The Property Academy Podcast

In this episode, we are joined by Ilse Wolfe from Opes Accelerate to discuss how Kiwi property investors can learn how to renovate properties … the right way.  This includes what property investors need to learn and the content to read, watch and listen to so they can learn these skills. Ilse also shares how she learned to renovate properties over 13 years of renovation experience.  We a...

In this episode, we share the properties that Andrew Nicol bought in 2022. This includes the properties he signed a contract to buy … and the ones he settled.  Andrew talks us through the types of properties he is buying right now and the reasons why he's pursuing this specific strategy.  He then takes us through the numbers, including the purchase price, cash flow and expected return on...

In this episode, we are joined by property investor, Toby Pascoe to discuss a case study of a single mum from the Hawke's Bay who is investing in property to secure her retirement.  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.

This special Christmas episode discusses what Ed and Andrew want Santa to bring them over the next year in the property market. We also review what the pair asked for last year … and whether they got it.  Ultimately, this is a lighthearted look at what could be in store for property investors, home buyers and first-home buyers in 2023.   We wrap up the episode by mentioning that you can...

In this episode, we recap the government's new interest deductibility rules that have some property investors paying tax as if they don't have a mortgage … even though they still have a mortgage to pay.  This includes looking at how investors can adapt their properties to make them 'New Builds' under the new tax rules, which come with significant tax benefits.  We wrap up the episode by...

In this episode, we discuss whether it is harder to find a tenant at the moment … and whether there is an oversupply of rental properties in New Zealand.  This comes from a listener of the show who is struggling to find a tenant for their rental property right now in the Auckland property market.  We also mention how the rental market is cyclical and that throughout the year, there are p...

In this episode, we discuss whether mortgage brokers are biased … and if they're any good. This comes from a recent Stuff article, which suggested that mortgage brokers unfairly increase interest rates for all borrowers across the country.  We also reveal how much mortgage brokers earn per deal and whether they are incentivised to recommend borrowers go with lenders who pay the highest commis...

In this episode, we discuss how property investors can recession-proof their portfolios. This includes a look at what the potential recession in 2023 could look like, how deep it will be, and how many people could be impacted.  We also introduce 6 strategies that property investors can use to protect themselves, including revolving credits, increasing their pay, securing their jobs, raising r...

In this episode, we discuss John Key's property market predictions. These come from a recent webinar held with Sir John Key with property developer Stonewood Key.  This includes Sir John's views on interest rates, unemployment, whether property prices will continue to increase over the long term, and how the properties that New Zealanders buy will change.  This allows property investors...

In this episode, we are joined by Hollie McLachlan to discuss how she flipped a house while earning just $48k a year as her main salary.  Hollie shows us how property investors can get their start doing flips while still holding down a full-time job and doing it while servicing is tight. We also mention that you can use the public version of our My Wealth Plan software to see what your retire...

In this episode, we discuss whether property investors and home owners should break their fixed mortgage interest rate before rates go up further.  We break down the numbers and discuss how to know whether you'll save money or end up spending even more money if you break your mortgage.  We also mention that you can use the public version of our My Wealth Plan software to calculate the si...

In this episode, we discuss how to determine the fair value of a house when you are getting a divorce. We run through the numbers and talk about the different ways that a house can be valued.  This includes a discussion on whether property investors and first home buyers should use a registered valuer or a real estate agent to determine the value.  We also discuss that you can use the pu...

In this episode, we discuss whether banks really are making enormous profits from higher interest rates, and whether property investors and first home buyers are paying too much in interest costs.  This includes a look at how banks set interest rates and the net interest margin that each bank makes when lending out money for residential property. We also take a look at the composition of each...

In this episode, we discuss where interest rates are going to go over the long term. This allows first home buyers and property investors to project what their cashflows may do over the long run. We specifically go through data points like the long term neutral interest rate and what interest rates have done (on average) over the last 10 years.

In this episode, we discuss whether it is a good idea for property investors to sell their existing properties to buy new builds. This comes after the government introduced new taxes that mean that investors holding existing properties will be significantly more to the IRD. We talk through when this is a good or bad idea, and also the three checks you need to go through before selling. 

In this episode, we discuss how far through the housing market downturn the New Zealand property market currently is. This allows property investors and first home buyers the chance to decide whether it is the right time for them to engage with the housing market or not. We also mention that you can get the latest property market insights by signing up to our weekly newsletter – Private Property n...

In this episode, we discuss a case study of a real Kiwi couple who are investing in property so that they can retire early and spend $200k a year using the Nest Egg strategy.  We go through how Mike and Sarah ended up in the position where this is an option for them, how many properties they own, and when they started.  Ultimately this allows you to understand what you'd need to do to ge...

In this episode, we discuss the factors that would make the property market turn around, including a reversal in the interest deductibility rules; a change in the LVR restrictions and a belief that interest rates are coming down. We go through how this would change property investors' cashflows and their ability to borrow.

In this episode, we discuss how property investors can talk to their parents (and other family members) about their retirement.  We talk about when to bring it up and the types of questions to ask your family when trying to talk to them about their financial future. We also mention that you might like to use our My Wealth Plan software to calculate their exact Wealth Gap.

In this episode, we discuss how bad economics news and scary news headlines are exactly what New Zealand needs (right now).  Inflation is too high and the Reserve Bank needs to get all Kiwis to spend less so that prices stop rising so quickly. So it is a good thing if bad news headlines scare us into spending less.  That will decrease demand in the economy, bringing it back inline with s...

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at the "Property Investment Cashflows in 2023 – What To Expect", what to look for in a property, and how you should calculate cashflows to guide your property investment choices and create wealth in 2023 and for your financial future.

In this episode, we discuss which data property investors, first home buyers and other home owners should look at if they are trying to time their purchase of an investment property perfectly.  This includes a discussion of the data produced by both Tony Alexander, the Real Estate Institute of New Zealand (REINZ) and Core Logic. 

In this episode, we discuss how property investors (and those interested in property) should ho about debating with people who take a more pessimistic view.  This comes after one Facebook user left a lengthy comment on one of our Facebook ads detailing why people shouldn't invest in property. We use this as a case study of how you can use facts and data to respond to emotional comments from p...

In this episode, we discuss a recent news story that claimed that investing in KiwiSaver would provide better returns than first-home buyers purchasing a property.  We go through the modelling to see whether that news article was correct, and you can double-check our modelling and our assumptions using this modelling spreadsheet here.

In this episode, we discuss the case study of Aaron and Sue who want to retire in 8 years and spend $150k a year.  We look at their current portfolio, their situation and consider what options they have to achieve their goals ... and if not, what they should do instead.