The Property Academy Podcast

In this episode, we discuss how fast interest rates are actually falling — and what that means for your mortgage. You’ll learn: Why Trump’s tariffs could be the surprising reason your mortgage just got cheaper Which fixed-term rates have dropped the most in the last 30 days And why negotiating your rate is getting harder (unless you know what to ask for) Want to know what your repayments will look...

In this episode, we discuss what happened when we challenged ourselves to live off the New Zealand Superannuation for a full week — and spoiler: it was harder than we thought. You’ll learn: What it’s really like to stick to $538 a week (and how fast it disappears) The hidden costs and unexpected bills that trip up even the best budgets And why retiring on NZ Super alone might not be as easy as it...

In this episode, we discuss whether property investing still stacks up in 2025 — or if the golden age is over (and never coming back). You’ll learn: The real returns you can expect from property vs shares today How to know if property is still the right fit for your investment strategy And why the idea of a “property cycle” might not be as outdated as some think Want to see how investing compares...

In this episode, we discuss how Oliver — a 23-year-old investor — bought his first home in Tauranga, went from landscaper to accountant, and used a clever Kiwi strategy to pay off his mortgage faster. You’ll learn: How he bought an older home and used boarders to cover the mortgage What inspired him to start investing young (and how he made it work) And the mindset shift that helped him move from...

In this episode, we discuss what to do every time you get paid — and how to create a simple system that helps you grow wealth without overthinking it. You’ll learn: Why budgeting doesn’t work (and what to do instead) How to set up the 4-bank-account system used by Ed and Andrew And how to build your “silent salary” — income that grows while you sleep Want to know what it’ll cost to invest in your...

In this episode, we discuss whether that old saying — “time in the market beats timing the market” — actually holds up. (Spoiler: it does. And we’ve got the data to prove it.) You’ll learn: The best and worst returns in NZ property history — from 1 year to 15 years Why holding for the long term smooths out the booms and busts And why even the worst-timed property purchase in history still turned o...

In this episode, we answer the question: How quickly can you build a property portfolio? You’ll hear: The rule of thumb for how long each property might take to buy The 3 biggest barriers that can slow you down (and how to overcome them) Real stories from Kiwi investors – including one listener who bought 4 properties in just 10 months And download your copy of the spreadsheet mentioned here Wheth...

In this episode, we discuss whether New Zealand really has a housing oversupply — or if we’re just misreading the data. You’ll learn: The difference between the total housing stock and the spot market Why listings are high right now, but it doesn’t mean we’ve overbuilt And how supply and demand really interact to push property prices up — or down Want to know what’s really happening with property...

In this episode, we discuss the 3 main types of house price data — and reveal when to use each one (and which to avoid like the plague). You’ll learn: The difference between median price, average value, and house price index Why the data you see on Instagram might be totally misleading And how to get suburb-level insights without needing a spreadsheet Want to know what’s really happening with prop...

In this episode, we discuss the 7 worst types of properties you could buy in 2025 — and how to spot a “bargain” that could actually cost you hundreds of thousands. You’ll learn: The property that sold for just $52,000… but needed $700,000 in repairs Why studio apartments, leasehold titles, and hotel rooms can be traps And how to avoid wasting your deposit on a property that won’t perform If you wa...

In this episode, we discuss how Tamati and Liana doubled their income, moved overseas, and are now building a 10-property portfolio — all while juggling work, kids, and real life. You’ll learn: How they went from earning $160K to $400K — without changing their lifestyle What it’s really like managing investment properties from across the Tasman And the challenges they overcame to go from 1 to 3 pr...

In this episode, we discuss the four wealth mindsets — and challenge you to figure out whether you’re building your financial future… or just playing it safe. You’ll learn: The difference between playing to win vs playing not to lose How to self-assess your mindset using the Wealth Mindset Matrix And how your financial thinking needs to evolve as your life and income grow If you’re serious about b...

