The Property Academy Podcast

In this episode, we continue with the fourth episode in our five-part series where we detail how the government plans to change tax regulations for property investors. Here we discuss how to use different entities and mortgage structures to pay less tax when the new regime kicks in. We also mention our upcoming property investment webinar this is where we will fully detail all the changes that the...

In this episode, we continue with the third episode in our five-part series where we detail how the government plans to change tax regulations for property investors.  Here we discuss the 12 opportunities that the new tax opportunities present, including investing in boarding houses, splitting 1 dwelling into 2 and investing overseas. We also mention our upcoming property investment webinar t...

In this episode, we continue with the second episode in our five-part series where we detail how the government plans to change tax regulations for property investors. This is based off a 143-page discussion document that was released only days ago. Here we discuss whether your New Build is still a New Build under the new rules. We also detail the Continued Investment Rule and whether it's likely...

In this episode, we begin a five-part series where we detail how the government plans to change tax regulations for property investors. This is based off a 143-page discussion document that was released only days ago. Here we discuss the definition of what a new build is, how long new builds will be exempt for, as well as some of the odd properties that will be considered new.  We also mentio...

In this episode, we discuss our advice for younger property investors who are looking to get their start on the property ladder. This includes a discussion about using the resources that are available to you – whether that is money or skills – as well as the strategies and areas that tend to work better for starting out property investors. We also mention that property investor, Ilse Wolfe is curr...

In this episode, we discuss whether property investors have left it too late when considering making an investment in Christchurch. This includes a look at the prices that developers are now selling properties for and how that compares to 11 months ago. Andrew also takes us through a comparison of a property in the Garden City and compares it with a property in Timaru and one in Auckland. Download...

In this episode, we discuss the 6 steps that regular Kiwi property investors can take to be a compassionate landlord. This includes recognising that while it may be your house, it is the tenants home, and directing your tenants to resources that can help when times are tough.  This comes off the back of comments made by the Minister of Housing and Urban Development, Dr Megan Woods, over the p...

In this episode, we detail how the economics of the battle between New Builds and existing properties has continued to change over the last 6 months.  LVR restrictions have been introduced, interest deductibility changes have come in, ANZ has announced new servicing criteria, and ASB has introduced lower interest rates for new builds. We also detail the impact of Healthy Homes and why tenancy...

In this episode, we wrap-up the most recent property investment webinar, where we went through how to run the numbers on your investment property.  The key three themes we cover are ... 1) what ROI to target when running the numbers, 2) How to deal with opportunity cost when assessing a rental property, and 3) the exact interest rates you should account for when analysing a property.  Yo...

This is a special bonus episode, where we release the full audio from our most recent webinar, How to Run the Numbers on an Investment Property.  This was recorded on 1st June as part of our webinar series. Watch the full webinar here . Or download the spreadsheet mentioned here. 

In this episode, we answer a live listener question on the podcast. Here, we discuss whether you're able to borrow from the bank to subdivide your property.  The answer is yes, most of the time ... but not all of the time. Some investors get caught out when managing their LVR position. Because once you subdivide your property, the original property isn't worth as much. So even if you have mor...

In this episode, we are joined by Ella Dromgool from Catalyst Financial. Here, we detail the conversations that Ella is having with investors about the potential for interest rate rises over the next few years. Ella shares that some investors are beginning to panic at the hint that interest rates may rise shortly. However, any potential interest rate rise is still likely 12 months away ... so inve...

In this episode, we are joined by special guest, Ella Dromgool from Catalyst Financial. Here we discuss when it makes sense not to split bank straight away.  We go through the numbers and show that for investors with significant amounts of equity, it may not make sense to cheat on your bank straight away ... that is if it's not going to stop you from growing a portfolio.  Got a topic you...

In this episode, we discuss a common myth in property investment circles ... the existence of 'Renter' and 'Home Owner' areas. The myth goes that areas that have a higher percentage of home ownership deliver better capital growth, while renter areas have lower capital growth but higher yields.  Is it true? We dig into the data and also talk through a few more robust metrics you can look at wh...

In this episode, we discuss Core Logic's latest Pain and Gain report. This report details how many property investors made and lost money when selling their real estate.  We go through the numbers, and show that apartment owners lose money at a higher rate than owners of other property types. We also show that people who sell at a loss also tend to hold their properties for a shorter timefram...

In this episode, we discuss the latest monetary policy statement released by the Reserve Bank. We cover the potential rise in interest rates that property investors might expect, as well as both the Reserve Bank's and the Treasury's forecasts of house price growth.  The Reserve Bank currently forecasts that they may begin to lift the OCR from mid-2022, rising to 1.75% in 2024. Last time the O...

In this episode, we discuss whether first home buyers are really being squeezed out of the property market in NZ. This is based off new data released by Core Logic as part of their First Home Buyer report.  We detail that first home buyers make a similar proportion of the market as since the report was first started, and that the age of the average first home buyer has stayed stagnant over th...

In this episode, we review NZ Homes Loans. This is a mortgage and insurance business, that claims they can wipe years off your mortgage. But are their claims fact or fiction? We discuss their 'channelling' strategy, where investors use revolving credit and offset accounts to reduce the interest they pay on their mortgage. We also cover when this strategy does and doesn't work.  If you have a...

In this episode, we discuss how property investors can increase the rent that they receive on their properties by using cabins and sleep-outs.  We go through the details of how Kylie from Gardner Homes currently rents sleepouts to investors for $75 a week, which then allows them to increase rents between $112 - $220 per week. We also mention Dreamtime Cabins , an Auckland-based sleepout suppl...

In this episode, we do a deep dive into how property investors can run due diligence on an apartment. This is based on an apartment Andrew looked at along with a friend.  We talk through the long term maintenance plan of the body corporate, along with the AGM minutes and show which areas of the apartment were costing the most money.  If you have a topic that you'd like us to discuss on t...

In this episode, we discuss how one investor will replace her income through property within the next 3 years. To go through the details, we are joined by property investor, Ilse Wolfe.  We discuss the investor's current portfolio, as well as the changes they hope to make in order to increase cashflow across their portfolio.  We also mention our upcoming property investment webinar , &nb...

In this episode, we are joined by property investor, Ilse Wolfe to talk about saving your existing property portfolio, after the government tax changes are introduced.  Here, Ilse takes us through a case study of how one investor renovated her property to massively increase the rent. This will both allow the investor to take more cash from the property, while also paying the additional tax. W...

In this episode, we discuss the winners and losers from the government's most recent changes to the KiwiSaver default schemes. ANZ, ASB, and Fisher Funds are the ones no longer involved as a default provider. Simplicity, KiwiWealth, and BNZ are among the winners. They'll now take a larger share of investors who haven't actively made a choice about their KiwiSaver. We discuss what this means for in...

In this episode, we discuss the areas in New Zealand where Airbnbs get a significantly better rental yield compared to renting long term to tenants.  We reveal that the top areas include secondary-holiday destinations, like Hastings, Nelson and Kaikoura. These are areas where there are likely fewer hotels and high-end holiday accommodation, which causes Airbnbs to enter the market. We also di...

In this episode, we discuss Airbnb vs renting out your property long term to a tenant. We go through the differences in yields, cashflow and set up costs. The main takeaway is that Airbnbs on average earn 38% more rent compared to renting out long term, but they also come with higher costs.  We also mention our upcoming property investment webinar , which is happening on Tuesday 1st June at 7...