The Property Academy Podcast

What if the key to building 3x more wealth wasn’t about earning more … but getting help? In this episode, we reveal the surprising reason people build significantly more wealth just by working with a financial adviser – and it’s probably not what you think. You’ll learn: The key differences between Kiwis who build wealth and those who don’t Why knowledge isn’t enough (and how accountability change...

This is one of the most common questions we get from older Kiwis: “Is it too late for me to invest?” In this episode, we break down what it takes to get a mortgage in your 60s – and how one listener used the no-cash-needed method to try and make it work. You’ll learn: Whether age really is a barrier to investing in property How lenders assess mortgage applications when you’re over 60 How to boost...

In this episode, we reveal the banks now offering 10-year interest-only mortgages – and why this could be a game-changer for property investors. While most banks cap interest-only terms at 5 years, some are now doubling that time frame. But that doesn’t mean it’s easier to get. In fact, the lending criteria are often stricter. We dig into the differences between ANZ and TSB’s approaches, including...

Divorce isn’t just emotionally devastating – it can kill your finances. In this episode, we reveal five real-life divorce horror stories and the costly mistakes investors made when their relationships broke down. Whether it’s family trusts backfiring, prenups falling over, or messy asset disputes, you’ll hear exactly what went wrong – and what you need to do to protect yourself. You’ll learn: 5 tr...

Most Kiwis think a trust will protect their assets in a break-up. But that’s not always true. In fact, without a relationship property agreement (a prenup), even your trust could be challenged in court. In this episode, we break down the real risks of not having a prenup – including how one Kiwi lost his house, despite putting it in a trust – and explain how to put a contracting out agreement in p...

Getting a mortgage isn’t just about picking the bank with the best rate. There are key decisions and financial tests you need to understand before the bank will lend you money. In this episode, we break down everything you need to know to master your mortgage – from figuring out how much you can borrow, to setting up your loan the right way. You’ll learn: The 3 bank tests you must pass before you...

Most 18-year-olds are worried about uni, flatting or getting their licence … not about mortgage rates and tenant cashflow. But Kaylee is different. At just 18, she bought her first rental property. And she didn’t need a $150k deposit to do it. In this episode, we unpack Kaylee’s story – and what her journey can teach parents and young Kiwis about getting into the property market early. You’ll lear...

Weddings are beautiful … but they can also cost a fortune. So in this episode, Ed shares the exact tactics he and his fiancée are using to keep costs down – while still making the big day feel special. You’ll learn: How much Kiwis actually spend on weddings (hint: it’s not $30k anymore) 7 practical, real-world ways to cut wedding costs without cutting joy Why a smaller wedding might mean a wealthi...

Some people swear by vision boards. Others think they’re woo-woo nonsense. So in this episode, we put them to the test. You’ll hear what’s on Ed and Andrew’s personal vision boards and why these visual goals might (or might not) work for you. This episode is for anyone who’s ever struggled to stay motivated while working toward financial freedom. The surprising item Andrew put on his vision board...

Online property estimators promise to tell you what your house is worth. But which one is actually accurate? And how close are the estimates to reality? In this episode, Ed and Andrew are joined by Vanessa from Realestate.co.nz, who shares the results of comparing over 75,000 online house estimates with actual sale prices. You’ll learn: Which property valuation tool is the most accurate in New Zea...

In this episode, we ask a big question — what’s the real limit on house prices? Because many Kiwis wonder: If incomes don’t rise much … how can property prices keep going up? We unpack: The latest house price-to-income ratios across NZ (and how they compare internationally) Whether Tauranga and Auckland are truly “the most unaffordable” – or if the data hides something deeper Why DTI (debt-to-inco...

Not everyone wants to wait until 65 to enjoy life. For some Kiwis, financial freedom isn’t about retirement — it’s about creating options earlier. In this episode, we explore how property can help you fund a mini-retirement and give you a break from work now (not just later). You’ll learn: 4 strategies to use your properties to fund time off work How much a mini-retirement can actually cost Why on...

