The Property Academy Podcast

At one point, his mortgage repayments were equal to his entire weekly income… and he still made it work. In this Case Study Sunday, Mitchell shares how he built, sold, and reinvested his way through tough cashflow years. You’ll learn: How Mitchell turned a $500k house build into an $850k sale What it’s like when your mortgage equals 100% of your income Why is he now shifting strategy The key takea...

Most Kiwis think property should “pay for itself”… but what if it doesn’t? In this episode, Ed and Andrew break down what negative gearing actually means, why many properties cost you money each week, and whether that still makes them a good investment. You’ll learn: What negative gearing really is – and why most investors misunderstand it The 6 key reasons your rent might not cover your costs (ev...

Finding a tenant isn’t hard… finding a good tenant is. In this episode, Ed and Andrew walk through the exact 5-step process used by professional property managers to find, screen, and select reliable tenants ... without gatekeeping anything. You’ll learn: The 5-step system to attract and choose quality tenants The red flags and screening tools that most DIY landlords miss What you can and can’t le...

Want to know what actually works in house flipping in 2026 – from someone who’s been doing it since 1999? In this episode, Ed and Andrew sit down with Steve Goodey to break down the flipping strategies that still stack up, the mistakes that kill your margin, and why this is not a beginner strategy. You’ll learn: How to flip houses in 2026 The strategies that still work (and the ones that don’t) Th...

Most people think retirement spending is a straight line… but it’s not. In this episode, Ed and Andrew break down the three stages of retirement – the Go-Go, Slow-Go, and No-Go years – and why understanding this simple framework could dramatically change how much you actually need to retire. You’ll learn: The 3 stages of retirement Why retirees typically spend 15–40% less over time ... and what NZ...

Two investors. Same property. Same numbers. One pays $0 in tax… the other pays $3,400 a year. What’s the difference? In this episode, Ed and Andrew break down what property investors in New Zealand can actually claim as tax deductions, and how missing just a few key items could cost you thousands. You’ll learn: The most commonly claimed deductions How a simple document could save you up to $16,500...

Do house prices actually change when there’s an election… or is that just something investors tell themselves? In this episode, Ed breaks down what really happens in the property market around elections ... and the results might surprise you. You’ll learn: Why property sales typically drop by ~10% before an election What actually happens to house prices (hint: it’s not what most people think) What...

They bought in a “rough” street no one else wanted… got burgled… had a tenant deliberately flood their rental… and faced a cancer diagnosis — all while building a property portfolio. In this Case Study Sunday, Broc and Abi from Whangārei share how they kept going through some of the toughest setbacks, and what they’ve learned along the way. You’ll learn: How this couple built a property portfolio...

Not all property developers are created equal… and when the market gets tough, some start cutting corners. In this episode, Ed and Andrew reveal the real red flags they’ve seen from developers – from misleading numbers to legal grey areas – and how investors can protect themselves when buying off the plans. You’ll learn: The 6 biggest red flags that should make you walk away from a developer The s...

“What properties are you actually offering right now?” In this episode, Ed and Andrew pull back the curtain and give a rare behind-the-scenes look at real deals currently on the Opes stock list. You’ll learn: What properties are we investing in right now The highest-yielding property our team could stand behind The properties that sold out in under 20 hours The key takeaway? The best deals don’t s...

What do property investors really think… but never say out loud? In this crossover episode, Ed and Andrew sit down with Nefe and Stevie from the new ' She Owns This ' podcast to spill the tea on the uncomfortable truths, tough conversations, and behind-the-scenes realities of working with property investors. You’ll learn: The “confessions” property investors and advisers don’t usually shar...

If you’ve got $600,000 to invest… should you buy a property or a business? In this episode, Ed and Andrew break down the real numbers behind both options – from deposits and interest rates to returns, risk and repayment timeframes – so you can decide which path fits your goals. You’ll learn: How to decide whether to buy a property or a business Which makes you earn more money The strategy that the...

Most Kiwis think the goal is simple: buy a house, pay it off, and you’ll be financially secure. But that strategy can leave many people “Broke Rich.” You’ll learn: The #1 money mistake many Kiwis make The three traps that turn homeowners into “Broke Rich” What you can do instead to build wealth that actually supports your lifestyle Ed and Andrew break down why many Kiwis end up asset-rich but cash...