In this episode, we discuss the age-old question: should you invest for cashflow or capital gains — and which one will actually make you more money over time? You’ll learn: The pros and cons of each strategy, including real-life numbers When to focus on growth vs income (depending on your stage of life) And how the wrong strategy could slow down your long-term wealth goals To figure out which inve...

In this episode, we discuss how even well-meaning money experts can lead you astray — often without realising it — and what red flags to watch for when getting financial advice. You’ll learn: How to spot bias in financial coaches, advisers, and property professionals The four biggest warning signs that someone’s selling you their solution, not your solution And how to get advice that’s actually us...

In this episode, we discuss which rental strategy gives you the best return — Airbnb, mid-term, or long-term rentals — and reveal the numbers most investors don’t calculate. You’ll learn: The true cashflow difference between Airbnb, mid-term, and long-term strategies How much more you actually make (after all the hidden costs) And why focusing on revenue alone can lead you down the wrong path Befo...

In this episode, we discuss what property managers should really charge — and the hidden fees that could be quietly draining your rental income. You’ll learn: What a “normal” property management fee actually includes The sneaky charges many landlords get stung with And how to spot when your manager is overcharging for basic services Want to know if you’re paying too much? Here’s the breakdown of p...

In this episode, we discuss whether now is the right time to buy a property — or if you’re better off waiting until 2026. You’ll learn: Why delaying your decision could cost you $25,000+ in capital gains When waiting might actually be the smarter move And how to weigh up the odds using a new way of thinking about risk and timing If you’re trying to time the market, start by building a plan. Check...

In this episode, we are joined by Daniel for another Case Study Sunday. Daniel — a first-home buyer turned landlord — isn't sure what to do with a quirky property he picked up during a chaotic auction. You’ll hear: How he scored a property for $100k below asking (and why it almost fell apart) Whether he should pay $24,000 in council fees just to renovate And what live coaching revealed about w...

In this episode, we discuss the massive legal loophole that lets property developers market their builds as investments — without being qualified to give investment advice. You’ll learn: Why some developers are giving misleading financial projections What happens when you rely on dodgy yield figures (and the real risks) And the gaping hole in NZ’s regulation that could cost investors big If you’re...

In this episode, we discuss why you can’t always trust the numbers you see on Homes.co.nz — and what it means for your investment decisions. You’ll learn: How inaccurate online valuations really are (hint: up to 10% off) The hidden risks of owning a property with quirky or unusual features And how to avoid overestimating your wealth based on “paper value” If you’re building a portfolio and plannin...

In this episode, we discuss 8 things some landlords do that might be legal — but definitely aren’t ethical . You’ll hear: Real examples of landlords pushing the limits, from rent hikes to dodgy maintenance delays What crosses the line between following the law and doing the right thing And why being a better landlord isn’t just good ethics — it’s good business Want to make sure your property portf...

In this episode, we discuss why you might be wealthier than you think — even if it doesn’t feel like it. You’ll learn: Why high income doesn’t always make you feel rich How to know where you really sit in New Zealand’s wealth rankings And why even millionaires don’t always feel like they’ve made it Wondering where you stand? Learn more about the top income and wealth brackets in NZ and how to buil...

In this episode, we discuss how big your emergency fund really needs to be — and how to set it up so you’re covered when life throws a curveball. You’ll learn: How your emergency fund should grow as your life (and investments) grow The exact formula for property investors – what we call the Landlord Lifeline And where to keep this money so it’s ready when you need it most Worried about what would...

In this episode, we discuss how couples with an age gap can plan for retirement — and what it takes to make sure your money lasts for both of you. You’ll learn: What changes when one of you wants to retire earlier than the other How to create a financial plan that lasts until the younger partner passes away And a real-life example of how one Kiwi couple is making it work If you and your partner ar...

In this episode, we discuss how an 18-year-old can get started in property investment — and lay the foundation for building serious wealth over time. You’ll hear: What young Kiwis need to do right now to begin their journey The step-by-step game plan to grow a property portfolio from scratch And how to get ahead, even without a big income or deposit This live coaching session is all about empoweri...