You’re in your 40s – your income’s peaking, your expenses are soaring, and everyone wants a piece of you. It’s easy to think “I’ll deal with investing later.” But that could be the biggest financial mistake you ever make. In this episode, we break down: The riskiest money move you can make in your 40s The biggest untapped resource most 40-somethings forget they have Why delaying investing means sa...

In this episode, we meet Nefe and Dan – a young Kiwi couple who hit their goal of owning three properties by the time they turned 30.They didn’t win the lottery. They didn’t start with heaps of money. But what they did do was sacrifice, hustle, and learn to work the system. You’ll learn: How to use the bank’s money (not just your own) to grow a portfolio Why sacrificing birthdays and travel helped...

Not all mortgage brokers are created equal. And if yours isn’t doing their job properly … it could be holding your investment journey back. In this episode, we reveal the 5 signs that it’s time to fire your broker. And we also cover the #1 sign that you’ve found a golden one you should never let go. You’ll also learn: What bad brokers do that can kill your ability to grow a portfolio How to find a...

How do you know if your property’s yield is actually good ? Most investors have no clue if they’re doing better than average. In this episode, we reveal new nationwide data that shows what a “good” yield really looks like. We also break down what investors in Auckland, Canterbury and Southland should expect – and why comparing yourself to the national average might be a mistake. You’ll learn: What...

So many Kiwis delay investing – waiting for the perfect moment, the right mindset, or just more time. But “someday” often turns into “never” … and that delay can cost you tens of thousands in lost gains. In this episode, we dive into what we call Someday Sickness – why it happens, what it’s costing you, and how to cure it so you can finally take action and start investing. You’ll learn: The real c...

We’ve all heard about the so-called “Great Wealth Transfer” — $1.6 trillion expected to pass from Baby Boomers to the next generation. But does that mean you’re about to inherit a fortune? Not quite. In this episode, we unpack what’s really going on with inheritances in New Zealand and why some people might be sorely disappointed. You’ll learn: Why the average Kiwi probably won’t see a cent from t...

When you get a rental appraisal, can you trust it? Or is it just a guess that’s designed to help someone make a sale? In this episode, we reveal never-before-seen data on just how accurate rental appraisals really are – based on properties actually rented across Christchurch and Auckland. You’ll hear the numbers, the surprising truth, and what it means for you as a property investor. You’ll learn:...

Most Kiwis assume NZ Super will always be there. But is that really true? Could the age change? Could the entire system be scrapped? In this episode, we dive into the numbers behind NZ Super and how it might change in the future. Plus, how this could affect your retirement plan. You’ll learn: Why the government may not be able to afford the current system How increasing life expectancy could delay...

When Warren landed in New Zealand, he had just $20 in his bank account. Fast forward to today, and he owns a portfolio of seven investment properties. In this episode, we share Warren’s incredible journey — including how he worked multiple jobs, educated himself, and used second-tier lending to scale up his property investments. You’ll learn: How Warren saved enough to buy his first home despite s...

Most property educators say they invest … but do they really? In this episode, Ed and Andrew lay it all bare – the actual properties they’ve purchased, the cashflow they’re earning, and the lessons they’ve learned. They dig into what’s worked, what hasn’t, and how they’re thinking about their portfolios in 2025. You’ll learn: Which properties they personally bought (and how they’re performing) How...

Not sure if you’re really ready to invest in property? In this episode, we share the ‘Can I Invest Test’ – a simple way to test-drive the cashflow demands of a new investment before you take the plunge. It’s a financial dress rehearsal that gives you certainty (and a chance to pull out if the numbers don’t work). You’ll learn: How to figure out the actual top-up your property might require The sim...

Not all share investing platforms are created equal. In this episode, we compare five of the most popular investing platforms used by Kiwis – Sharesies vs Hatch vs Kernel vs Stake vs Tiger Brokers. Even though property is our main gig, we know a lot of you dabble in shares too. So, we put these platforms head-to-head and asked: Which is the fastest to get started on? Which one has the best fees? A...

Think there’s only one way to invest in property? Think again. In this episode, we run through 13 different property investment strategies that Kiwis use – and we explain each one in 60 seconds or less. Whether you’re brand new or already investing, there’s likely a strategy here you haven’t considered. You’ll also hear how many of these strategies Andrew has personally used (hint: it’s most of th...