The Property Academy Podcast

In this episode, we discuss the psychological concept of loss avoidance and how it relates to property investors in New Zealand.  We go over how many Kiwis want to build a property investment portfolio. But they're often scared to do so because they don't want to lose money.  So this episode takes you through how you can overcome loss avoidance and feel confident when investing in proper...

In this episode, we discuss one of the most fundamental concepts in property investment – leverage.  This is the idea that you can use other people's money (OPM) to invest and build an asset base (and only a little of your own).  This includes a look at the three different types of leverage most Kiwi property investors use –  1) borrowing money from the bank against the propert...

In this episode, we discuss how much it costs to purchase a standard investment property in New Zealand across different cities and strategies.  This means that property investors and first-home buyers can set a budget for how much they need to spend to purchase a property.  We also revisit the numbers we shared the last time we recorded this type of episode – back in April 2022. Th...

In this episode, we are joined by mortgage adviser – Peter Norris from Catalyst Financial to discuss the 7 strategies property investors need to know to master their mortgage.  This includes the Mortgage Buster, the Debt Destroyer, the Earn Baby Earn, and the newest strategy, "Bugger the Banks" – i.e. using a non-bank lender.  This allows property investors, first-home buyers a...

In this episode, we discuss what first-home buyers need to do when purchasing a house to live in throughout 2023.  This includes a look at how much deposit first home buyers need, how to calculate how much money they can afford to borrow, and the type of property to buy.  This is based on the information in our recently released book – Wealth Plan, which shows investors how to use p...

In this episode, we are joined by April Hastilow, a mortgage adviser at Catalyst Financial, to discuss an example of the sort of advice property investors should not follow.  This comes from a story when April was working with a property investor who put a new build under contract. The investor then took advice from their accountant to start their own business.  In the end, this meant th...

In this episode, we are joined by Kathy Faulkner to discuss a case study of a property investor who paid $12,000 to a financial adviser to get financial advice and access to the financial adviser's information.  But, in the end, these investors didn't see value in the information that was provided. We walk through what this investor did to get their money back and what their next steps in pro...

In this episode, we review Bluestone Home Loans, a non-bank lender. For this, we are joined by mortgage adviser Peter Norris from Catalyst Financial.  We talk through who Bluestone is the right and wrong fit for and how their products compare with the main banks and other non-bank lenders like Resimac.  Ultimately, this lets property investors and first-home buyers understand when Bluest...

In this episode, we discuss whether Kiwi property investors really do need a property manager … because the answer may be "no".  We discuss the reasons to use a property manager and also the reasons not to use a property manager.  Ultimately, this allows property investors to make up their own minds and decide whether using a property manager is the right fit for them. We wrap up the epi...

In this episode, we discuss why Kiwi investors should stop saving for retirement and what they should start doing instead.  This includes a look at the amount of money Kiwi investors would need to put away each week if they were to save $1 million.  We then compare this with the amount an investor would need to invest if choosing a different (higher risk) asset class. Ultimately, this al...

In this episode, we are joined by Micky Limmer from Opes Property to talk about how to tell if the developer you are working with is any good (or not).  This includes the checks you can do at home to test whether a developer will likely build you a good property on time and budget.  Andrew also walks through a couple of case studies of where a developer has seemed ok initially, but then...

In this epsiode, we discuss the exact point where two property investors should combine their financial situations. We go through why property investors need a Relationship Property Agreement (RPA) when they start getting serious in their new relationship.  And on top of this, we talk about how investors can set up their financial situation when they start investing with a partner. Ultimately...

In this episode, we are joined by mortgage adviser April Hastilow from Catalyst Financial to discuss a simple trick that homeowners can use to beat falling house prices.  Specifically, this strategy is around managing your debt so that you can still borrow against your property ... even if its value has fallen.  This includes using mortgage products like a revolving credit to pay down de...

In this episode, we are joined by property investors, Ilse Wolfe from Opes Accelerate to discuss a case study of an investor who wasn't able to get the money from the bank to purchase an existing property to renovate.  We discuss how they used a non-bank lender product through Catalyst Financial to borrow the money, even though they didn't initially have the deposit to do it. 

In this episode, we discuss how kiwi property investors can build an investment portfolio while still renting personally. We work through the numbers to show how rentvesting impacts your ability to borrow in the future, and both the pros and the cons of this strategy.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what you...

In this episode, we discuss how property investors (and all investors) need to take some amount of risk, and that not taking risk has a cost associated with it.  We work through the numbers to show how much not taking risk costs you, and how it compares across different asset classes. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to ca...

In this epsiode, we discuss when the bottom of the property market will hit, how much more property prices will drop, and how quickly prices will recover.  This is based on the predictions and forecasts of the Reserve Bank, The Treasury, ANZ, and Westpac ... along with predictions from KiwiBank, Tony Alexander and Opes Partners.  Putting all these forecasts and predictions together can g...

In this episode, we discuss CoreLogic's Best of the Best report, which details the top-performing suburbs across New Zealand in 2022.  This includes the suburbs that increased in value the fastest, the suburbs that decreased in value the fastest, and the most (and least) expensive suburbs across the country.  Ultimately, this helps property investors and first-home buyers understand how...

In this episode, we discuss what property investors should do if they are working with two financial advisers who are saying different things.  This includes a 4-step process that investors can walk through to come to a resolution: being clear on your goals; understanding the strategy each adviser recommends; getting your advisers in the same room; and understanding each of their financial mo...

In this episode, we are joined by Micky Limmer from Opes Property to talk about how many properties investors need to look at before they can get a good deal.  This includes numbers for investors looking at new builds and existing properties too. We also discuss how the number of properties you need to look at will change based on how well you know your buying criteria ... and examples of how...

In this episode, we discuss a case study of an investor who had worked with Propellor Property Investments to purchase a property. The investor then became worried that her property would be a "complete disaster & money pit".  Andrew walks through how he helped the investor figure out whether she should hold or sell the property. He also talks through the return on investment and cashflow...

In this episode, we discuss the 3-step process property investors should use to set achievable goals. This includes deciding what you want, how much of it you want and when you want it by. We go through case studies and examples, so you can see how this framework can be used in practice.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software t...

In this episode, we discuss how property investors and first-home buyers can set actionable goals and then achieve them in 2023.  This includes discussing how to stay motivated, so that you keep moving towards your goals. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss the top 10 property investment opportunities available in 2023. This includes opportunities for property investors, developers, first-home buyers, and anyone looking to stay engaged with the New Zealand property market throughout 2023.  These opportunities include: developers picking up deals from other investors cheaply, renovations-focussed investors picking up p...

In this episode, we discuss how property investors can renovate properties without doing a lot of the grunt work. That means not having to pick up a hammer … or having to put on old clothes before lathering up a paintbrush.  For this, we are joined by Ilse Wolfe from Opes Accelerate, who also announces her new service –  Opes 360 , where Ilse's team will project manage a renovation for y...