The Property Academy Podcast

In this episode, we discuss the hidden risks of changing your position while you've got a new build underway. This question comes from a property investor who listens to the show, who has been told by their mortgage broker that they need to be careful about changing their position.  This is generally because when an investor signs a contract to purchase a new build, their pre-approval from th...

In this episode, we discuss how the current property boom compares to previous property booms, and how long rising house prices will last for.  We discuss that the peak of the market, in percentage terms, is not the peak of the market in dollar terms, and go through examples of where the property market can still experience frothy growth even after property pries don't increase at the same ra...

In this episode, we discuss the dollar for dollar exemption. This is a tactic that mortgage brokers and property investors can use to increase the amount they can borrow by using multiple banks.  This works because when you might purchase an investment property from a bank. Then, when you attempt to borrow more from the same bank, they won't allow you to borrow the same amount of money agains...

In this episode, we discuss how much rents really can increase in response to the government's tax changes, which will see landlords left out of pocket.  We discuss how quickly rents have increased in the past, along with how we expect tenants to respond when rents start to edge higher.  We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch...

In this episode, we discuss the only property investment strategies that make sense after the government enacts their proposed tax changes.  These include investing in new builds, adding significant value to rental properties to increase their cashflow, and purchasing property with a large cash deposit.  We also announce that Ilse is joining us for a property investment webinar to discus...

In this episode, we are once again joined by Auckland-based property investor, Ilse Wolfe, to talk about her experience paying $20k to use a professional property coach.  Ilse walks through her experience and what her property coach did and didn't do for her, as well as how it changed her property investment strategy and journey.  We also announce that Ilse is joining us for a property i...

In this episode, we are once again joined by property investor, Ilse Wolfe. Here, Ilse talks through one of her recent deals where she made $355k in only 7 weeks.  This was a property that Ilse acquired shortly after the Covid-19 lockdowns, which she then renovated to increase its value and cashflow. Ilse now makes a tidy $2k per month in passive income from the property.  We also announ...

In this episode, we are joined by property investor, Ilse Wolfe. Based in Auckland, Ilse has focusses on a BRRRR strategy, renovating to increase their equity and their cashflow. Here, Ilse walks us through her very first renovation, including how she overcapitalised and worked for the equivalent of minimum wage while doing-up these properties.  We also announce that Ilse is joining us for a...

In this episode, we discuss how to intelligently answer the property investment naysayers. Here Andrew and Ed each take one side of the argument to give you both sides of the story. The arguments include: that investors aren't the ones pushing up prices because they are yield focused, that property investors help to improve the quality of New Zealand's housing stock and that investors keep their r...

In this episode, we discuss whether an investment property is still worth it after the government's most recent announcements surrounding interest deductibility tax changes and the extension of the Bright Line Test. We also go through rental data to determine whether rents are likely to rise in response to landlord's increasing costs, and whether capital growth can still be expected in the future....

In this episode, we discuss the final parts of the government's housing announcements, which were released earlier in the week. These measures include allowing more first home buyers to access government support and new funding for infrastructure. Counterintuitively, we argue that more support for first home buyers, particularly those accessing the housing market with a 5% deposit, will actually l...

In this episode, we discuss the government's recent announcement that the Bright Line Tests is about to get tougher. Any capital gains you make on a property will be taxable unless you hold the property for 10 years, rather than the previous 5 years.  This will impact NZ property investors around the country. But, it will also be felt by homeowners who temporarily rent out their home e.g. bec...

In this episode, we discuss how your property investment strategy might change after Labour's tax announcements are made into policy. These include looking for higher cashflow properties, raising rents, purchasing new builds, renovating to increase the value and rent on a property, along with claiming as many other deductions as possible.  We also mention that because of these changes we are...

In this episode, we discuss the government's most recent changes to interest tax-deductibility rules. This in effect means that property investors will be taxed significantly more and some properties that were previously cashflow positive will not be cashflow negative.  We walk through how the changes will be introduced, and crucially the exemptions, which include "new builds" which are bough...

In this episode, we discuss whether you should allow your tenants to have pets within your rental property. This is often an emotional topics and property investors will swing one way or the other.  We also go through which sort of pets you might like to allow and what your decision might depend on, before delving into how to protect yourself from problem tenants and pets. We also announce th...

In this episode, we discuss the exact dollar amount that you're expected to need to reach peak happiness in New Zealand, as well as a breakdown of how to get it through property investment.  We talk through ways to build this same level of income through alternative investments, including term deposits. This is where we mention this graph from Craigs Investment Partners. We also announce that...

In this episode, we are once again joined by Matthew Harris from Momentum Property . Here, we discuss how to get rich ... for certain with property investment.  Matt details what he means by 'for certain', which is through the concept of incremental gain. Buying and holding property for the long term provides incremental gains in most years, through increased rents and property values. This p...

In this episode, we are once again joined by Matthew Harris from Momentum Property , to discuss the Wealth Wheel approach to property investment.  This is where a property investor will purchase both positively and negatively geared investments, which then offset one another. In practice, this means purchasing enough higher yield property to pay for the investment properties that grow in valu...

In this episode, we discuss how to use 2nd tier lenders and financers as part of your property investment strategy. We also go through how to start with a 2nd tier lender before moving across to a first tier. This includes an analysis of exactly how to move between the two. We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10...

In this episode, we discuss the property investment journey of Mattew Harris. Matthew is the director of Momentum property – an accountancy firm specialising in property investment.  He talks about buying his first home, before going on to build a property investment portfolio with his brother and cousin.  We also announce that we will host property investment dinners in Wellington,...

In this episode, we discuss whether property investors should invest in the Nelson / Tasman property market, along with an analysis of both the pros and cons of the property market. We look at where Nelson and Tasman house prices have been historically relative to the New Zealand median house price as well as a few region-specific factors that are unique to the property market there.  We also...

In this episode, we discuss the various ways to calculate the return on investment when considering investing in property, along with their pros and cons. We discuss gross yields, cash yields, net yields, return on equity, and finally reveal our holy grail – a return on investment calculator. This gives you the inflation-adjusted return on your investment property from each of the main ways y...

In this episode, we discuss the absolute worst-case, nightmare scenario in property investment. This comes from a listener of the show who wants to know the exact worst of the worst situation. This includes considering large scale natural disasters, a housing market crash, and the possibility of your asset falling in value while retaining debt. We also announce that we will host property investmen...

In this episode, we discuss how to conduct an analysis of a suburb before you invest. This is a worked example that comes from one of Ed's recent economic analyses of Manurewa. The team delve into how much historical capital growth a suburb has received compared to its relative price, along with a number of qualitative factors that you can use yourself.  We also announce that we will host pro...

In this episode, we talk about what 'Builder's Terms' are and how property investors get them. Builder's terms are where you are able to build a house, or group of houses, on a piece of land before you've paid for the land. This is because there are generally two types of developers in major subdivisions – land developers and builders. Here, the builder doesn't pay the land developer until th...