The Property Academy Podcast

In this episode, we discuss whether it's a good idea to buy your first home or an investment property in Ngaruawahia. Ed shows us the data he would look at (and where he got it from) to assess whether the town is worthy of a second look when it comes to investing.  We find that while Ngaruawahia has historically not had the best reputation, it stacks up much better when looking at the data. W...

In this episode, we discuss whether the interest deductibility rules, which were introduced in the UK in 2017, have had any impact on the UK housing market.  We go through the capital growth numbers, the rental figures, and detail how closely the rules introduced in the UK resemble those that will soon be brought in here.  We also discuss our upcoming property investment webinar , where...

In this episode, we discuss whether property investors and home owners are able to get a better price for their property if they sell their home to a developer along with their neighbour.  We also detail some things you need to think about ... like how the money is divided between the two neighbours, and the premium that developers are really willing to pay.  We also mention our upcoming...

In this episode, we debate whether property investors should buy 2 cheap, or 1 expensive property when building out their investment portfolio.  We detail the arguments for each, including a discussion around diversification, deferred capital maintenance, the ability to liquidate your portfolio and a whole heap of data. We also want to know who won the debate ... do you think it's better to b...

In this episode, we discuss the process for getting an interest-only loan and whether property investors are able to keep getting interest-only loans forever. We detail the process for getting an interest-only loan and what the bank will do to assess whether you can afford an interest only loan or not. We also mention our upcoming tour to Christchurch, Queenstown, Auckland and Wellington where we...

In this episode, we discuss what property investors should do with their cash while savings up for their next investment property. This could also be applied to first home buyers who are looking to take their first step on the property ladder. We model out the 5 different options investors have – from leaving the money in the bank, through to investing regularly through the stock market. We also m...

In this episode, we discuss the exact actions and changes that some property investors are making in order to respond to the government's tax changes are residential property investment.  In the first case study, one investor Andrew works with will sell 1 existing property to purchase 3 brand new properties. In the other, only a slight tweak is needed to bring the portfolio back into line.&nb...

In this episode, we discuss ASB's new "Back My Build" interest rate. The bank is tapping into the Reserve Bank's 'Funding For Lending' programme to fund this low rate. This allows property and real estate investors to borrow at much cheaper rates than an existing property. This further tips the economics away from existing and towards new properties.  We also mention our upcoming tour to Chri...

In this episode, we discuss whether you should care, as a property investor, about buying a property when Kainga Ora houses are down the street.  We share some horror stories as well as challenging some stereotypes of what a typical Kainga Ora tenant might be like.  We also mention that if you have a topic idea that you'd like us to talk about on the show, then send us a text. Our number...

In this episode, we discuss over 60's units, which are a specific type of property, that can only house people over the age of 60. These are typically found in Christchurch and the surrounding towns.  Because they have a limited pool of buyers who can pick them up, they typically are cheaper and have less capital growth than alternative investments. They also have a limited pool of tenants.&n...

In this episode, we discuss what sort of property you should buy when you are close to being tapped out, and you expect the bank soon won't lend you more money.  This is a key concern for Kiwi property investors, so we walk through two schools of thought. First investing in growth properties, the other focussing on yield.  We also mention our upcoming tour to Christchurch, Queenstown, Au...

In this episode, we discuss whether property investors should be worried if your property developer goes bankrupt and what happens in this situation.  This comes off the back of the developer behind Ormiston Rise, a KiwiBuild development going under, with purchasers left asking questions. We also mention our upcoming tour to Christchurch, Queenstown, Auckland and Wellington where we are takin...

In this episode, we discuss the Reserve Bank's latest Financial Stability Report. Here, the central bank has released its initial analysis and assessment of the tools it could use to regulate house prices so that they are financially stable.  This includes an analysis of the four tools they have considered, along with how they would potentially impact property investors around New Zealand. We...

In this episode, we discuss dual key apartments, which are a high yielding investment option that work well for yield-focussed investors, or growth investors who are looking to add a yield property to their portfolio. We go through the historic capital growth rates on dual key apartments that we have worked with and also detail the yields that you can expect as a property investor. We also mention...

In this episode, we discuss new ANZ lending rules that mean that property investors purchasing existing properties require higher yields, or more of their own income to support their mortgage application.  The major bank in NZ now only counts 65% of the rent an existing investment property generates when calculating mortgage affordability criteria. New builds and properties already within an...

In this episode, we discuss advice given from the Ministry of Housing and Urban Development to the Housing Minister, Megan Woods.  This advice was given in the lead up to the government's housing announcement in March. We go through the advice and reveal some of the surprising statistics contained within the documents.  If you have a topic you'd like us to talk about the show, then send...

In this episode, we discuss whether rent controls are the solution for the New Zealand housing market, and the impact they would have on property investors and landlords.  This includes a few economic rants about the unintended consequences of policies like rent controls, and how they can harm tenants in perverse ways.  If you have a topic you'd like us to talk about the show, then send...

In this episode, we discuss the numbers behind each of the main banks lending criteria. This is to show the differences between how each bank will run the numbers on your mortgage application. We also go through a few real case studies to show that banks are willing to lend vastly different amounts to different types of people.  If you've got a topic that you'd like us to talk about on the sh...

In this episode, we answer 23 questions from our recent webinar with property investor, Ilse Wolfe, in under 15 minutes. The questions cover a variety of topics, from the discount code for a particular cabin company, right through to the cost of renovations. We also announce that we are looking to expand the Opes Accelerate property coaching service into other parts of New Zealand other than Auckl...

In this episode, we are once again joined by Jenny Turner. Jenny is a Partner at Wynn Williams, a high-end law firm. Here, she joins us to talk about ownership structures.  Many property investors wonder whether they should hold their properties in trusts, companies or in their own name. Here, Jenny gives a summary of each of them and walks through which one may be the right fight for you. Go...

In this episode, we are once again joined by Jenny Turner, a Partner from Wynn Williams, a law firm. Here we discuss how to set up JV, partnership and shareholders agreements the right way.  We talk through some of the intricacies and what partners should be thinking about, as well as how to provision for the eventual exit or termination of the investment relationship.  We also want to h...

In this episode, we are joined by Jenny Turner who is a Partner at Wynn Williams, a law firm. Here, Jenny talks through how to negotiate a fair relationship property agreement.  We also share a few horror stories of where relationship property agreements have gone poorly and where parties have been left even more unhappy than would otherwise already be at the end of their relationship. ...

In this episode, we discuss two case studies of how real property investors are adapting their portfolios in response to the government's tax changes.  These come from recent reviews that Andrew has been running with property investors around the country. This includes selling properties, or purchasing higher yield properties in order to improve their cashflow position.  But, what we wan...

In this episode, we discuss what you should and shouldn't do within property investment ... including a few that may surprise you. These include not paying principal off your property investment mortgage, and not DIYing most of your property investment renovations.  We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurc...

In this episode, we discuss whether it's worth joining your local property investors association, along with who they are and are not the right fit for.  Our conclusion is that if you join, you need to get involved and turn up to the events if you want to get the most out of your membership. Otherwise you'll get nothing back in return. We also mention that we are holding a series of property...