Is $100k enough to retire? What about $250k, $500k… or even $1 million? In this episode, Ed and Andrew run the numbers on what different retirement balances actually buy you – assuming a mortgage-free couple both receiving NZ Super. You’ll learn: What lifestyle $100k, $250k, $500k and $1M can realistically fund in retirement The three spending stages of retirement The single factor that changes th...

How do you build a 4-property portfolio by your late 30s… when you started with a lifestyle block and made a bunch of it up as you went? In this Case Study Sunday, Ed and Andrew sit down with Adam and Nicole from Ashburton, to unpack how they went from their first home build to three rentals, and the money mindset shift that changed how they play the game. You’ll learn: What they’d do differently...

Most people think non-bank lenders are just the “last resort.” But some of their loan products are surprisingly creative ... and can unlock deals that banks simply won’t touch. In this episode, Ed and Andrew break down some of the most interesting non-bank loan products available to Kiwi borrowers today. You’ll learn: The 5 most creative non-bank loan products and who they’re actually designed for...

What actually breaks in a rental, and what does it really cost? In this episode, Ed and Andrew walk through a rental property room by room to show what landlords actually end up fixing ... and the real NZ dollar figures behind it. You’ll learn: The most common things that break in kitchens, bathrooms, bedrooms and outside How much maintenance really costs Why some years cost nothing, and others co...

War in the Middle East might feel far away ... but it could still affect the interest rate on your mortgage. In this episode, Ed and Andrew break down what the conflict involving Iran means for global oil prices, inflation, and the future of interest rates in New Zealand. You’ll learn: How the Iranian war impacts the cost of your mortgage Could interest rates really rise How high the price of petr...

Property investors get called everything from “parasites” to “rent thieves.” But what do landlords actually contribute to New Zealand’s economy? In this episode, Ed and Andrew interview Matt Ball from the NZ Property Investors Federation about new research that quantifies the real economic impact of property investors across the country. You’ll learn: How much do property investors really contribu...

How old is too old to buy a property? In this episode, Ed and Andrew break down what banks really think about age, and why turning 60 (or even 70) doesn’t automatically mean you’re out of the game. You’ll learn: Why age isn’t the real issue What it looks like for both buying your own home and an investment property Real scenarios showing what older Kiwis would need to get approved The short answer...

House prices are down 16% from the peak ... and even further once you adjust for inflation. So… is something broken? In this episode, Ed and Andrew unpack what’s really going on in the NZ property market, and why a flat market isn’t as unusual (or as scary) as it feels. You’ll learn: Why flat property markets typically last 4 to 5 years between booms How affordability is quietly improving while pr...

She lost her first deposit. Fought a builder. Held land for 12 years. And still came back to property investing. In this Case Study Sunday episode, Sheryn joins the show from rural Greece to share the raw, honest story behind her investing journey and why she’s now taking a mini-retirement in her 40s. You’ll learn: The one major move that changed her money life How she’s started her mini-retiremen...

How many houses can you actually buy? In this episode, Ed and Andrew run three real-life scenarios through a bank-style modelling tool to show what’s genuinely possible ... and why most people either underestimate or overestimate their borrowing power. You’ll learn: How many properties could an average Kiwi couple realistically buy over 15 years 3 scenarios that show how big these Kiwis could grow...

Are home buyers secretly breaking the Reserve Bank’s rules? In this episode, Ed fact-checks Andrew and dives into the data to reveal just how many Kiwis are legally borrowing outside the standard deposit and debt-to-income limits. You’ll learn: How many first home buyers are purchasing with less than a 20% deposit The real percentage of borrowers going above the 6x and 7x debt-to-income “limits” H...

Non-banks used to feel like a last resort. Not anymore. In this episode, Ed and Andrew break down when property investors actually use non-bank lenders ... and why they’re more relevant in 2026 than they’ve been in years. You’ll learn: How investors still buy property when the bank says no Why non-bank lenders are becoming more competitive again The 5 real situations where using a non-bank can mak...