The Property Academy Podcast

In this episode, we discuss relocatable houses and homes and who they are the best fit for. A relocatable property is where an investor will purchase a vacant house and transport it to an empty plot, or a newly subdivided piece of land. The idea here is that moving and renovating a house is often cheaper than building one from scratch. However, there are hidden costs, not just in connecting the ho...

In this episode, we are joined for the final time by Matt Harris, an Ex-IRD investigator and co-owner of Momentum property .  Here, Matt takes us through a few case studies of how he has been able to save property investors significant amounts of tax by structuring their affairs in the most efficient manner.  Finally, we wrap up the show by discussing our upcoming podcast tour, which has...

In this episode, we are once again joined by Matt Harris, an ex-IRD investigator and co-owner of Momentum Property . Here we discuss the ways you are able to hold property – and which entity is right for you depending on the type of investor you are.  For instance, Look Through Companies tend to work better for long term buy and hold investors where the portfolio makes a loss. Whereas a long...

In this episode, we are joined by Matt Harris from Momentum Property . Matt is an ex-IRD investigator and a property accountant. Within this episode he reveals the common misconceptions Kiwi investors have about property tax. One of the most interesting revelations is that if you hold properties in a limited liability company, you need to wind up that company to pull any capital gains out for the...

In this episode, we discuss new data recently released by the Real Estate Institute of New Zealand, which shows that 10 regions and 17 districts hit new record median house prices. The message here is that the property market is hot and house prices are getting more expensive. IN 6 months time it will cost you more to purchase an investment property than it does today.  Finally, we wrap up th...

in this episode, we discuss recent policy changes and statements that have been made by the Reserve Bank of New Zealand. In particular, we go through the Large Scale Asset Purchasing Programme and some of the alternative policies the Reserve Bank is expecting to implement in order to maintain low-interest rates.  Then we discuss recent changes that have occurred to the US Federal Reserve and...

In this episode, we discuss three new ways you can use data through CoreLogic, this includes the new CoreLogic House Price Index and the relaunched Propertyvalue.co.nz website. In addition to this, we walk through a real property report that was downloaded from the new propertyvalue.co.nz website so you can get a sense of what you can access through the website.  We also discuss the new dates...

In this episode, we are joined for the final time (in this series) by Tony Mounce from Tony Mounce Mortgages and Insurance. Increasingly banks are looking for reasons to say no to borrowers ... even going so far as to check borrowers bank statement line by line to look for anomalies.  That is why it is crucial that borrowers put their best foot forward the first time ... and a big part of thi...

In this episode, we are once again joined by Tony Mounce from Tony Mounce Mortgages and Insurance. Here, we discuss the rules and regulations for getting a mortgage if you are a Kiwi living overseas (and even if you're not).  The banks have tighter restriction on overseas borrowers than those living in New Zealand. Typically an overseas investor will require a 30% deposit (rather than a 20% d...

In this episode, we are joined by Tony Mounce from Tony Mounce Mortgages and Insurance to discuss interest rates. We go into detail about what causes interest rates to rise and fall and Tony's prediction about how long interest rates can stay low.  Tony's main point is that interest rates are indicative of the supply and demand for money. Right now reserve banks are pumping money into the glo...

In this episode, we go back to our top 20 guests (including Andrew and Ed) to talk about their biggest learnings through property investment over the last year.  This includes Tony Alexander, Sarina Gibbon from the Auckland Property Investors Association, Jon Lawry, Eugene Bratsaiken and many more who have featured on the show over the last 12 months.  Thank you to everyone who has liste...

In this episode, we are joined for the last time by Sir Michael Hill. Here, we discuss the future of retail and how that will impact retail landlords.  Sir Michael predicts that there will be a consolidation in retail. Small country towns will become increasingly weaker, while shopping centres in the main cities will become stronger.  Ultimately this will have a negative impact for comme...

