The Property Academy Podcast

In this episode, we discuss where the best places to invest in New Zealand are. This includes a discussion of how over or undervalued each area is, the average house price, and the yields. Ultimately you can use this information to get a sense of where to (and where not to) invest.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How to keep buying property when DTI’s come in [2024]'.

In this episode, we discuss what property investors and homeowners need to know about buying property that is on contaminated land. We talk about how a piece of land gets contaminated and what you can do to fix it. This includes what to look out for and how to know if it is a real issue (or not).

In this episode, we discuss co-ownership schemes and whether they are a scam ... or a sound way to get into property. We review different shared equity schemes, including those by Kainga Ora, the Housing Foundation, Ngai Tahu, YouOwn, Own by Williams and Aera. This includes the pros and cons of each scheme, how they make their money and whether it could be the right fit for you.

In this episode, we discuss how much discount you can negotiate off your interest rate when you get a mortgage. We look at the latest rates our team at Opes Mortgages have got from the banks, along with what the lenders are actually advertising. This gives you a sense of what rates you can actually get from a bank when you next apply for a mortgage.

In this episode, we discuss a case study of a first home buyer who is getting killed by high interest rates. He asks whether he should sell his home and rent instead. We dig through the numbers to look at whether it makes sense to sell his home, rent, and try to buy it back later when interest rates are lower.

In this episode, we discuss our latest interest rate predictions for 2024. This includes how fast interest rates could come down, and the data behind the predictions. We look at interest rate forecasts out of the banks and talk about our long term interest rate forecasts.

In this episode, we discuss the best way to own an investment property – trusts vs companies vs own name. We go through a couple of case studies to show when each structure would work best. Ultimately, you need to talk to an accountant to figure out the right way to own properties in your situation. But, using this podcast, you can get a sense of what could be right for you.

In this episode, we discuss how high net migration impacts the New Zealand property market. This includes where the new migrants choose to live, and how many properties they tend to buy. We also mention our upcoming webinar ⁠⁠New mortgage rules: How to keep buying property when DTI’s come in [2024]⁠⁠ on Tuesday February 13th at 7pm. Click the link to register

In this episode, we go through 5 facts that property investors need to hear in today's market. This includes how to price your properties, what to build, where to build it, and how to make all of these decisions. Ultimately, this shows that property development is more than just putting up a few houses. And we also mention our upcoming Developer Event in Auckland on March 21st, so click the li...

In this episode, we answer some of the main questions investors and first home buyers have about debt to income ratios (DTIs). This includes what DTIs are, how they'll impact the property market and who will be most impacted. We also mention our upcoming webinar ⁠New mortgage rules: How to keep buying property when DTI’s come in [2024]⁠ on Tuesday February 13th at 7pm. Click the link to regist...

In this episode, we discuss what will happen to house prices when the Reserve Bank brings in Debt to Income Ratios. This includes how DTIs have impacted house prices when other countries have brought them in. We also talk about how much debt the country has and how fast incomes go up. This acts as a proxy for how much debt there already is, and how fast prices can go up.

In this episode, we are joined by Katherine and Stuart from Hamilton to discuss how they started investing in property. They share the numbers on a few of their deals and explain the stories that went along with them. This includes how Stuart started his own spa and transport business, and how Katherine used property to buy a supermarket.

In this episode, we discuss what to do when you make an offer on a house and the real estate agent tells you it's a multi-offer. This includes what you have to do, how to improve your offer, and how to negotiate with the agent. Ultimately, this gives you the heads up about what property investors, home buyers and first-home buyers need to know in a multi-offer situation.

In this episode, we discuss who wins and loses from the Reserve Bank's new mortgage rules. The winners include first-home buyers, developers, non-bank lenders and people buying New Builds. The losers, on the other hand, are banks, mortgage brokers, investors, renovators and (even) doctors.

In this episode, we discuss how the new Debt to Income ratio Restrictions (DTIs) will impact different Kiwis. We go through different scenarios to look at what it means for investors, home owners, first home buyers, business owners and a whole heap more. We also mention our upcoming webinar New mortgage rules: How to keep buying property when DTI’s come in [2024] on Tuesday February 13th at 7pm. C...

In this episode, we discuss the 7 lies you'll tell yourself that could stop you from investing in property. These are the key things we hear over and over again from investors ... like: "I just saw another great property down the road" “I want to sleep on it” … and “I need more time” We talk about when these statements make sense, and when they're just excuses.

In this episode, we react and respond to mean comments people have left on our Facebook and Instagram accounts. This includes comments like "Fix your soul" and accusations of being "snake oil salesmen". While this is a fun episode, we also address some of the big questions about the different ways to invest in property.

In this episode, we discuss houses vs townhouses vs apartments and which ones take the longest to sell. We look at sales data from Auckland, Wellington and Christchurch to figure out whether some types of properties stay on the market longer than others. We also look at townhouses in larger developments to see if they take longer to sell as well. Ultimately, you can use this information to become...

In this episode, we discuss a case study of a listener of the show (Joe) who has just moved overseas. We talk about whether he should sell his investment property and buy something else. We also go through the numbers to see whether he could buy a better investment today, and when should consider selling.

In this episode, we discuss which properties to buy to get the highest returns. We look at the different ways to measure property investment returns and which properties come out on top for each measurement. Ultimately this shows that you buy different properties to get a different type of return.

In this episode, we discuss the latest house price data from QV, CoreLogic, and the Real Estate Institute. This includes examining where house prices are going up the fastest and the region where prices are up 7.1% in just seven months. We also share where the best places to invest are (right now), and when interest rates could start coming down.

In this episode, we dive into the Reserve Bank's newest mortgage rules. This includes details about both the Debt to Income Ratios (DTI's) and the updated Loan to Value Ratio (LVR) restrictions. Together these will impact how much money you can get to grow your property portfolio. We delve into the new rules and let you know what you need to consider.

In this episode, we discuss how much money you could potentially make through property in 2024. This includes how much Ed and Andrew might make on their own portfolios. This includes cashflow and house price growth over the next 12 months.

In this episode, we discuss what it would look like if NZ Superannuation was means tested. We look at the pension system in Australia and compare what NZ does with other major countries. This gives you a sense of how much you should rely on the NZ superannuation system in your retirement plan.