The Property Academy Podcast

In this episode, we are joined by Matthew Gilligan from Gilligan Rowe and Associates to discuss the legacy of Adrian Orr. This includes whether Adrian Orr is the worst Reserve Bank Governor in history, and whether he (and the monetary policy committee) did the right things during the pandemic. Matthew argues that the Reserve Bank Governor messed up. Whereas, Ed argues that the legacy isn't so...

In this episode, we discuss tiny homes and whether they stack up as a good investment. This includes how much tiny homes cost, what the interest rates are and how you get a mortgage. We also discuss some of the things you'll need to think about if you decide to rent out a tiny home (or buy one for yourself). And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Ed...

In this episode, we are joined by Matthew Gilligan from Gilligan Rowe and Associates . Matthew discusses how to protect yourself from property investment disaster with trusts, companies and the right types of structures. This includes how to set up your wills and trusts so that your children, dependents and assets are secure.

In this episode, we discuss how to buy the house your tenants want. This includes giving you our new Opes Tenant Tool. You can use this to figure out what tenants are looking for in your area. That way you can buy the house your tenants are willing to rent. This should lower your vacancy and improve your cashflow.

in this episode, we are joined by Kate and Sean to talk about their property investment journey. We talk about what it's all for, and what they want to get out of property investment. They also share how even though they bought close to the top of the market, they don't mind so much. Now that their house has fallen in value, they wouldn't be able to buy today anyway. Willing to share y...

In this episode, we discuss whether you should turn your investment property into an Airbnb. We run the numbers on one of Ed's properties to see how the cashflow compares to a long term rental. We also talk through the steps he'd have to take if he wanted to turn it into an Airbnb. And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠ happening on...

In this episode, we discuss a case study of a property investor who is already retired. He owns a $1 million property without a mortgage, but he only earns $12k in the hand a year. We talk through what he could do to increase his income and the different options available to him. Ultimately, we share several ways he could more than 3x his retirement income. And we also mention our upcoming webinar...

In this episode, we discuss why Heartland bank has the lowest interest rate ... and whether it's worth it. We talk through the catches – like how you can only get it for your own home. And how it really isn't the right fit for property investors. Ultimately, you can use this information to figure out whether it's the right rate for you. And we also mention our upcoming webinar ⁠⁠⁠⁠Prop...

In this episode, we discuss how much less tax property investors will pay once the interest deductibility rules change. This includes looking at different situations to see who will pay a lot less tax, who will pay a bit less tax, and who nothing will change for. And we also mention our upcoming webinar ⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠ happening on Tuesday 16th April at 7pm.

In this episode, we talk about mortgage break fees and how much it costs to break your mortgage. When interest rates start to fall, many Kiwis will ask "is it better to break my loan and take a cheaper rate? We dig through the numbers so you can figure out if it's worth breaking your loan and trying to negotiate a better deal. And we also mention our upcoming webinar ⁠⁠Property Investment...

In this episode, we discuss where house prices are bouncing back fastest. We share how some regions are bouncing back quickly (and have even surpassed their Covid peaks). Places like Dunedin are up 9% compared to the bottom of the market, and others like Auckland are almost 6% up. But, some parts of the country haven't crept up much at all. we share where prices are bouncing back fast (and whi...

In this episode, we are joined by Heidi and Nath who share how they have just become first time property investors. This includes what went well (and what didn't go to plan). We dig into why they wanted to become property investors in the first place, what it's all for and what they want to get out of property.

In this episode, we discuss National's new interest deductibility rules. This is your definitive guide to the rules, what they are and what they mean. There have been lots of proposals for what the rules should be. So some property investors are confused about what the rules actually are. Here, Ed and Andrew lay down the law and share what the final rules are.

In this episode, we discuss whether property investors just invest for capital growth. We also discuss whether that's unfair. This is after Ed appeared on Newstalk ZB to talk about the latest changes to the tax rules. And we also mention our upcoming webinar ⁠Property Investment Webinar: NZ Tax Edition⁠ happening on Tuesday 16th April at 7pm.

In this episode, we discuss the top 6 myths about property investors. This includes myths like interest deductibility – is it just an unfair tax cut for property investors who don't need it. We also dig into the idea of a capital gains tax and whether property investment is different from other businesses. And we also mention our upcoming webinar Property Investment Webinar: NZ Tax Edition hap...

In this episode, we discuss how the OCR impacts mortgage interest rates. We talk about what the OCR is, how the banks use it, how it impacts swap rates and how it eventually impacts your mortgage interest rate. As you'll learn, it takes time for the OCR to impact your mortgage interest rate. And your mortgage interest rates can start to go up or down even before the OCR moves.

In this episode, we discuss inflation, what it is, how it works. And what you need to know as a property investor. This includes how to calculate the returns you actually get when you invest in property. That means how you factor in the 'time value of money', and how to make sure that property investment builds you a better life.

In this episode, we dig through house price data to see whether our standard house price forecasts match up to reality. Can you reliably say that house prices go up 5% or 6% a year? And how easy is it to fudge the numbers and make it sound like property always goes up in value? We dig through the numbers to see whether these assumptions are correct.

In this episode, we are joined by Sera and Quentin. This couple share their inspiring story. From humble beginnings, these two started out by working 5 jobs between them. Now they've paid off the mortgage and are investing in property. They're helping their families learn about property and are breaking the poverty cycle.

In this episode, we discuss whether holiday homes are a good investment. We look at Airbnb data to get a sense of the returns you can make investing in holiday homes. Then we talk about where you can invest and how much it might cost to invest in a holiday home.

In this episode, we discuss the top problems with property investment companies. We talk about what these companies get wrong, and what you need to look out for as someone thinking about using one of these businesses. This includes companies like Opes Partners, Propellor Property Investments, Momentum Realty, enable.me, Positive Real Estate and others. It also applies to any company who recommends...

In this episode, we discuss the recently announced interest deductibility tax rules. We're going back to the old rules. Property investors will be treated like every other business and will pay less tax. Interest will be deductible again, some property investor's cashflows will change. But not all property investors will feel the full extend of the change. We dig through the data on who wi...

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'NZ Property Market Update – 3 Steps To Make Money in Property in 2024'.

In this episode, we discuss whether this investor should buy their dream home ... or renovate and invest. This comes from a listener of the show who is tempted to upgrade their own home. But they're also considering growing their portfolio. We run through the numbers so you can get a sense about what may be the right fit for you.

In this episode, we discuss where properties are selling above (and below) their CV. This includes the areas where properties are selling 40-60% above the CV. On the other hand, there are some areas where properties are selling 20% below CV. This data is from February 2024. We also mention our new Opes Partners monthly Data Newsletter. Click here to subscribe .