In this episode, we are once again joined by Sir Michael Hill – who walks us through what he does to preserve the wealth he has created across generations.  The most important takeaway from this episode is how Sir Michael and his family have quarterly meetings to discuss the family's financial appears. In Sir Michael's books, this is an important discipline that all families should adhere too...

In this episode, we are joined by Sirt Michael Hill – founder of Michael Hill International, the Michael Hill International Violin Competition and The Hills golf course.  Here, Sir Michael walks us through how to set big, long term goals and what he's learnt about goal setting in his life and on his journey. 

In this episode, we recap the top 9 lessons shared by our three real Kiwi property investors at our recent property investment webinar. These lessons were: Trust your guy Get as much lending as you can ... by any means necessary Your property is not the market It's easier to get lending for your first investment than you might think The more you understand, the more you can take action To hit your...

In this episode, we rapidly answer 25 of your property investment questions in just under 12 minutes. Here, Andrew walks us through some of the basics (and some of the advanced learnings) for how to become a successful property investor.  Questions range from how long you can have an interest-only loan for, through to whether it's best to favour brick cladding.  We also mention the webin...

In this episode, we discuss the Auckland Unitary Plan and other district plans that are in the works ... and specifically what they mean for property investors who are looking to subdivide and add value to properties.  As we discuss, the Auckland Unitary Plan is a hefty document, which needs careful navigation and consultation before taking action. We discuss the pitfalls and the benefits for...

In this episode, we are joined by, special guest, Hamish Frizzel from Survus Landsurveyors to discuss subdivision. Hamish has almost 30 years experience in subdivision and Survus has been in business for the last 63 years.  Hamish walks us through how subdivision can result in significant gains for the willing property investor ... but it does require significant investment (upwards of $...

This is a special bonus piece of content, which is the audio from our recent webinar where three real-life property investors share their stories and their numbers.  New Zealand currently ranks 26th out of 29 in the OECD, a club of mostly rich countries, for savings and investment. On average, Kiwis are on track to save -1.26% of our income in the next year.  We believe that if we can re...

In this episode, we discuss ghost houses – the 200,000 houses in New Zealand that don't have anyone living in them. This has come to light as part of Auckland Council's investigations into how to provide housing to Aucklanders.  One trouble that we discussed, is that many of these properties are not technically vacant, even though they are unoccupied. These are properties such as holiday home...

In this episode, we discuss asset bubbles – what they are and what happens when they pop. We also discuss whether New Zealand has a housing bubble and a few examples of previous asset bubbles.  For instance, one famous example of a bubble was Tulipmania, which occurred in Holland in the 1600's. Here the price of tulips increased to the point where one tulip bulb was sold for the equivalent of...

In this episode, we discuss two policies that are being proposed at the next election. The first is from The Opportunities Party, which is proposing a housing tax ... and then the Greens' wealth tax.  We go through what each of these policies are and the effect on the average property investor trying to build a passive income.  We also mention the Epic Guide to Property Investment , our...

In this episode, we discuss the bright-line test, which is New Zealand's version of a capital gains tax. While seemingly clear cut – sell a property (other than your own home) within 5 years and you'll be taxed – there are many fishhooks.  For instance, if you show a pattern of buying and flipping your own home then you will be taxed on those transactions. If you inherit a property with a sib...

In this episode, we discuss whether the number of bedrooms a property has impacts its capital growth. This is based on data shared by us by Core Logic, which was recently published in JUNO investing magazine. We reach the conclusion that for apartments it makes a difference moving from 1 bedroom to 2 bedrooms, but for other numbers of bedrooms, or other property types ... it doesn't make that much...

In this episode, we discuss the board game, Monopoly and what real investors can learn from playing the game. Some real-life lessons include:  inflation – buy up big early in the game because you know the value of properties will go up over time as they become more valuable managing cash – not developing your properties too much too soon, in case you can't meet an unexpected expense, and nego...