The Property Academy Podcast

In this episode, we are joined by Ilse Wolfe to discuss a case study of an investor who purchased a property for less than $300k. We talk through where the property was, the condition it was in, and how long it sat on the market. So if you're looking for a screaming good deal as a renovations-focussed property investor, this is the episode to listen to. Ilse also walks us through what renovati...

In this episode, we discuss the bright line test and 2 investors who would accidentally have to pay about $66k in tax. This includes some of the more technical aspects of the bright line, including how the IRD treats subdivisions, flipping your family home and selling a holiday home. Ultimately, this helps you better understand how much tax you might have to pay when buying and selling properties.

In this episode, we discuss some of the new build lending secrets that property investors have to know. This includes the key risks that you need to avoid (or manage) as a property investor … and what the banks are offering you. We discuss why you might need to pay a valuer for a completion certificate ... and why you must know about pre-allocated titles. While seemingly technical and boring, thes...

In this episode, we discuss whether billionaires really do pay less tax than the rest of us. This comes from a recent report from the IRD that suggested that the average high-net-worth individual pays less than 9% in tax. Whereas a person earning $80,000 would pay 22% in income tax. We discuss how the IRD came to this conclusion and whether their conclusions are sound. Ultimately, this helps you b...

In this episode, we are again joined by Tony Alexander, an independent economist, to discuss how to create your own DIY property market analysis. Of course, if you want to get to grips with the property market, you can read commentary from the likes of Tony. But, what if you want to explore the data yourself? That's where you can use these tips (and free data) to dig into the details and under...

In this episode, we are joined by independent economist Tony Alexander to discuss what he thinks will happen to interest rates over the next year (and beyond). This includes a prediction that longer-term rates have already peaked and are currently on their way down. He also suggests that the 1-year rate is at (or very near) its peak and will likely be around 6.25% by the same time next year before...

In this episode, we are joined by independent economist Tony Alexander to discuss what he thinks will happen to house prices over the next few years. This includes his prediction that house prices will bottom out in Winter (somewhere between June and August). He talks us through how quickly the house price recovery could happen and the factors that could impact house prices. Ultimately this lets y...

In this episode, we discuss what property investors need to know about borrowing against a property they own with other people. This specifically includes a discussion about how to borrow against a property that has been inherited in conjunction with other members of your family. We go through the pros, cons and technicalities of borrowing against a shared property and what permission you need to...

In this episode, we discuss whether property investors should consider buying a rental property in a 'dodgy' area. This includes a discussion of what a 'dodgy' area is and both the pros and cons of investing in one of these areas. We also mention which suburbs might have attractive opportunities and which ones we would steer away from. Ultimately this lets you make an informed deci...

In this episode, we discuss the new Medium Density Residential Standards (MDRS). These are a set of new rules that make it easier for property investors to develop their land. The new rules allow investors and homeowners to build up to 3 units on any piece of land (as long as you meet the standards). But are the rules as simple as they seem? And what are the opportunities and fishhooks to look out...

In this episode, we discuss when a car loan may actually be a good idea. On the show, we often rail against car loans, calling them bubblegum debt and suggesting that they're not a good idea. Here, we argue the opposite and share some situations where car loans could actually help investors grow a portfolio. Ultimately, this helps you get a sense of whether a car loan may actually help you bec...

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'The 8 new rules of property investment' and what they mean for property investors and first home buyers. We also unveil the latest research tools on our website: the Data Hub.

In this episode, we rank the top 8 new rules that have been introduced to the property market over the last 5 years. These include debt-to-income ratios , loan-to-value-ratio restrictions , interest deductibility and 5 more changes. We let you know which ones are the most important and the impact they have had on the property market . You'll also hear how you can adapt your property investment...

In this episode, we discuss how Ed rented his property in 7 days. This includes which property he bought, what it rented for, and how it rented so quickly. You can then use the same tactics to get your properties rented as quickly as possible. This includes: renting your property 1-week before settlement, using clear photos, presenting the property as it is (i.e. not with furniture if there's...

In this episode, we discuss the new LVR rules that have just been announced by the Reserve Bank. These changes make it easier for some owner-occupiers to borrow with a lower deposit. But, the big change is that investors purchasing existing properties will soon be allowed to purchase with a 35% deposit rather than a 40% deposit. While that change sounds small, the outcome is impactful. We go throu...

In this episode, we are joined by property investor Ilse Wolfe. Here, she shares the situations where you might need to fire your tradie. She walks us through a case study of where she's had to fire a tradie and where she's decided to bite the bullet and keep them on. Ultimately this helps you become a more successful property investor by showing when and how to fire a tradie so your renov...

In this episode, we discuss how you can make money by using a subdivision strategy. This includes how much your property might go up in value by when you subdivide and how much subdivision can cost. Ultimately, this allows property investors to understand whether subdivision might be the right strategy for them. Hamish and Reuben Frizzel join us from Survus Landsurveyors for this. Just a note, we...

In this episode, we discuss the 4 most common problems with real estate agents and how to fix them. According to polling data from Roy Morgan, only 5% of Australians consider real estate agents to have "very high" or "high" ethics and honesty. This makes real estate agents one of the least trusted professions. While there isn't similar data available in New Zealand, it'...

In this episode, we discuss what property investors and first home buyers should do if they buy a new build property … and then the developer shuts their company down (liquidates). This is because often after a developer is finished building a project, they will put the company into liquidation. However, this leaves investors thinking, "what happens if there are defects with my new build inve...

In this episode, we discuss what our fathers (and mothers) taught us about money and property and what they got wrong. Our parents shape many of our thoughts, attitudes and beliefs about money. Some of the lessons they teach us will be spot on and help us for the rest of our lives. Some of the things we learn can hold us back. Through this, you should consider what your own parents taught you abou...

In this episode, we discuss the 5 largest tenancy tribunal cases in the last 5 years. Collectively these 5 landlords were fined $284,000. You'll learn why these investors had to pay their tenants so much money and the mistakes you can avoid so you don't have to pay such hefty fines. Ultimately, this will help you become a better property investor by showing you what not to do as a property...

In this episode, we discuss whether the war on inflation is over. Economists were shocked when Statistics NZ recently released data showing that the rate of inflation has fallen to 6.7%, down from 7.2%. We go through the numbers to show the impact on interest rates and what it all means for property investors, homeowners and mortgage borrowers. We also talk about why the number might not be as goo...

In this episode, we discuss whether the mortgage strategy 'channelling' actually can shave 20 years off your mortgage. Recently we've seen more and more mortgage brokers talking about how to pay off your mortgage more quickly … and promoting jaw-dropping results. Paying off your mortgage more quickly is a good idea ... but can it really be done without making extra repayments? That&#39...

In this episode, we discuss the 4 rookie mistakes investors make when negotiating with a real estate agent. This will help you when you are trying to beat the real estate agent on price and get the best deal on an investment property. Ultimately, this will put you in a position of power, so you can be a successful property investor (or first home buyer). For this discussion, we are joined by Micky...

In this episode, we discuss the Sell 1 to Buy 2 Strategy. This is where, in some cases, property investors can sell a property from their portfolio … and then purchase 2. This is like taking a step back to take 2 steps forward. We go through which property investors can use this strategy and why and how this strategy works. Ultimately, this will help you make an informed decision about whether you...