The Property Academy Podcast

In this episode, we discuss the tenancy tribunal ruling between Mary Fisher, a Wellington-based landlord and her tenants. Ms Fisher's tenants caused intentional damage and had to pay over $9.1k to cover the damage and other infringements.  We discuss what happened, what the landlord did right and wrong, and what you can learn as property investors from the ruling.  Click here to read the...

In this episode, we discuss how the Reserve Bank may potentially limit interest-only loans to property investors in order to curb house price inflation.  We go through the stats of how prevalent interest-only loans are right now for investors, before detailing the Reserve Bank's process for evaluating these sorts of tools. Finally, we wrap up the show by celebrating our 1 millionth download a...

In this episode, we compare the Master Build guarantee vs a Builder's guarantee. The main point property investors need to understand is that these guarantees are insurance products. They are not a guarantee from the builder themselves about the quality of the build. We compare and contrast the benefits of each and talk about some of the fishhooks and pitfalls, where property investors have been c...

In this episode, we discuss 10 different property investment strategies and how you would potentially make money through each of them.  This includes an analysis of Buy + Hold, BRRRR, Development, Commercial Property Investment, Landbanking, Airbnb, Boarding houses, Flipping and so many more.  If you have a topic that you'd like us to discuss, then send us a text. Our number is 5522. It...

In this episode, we discuss how to apply the "go hard + go early" mentality to property investment. This comes from a listener of the show who wonders whether the government's current approach to tackling Covid-19 could be applied to getting started with property.  We go through the first two stages of financial life – Planters and Growers – and talk about how you could go hard + go earl...

In this episode, we discuss the recent change in the Reserve Bank Act, which gives explicit instruction to the central bank to make it tougher for property investors to buy existing homes.  And while the monetary policy committee's mandate remains to focus on full employment and inflation, they do need to explain the effect of their programme's on house prices. Is this government passing the...

In this episode, we discuss the latest monetary policy update from the Reserve Bank. Practically, nothing changed. The OCR stayed the same and the Large Scale Asset Purchasing Programme remains as does the Funding for Lending Programme. But, there was much to be gained from the Reserve Bank Governor's speech. He expects interest rates to continue falling – and is looking closely at banks to s...

In this episode, we detail the 5 Healthy Homes standards: draught stopping, insulation, heating, ventilation and drainage. We go through each, including the responsibilities that property investors and landlords have. These regulations come in officially from 1st July 2021. But, property investors don't have to comply until 90 days after they sign a new tenancy agreement. If you've got a topic tha...

In this episode, we discuss how property investors tend to decrease the amount of debt they hold against their portfolio over time.  Generally, property investors will have a lower LVR over time as their property portfolios increase in value and mortgages are paid off. This happens, often, unconciously. Though investors will tend to de-leverage for risk-mitigation purposes too.  If you'v...

In this episode, we discuss RMA reform and what it means for property investors around New Zealand. We detail Labour's current plans for RMA reform, along with the three acts of parliament that are expected to replace the current legislation.  We go through the potential impacts on council organisations and who we expect to be happy and unhappy from the outcomes.  If you've got a topic t...

In this episode, we discuss how ongoing lockdowns could impact Auckland's property market. This was recorded during the second part of the lockdown of the Valentine's Day Covid-19 cluster. We detail how ongoing lockdowns will impact the household savings rate, and the potential for fewer properties to come on to the market as Aucklanders improve the current quality of their properties.  If yo...

In this episode, we discuss whether the government might tax property investors more by changing the rules around interest deductibility for investment properties. We detail the UK precedent and go through the reasons why the UK has stopped property investors from claiming interest as a tax-deductible expense. We also detail how property investors would tend to react if such a policy came into for...

In this episode, we discuss our favourite tools, software and content for property investors that haven't been created on the Opes Partners website.  These include: Calculate.co.nz – an NZ calculator based website PocketSmith – an NZ personal finance and budgeting tool, and Kitt.io – a piece of software for property investors to self manage their portfolios Along with many, many more. If...

In this episode, we discuss our top 10 tools and pieces of software for property investors that are specifically available on the Opes Partners website. These include: Capital growth and yield maps for Auckland , Christchurch , Hamilton and Wellington The new property investment articles section, and The property investment webinar library Plus many more If you've got a topic that you'd like us to...

In this episode, we discuss the most recent data released by the Real Estate Institute of New Zealand for January 2021 and talk through the key drivers of the property market right now. This includes an analysis of listings data and the long term structural decline in interest rates. We also cover how to read seasonally adjusted trends and data when looking through a property market report. ...

In this episode, we answer 25 of the top questions asked at our most recent property investment webinar. This includes everything from how to use the equity in one property to purchase another, right through to whether Auckland is better than Hamilton.  Some questions even turn to cryptocurrencies, which is when we mentioned this episode from the NZ Tech Podcast. If you've got a topic that yo...

In this episode, we discuss whether you should invest in an apartment as your first step in property investment. This comes from a listener of the show who asks whether apartments are only for retiree-investors.  Ed shares his story of why his first investment property was an apartment, which moves into a discussion about who apartments tend to be right for and why. If you've got a question t...

In this episode, we talk discuss whether you should get a relationship property agreement. This includes how to bring the subject up with your partner and the process for setting one up. Andrew also shares how he is personally structuring his assets so that some assets are included as relationship property, while others are separate.  If you've got a question that you'd like us to answer on t...

In this episode, we talk about the three stages of life that property investors tend to go through. This comes from a recent article that Andrew penned for JUNO investing magazine, which has just hit the supermarket shelves. The three stages include planters, growers and harvesters. Throughout the show, we give details on what these stages are, who tends to be in each of them and then how to move...

In this episode, we discuss which company's have the cheapest real estate fees if you are selling a property, whether that be an investment property or your own home.  We talk through some of the players in the market and show that in some cases, there is a $10k difference between what the most expensive and the most affordable real estate agents will charge. If you've got a question that you...

In this episode, we discuss how to rebuild your asset base after you go through a divorce or a separation.  Any divorce or separation comes with significant upheaval and emotions. So remember that expanding your portfolio while going through a separation may not be the right move for you. But, once the dust settles many Kiwis want to build back their asset base, and property can play a part i...

In this episode, we discuss 8 new changes that have just been introduced to the Residential Tenancies Act, including exactly what they mean for property investors.  These 8 changes include – that property investors can no longer end a tenancy agreement without a valid reason; that tenants can make minor changes to their properties and landlords can't say no, and the lines for getting it all w...

In this episode, we discuss whether main cities or small towns are better for property investors. Andrew and Ed go back and forth to offer three arguments each. Andrew argues that main cities have better security of tenancy and capital growth, along with more consistent capital growth. He also argues that main cities and small towns have comparable long term net yields (contrary to what many prope...

In this episode, we discuss whether leasehold properties are good investment. We go through a few examples where properties are able to achieve a gross yield of over 16%. However, once the net yield and cashflow are calculated, we see that these types of properties give a subpar return, all things considered. If you've got a topic you'd like Ed and Andrew to talk about on the podcast, then send us...

In this episode, we discuss whether you can still get a loan from a bank if the property you're hoping to buy has unconsented works on it.  We also dive deep into defective titles, which frequently impact cross-lease properties. We discuss what a defective title is and how it gets that way, as well as how to fix it. Do you have a question you'd like us to talk about on the podcast? Send us a...