Why “maximisers” feel regret more often than “satisficers” Pr...

1.9 million Kiwis don’t own the home they live in – but the reasons why go far beyond “greedy landlords” or “high house prices.” In this episode, Ed and Andrew discuss the data, myths, and structural changes that have reshaped the housing market. You’ll learn: Why house prices have risen 4.7x since 2000, while incomes only grew 2.7x How tougher bank deposit rules have made it harder for first-home...

At 23, Sam was recovering from a life-changing accident with just $3,000 to his name. Fast forward to today, and he’s built $800,000 in equity through property investing. In this episode, Sam shares his investing journey's real ups and downs. You’ll learn: How Sam turned $3k into a property portfolio worth over $800k in equity Why aggressively paying down debt gave him options when markets shi...

Not all work is created equal. Some tasks are worth $40 an hour… but others can build wealth at the equivalent of $10,000 an hour. In this episode, Ed and Andrew break down the high-value tasks, why most Kiwis avoid them, and how you can carve out time to focus on them. You’ll learn: The difference between $40/hour busywork and $10k/hour wealth-building tasks Why the most valuable moves are import...

Many landlords believe the Tenancy Tribunal is stacked against them, but is that actually true? In this episode, Ed and Andrew examine the data, the law, and 1,000 real Tribunal cases to uncover whether the system really favours tenants. You’ll learn: What MBIE told us when we asked for Tribunal outcome data What happened when we hired a data scraper and analysed 1,000 rulings ourselves Why the nu...

Ever wondered what sets the wealthy apart? It’s not just luck – it’s mindset, strategy, and action. In this episode, Ed and Andrew unpack the 7 lessons that the top 1% live by and explain how everyday Kiwis can apply them, too. You’ll learn: Why the wealthy focus on long-term wins instead of chasing daily gains How to use leverage the smart way, without putting yourself at risk The single biggest...

When disaster strikes, you hope your insurer will come through. But do they actually pay out – and when do they say no? In this episode, Ed and Andrew unpack the facts behind insurance payouts in New Zealand, including real case studies where claims were denied, underpaid, or fully covered. You’ll learn: Why over 90% of claims get paid – but the small print still matters The top reasons insurers r...

Most properties don’t start cashflow positive. In fact, the first year is usually the least profitable. But your rental income rises over time while your mortgage stays the same (or even falls). In this episode, Ed and Andrew explain why inflation is a property investor’s best friend, and how it steadily turns money-losing rentals into cashflow machines. You’ll learn: Why the first year of owning...

Many Kiwis hit 40 and suddenly realise… “ I’ve got almost nothing saved for retirement. What do I do? ” In this episode, Ed and Andrew break down the five steps you need to take to get back on track – and why it’s never too late to build a plan. You’ll learn: How to calculate how “screwed” you actually are (without needing a budget) Why tweaking your timeline, income, or investment strategy can ma...

Marcus spent a decade searching for his first investment property. It hasn’t all been smooth sailing, but it’s changed how they see investing. In this episode, Marcus shares what it’s like to take over tenancies, run inspections, and host open homes himself. You’ll learn: How a 10-year property search finally led to buying two dwellings on one title Why self-managing tenants went from uncomfortabl...