The Property Academy Podcast

In this episode, we discuss 'Split Banking'. This is a mortgage strategy where investors use multiple banks rather than just one. This strategy will help some investors grow their portfolios faster and protect their assets when they begin to sell down. We take you through both the pros and cons of this strategy so you can decide for yourself whether this is the right strategy for you.

In this episode, we are joined by Ilse Wolfe, a property investor who shares her renovation horror stories. This includes times when tenants have destroyed her properties and other times when renovation projects have become more time-consuming and expensive (through no fault of the property investor). Ultimately this will help you understand the problems that can happen when you renovate. And thro...

In this episode, we discuss the 5 factors that most impact the cashflow of your investment property. This includes the interest rate, the mortgage type, the cash deposit, the property's tax situation, and the property's yield. Together this will give you a sense of how your property's cashflow could change based on how you set it up. You can also watch the video version of this podcast...

In this episode, we discuss how much money investors who work with Opes Partners have made. Over the years, many investors have asked whether we can share these numbers. Although we often don't like talking about ourselves, we've made an exception here since so many investors have asked the question. This includes comparing how much money the investors have made compared to the rest of the...

In this episode, we discuss how to spot the difference between a progressive payment and turnkey property. This is important for investors to know since progressive payment contracts come with hidden costs. However, telling the difference can be hard since developers will sometimes advertise their properties as 'turnkey' when they're not. This episode will help you tell the difference...

In this episode, we discuss whether property investors, first-home buyers and homeowners need to use a mortgage broker. This includes discussing who will get value from using a mortgage broker … and who will get less value. We also discuss situations where Kiwis should not use a mortgage broker. Ultimately, this will help you decide whether a mortgage broker is the right fit for you and your finan...

In this episode, we do a live experiment to see if (and how) you can use ChatGPT and artificial intelligence to invest in property. We go through 4 different use cases and then decide whether the experiment was an epic win … or an epic fail. This includes: seeing whether property investors can use ChatGPT to create a target list of properties, whether it can analyse a property market, and if artif...

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'From Zero to 100k Building Passive Income Through Property' and how to start running the race with your own property portfolio.

In this episode, we rank the banks. This includes talking about 5 of the major banks in New Zealand (ANZ, BNZ, ASB, Westpac and TSB). We rank them in order of which banks are most willing to lend money based on their income criteria. For this, we are joined by two mortgage advisers – Peter Norris and April Hastilow, both from Catalyst Financial. Of course, this episode is based on the experience o...

In this epsiode, we discuss the New Build properties that Kiwis should stay away from. This includes what to look out for when you are searching for a New Build property on TradeMe. The main ones to look out for are: staying away from 1-bed properties and studios, staying away from expensive brand-name developers, watching out for leasehold properties, and also whether the property is turnkey or a...

In this episode, we discuss whether Dunedin is a good place to invest (right now). This includes a deep dive into the latest data for this student city, and a discussion about which parts of Dunedin could be good for investing. Of course, Dunedin has a lot of young students, which presents its own set of risks. So we talk through how you can handle some of those risks. Ultimately, this will help y...

In this episode, we compare progressive payments vs turnkey properties. We go through TradeMe to look at the hidden costs of purchasing a progressive payments build and how Kiwi property investors can tell the difference. This analysis shows that a 'seemingly' cheaper property can be more expensive simply because of the hidden costs not disclosed on TradeMe. Ultimately this helps you becom...

In this episode, we discuss the Reserve Bank's most recent increase in the OCR and how this will impact mortgage interest rates. We analyse the Reserve Bank's press conference and examine how house prices might change based on the bank's analysis. This provides clues about where the OCR may go and how it could impact your property investment strategy.

In this episode, we discuss how couples can get on the same page when it comes to property investment. No, that doesn't mean that one partner convinces the other that they should invest in property ... it's about deciding whether property investment is the right fit for you and your relationship. We go through why couples get into conflict when it comes to property and the 4 ways you can g...

In this episode, we discuss how one leaky homeowner won over half a million dollars from her former building inspector. This homeowner thought she was doing the right thing. She was given a building report from the real estate agent and even called the building inspector to make sure the home wasn't leaky. When she moved in, she quickly realised ... it was. She took the building inspector to c...

In this episode, you'll hear from Ilse Wolfe, a property investor and coach from Opes Accelerate. Here, you'll learn how to build a power team for your property investment journey. This includes who you need in your team when you follow a renovation strategy, how to use them and what they cost. This includes how to work with builders, plumbers, electricians, plasterers and valuers. You can...

In this episode, you'll learn the 5 things that investing in property could stop you from doing. If you borrow hundreds of thousands of dollars to purchase an investment property, the bank might not let you borrow money for other things. This could mean that investing in property stops you from upgrading or renovating your own home. Or it could stop you from borrowing for a new car, a holiday...

In this episode, you'll learn the 3 main costs of investing in property. These include 1) the purchase price, 2) the cashflow of the property and 3) the set-up costs. You'll learn how a standard new build property typically costs between $550k – $1.1 million. However, the rent of this property won't cover all of the costs to own it. That's why investors need to top up their propert...

In this episode, you'll hear a case study of an investor who owns 3 rental properties ... despite the fact that she's single. While this investor was doing well, her properties were losing about $770 a week due to interest deductibility tax changes. You'll hear how she plans to restructure her portfolio to turn things around. The strategies we discuss are: selling a property, using an...

In this episode, you'll uncover the truth about dual-income houses. You'll learn both the pros and the cons, so you can decide whether they are the right fit for you. This includes how dual-income houses have higher rental yields and lower risk of vacancy. But you'll also hear the flip side. This includes the higher purchase price, the possibility of lower capital growth, and the uniqu...

In this epsiode, you'll hear a compelling case study about how a tenant contested a heft $ 100-a-week rent increase. This case ended up at the Tenancy Tribunal. Get the full scoop on both the tenant and landlord's arguments, the backstory, and the Tribunal's ruling. You'll also learn what you need to know when increasing the rent on your investment properties. That way, you'll...

In this episode, we discuss the most recent budget released by the government. We talk about the new 39% tax rate for trusts and what this means for property investors. This includes a run-down on whether trusts still make sense. You'll also learn whether you should use a look-through company instead. The epsiode also goes through why the taxes won't harm high-income trusts. Instead, loss-...

In this episode, we discuss how the cash deposit you put into a property impacts its cashflow. You'll hear the numbers, including how much cash you'd need to put into a property to make it cashflow neutral. And how the yield of the property impacts this. This gives you a sense of whether you should put a cash deposit into a property or not.

In this episode, we are joined by Kirstie Winter from Good Title to discuss how you can cash in on converting your cross-lease property. This includes why cross-leases exist, how much it costs to convert a cross-lease property to freehold, and how much your property could increase in value after the conversion is complete. We also let you in on who typically pays for the conversion (is it you and...

In this episode, we discuss whether we are at the bottom of the market and the 6 graphs that you need to see if you're wanting to understand the New Zealand housing market. This is based on a recent episode we did with economist Tony Alexander, where Tony shared which data (and graphs) you need to look at to build your own property investment analysis. We share these graphs and show you exactl...