In this episode, we discuss the latest inflation data and our predictions for where inflation is heading. We start by discussing the current 6% inflation figure and how fast inflation is going down. This includes the impact on interest rates and our latest interest rate predictions. Finally, we discuss the potential impact on the property market and house prices. Main Topics Discussed: Inflation Inflation impact on interest rates Inflation predictions and inflation forecasts Interest rate predictions and forecasts And we also mention our upcoming webinar about How to Succeed as a Property Investor With No Experience + Real Life Case Study. It's on Tuesday August 8th at 7pm, click the link to register.

In this episode, we discuss the top four reasons why your mortgage application might get declined. This includes real-life case studies to show you where Kiwis are going wrong. This includes scenarios where investors have got the value of their properties wrong, not disclosed debts, and put the wrong income on a mortgage application. Through this, you'll learn how to avoid mortgage rejection and will be able to steer clear of these common mistakes. Main topics discussed: Getting finance Mortgage approval Mortgage decline We also mention our upcoming property investment bootcamp. This is in Christchurch on Saturday 29th July from 1 – 3pm. It's free to register. Click the link to book your free ticket.

In this episode, we discuss how population shifts impact the property market. This includes what the birth rates from 21, 47 or even 65 years ago tell us about the property market today and where the opportunities will be in the future. You'll hear how to use this data to plan your property portfolio and buy properties New Zealand needs. Main Topics Discussed: Impact of Demographics on Property Market Trends in University Student Numbers Future of Student Housing Increase in Elderly Population Changes in Housing Needs Role of Demographics in Market Analysis

In this episode, we are joined by Michael and Becky from Anxiety Specialists to talk about how you can conquer investment anxiety as a property investor. Together, the two take us through the techniques that you can use to conquer anxiety including Worry Scheduling and Conscious Challenging. You can use these techniques to deal with worries, fears and concerns when investing in property. And we also mention Anxiety Specialists YouTube Channel and their website.

In this episode, we unravel the hidden costs associated with selling a house. We don't just talk about the real estate agent's fees but dig deep into all the costs you'll face when putting a property on the market. We start with the unavoidable costs related to photos, videos, and marketing, which also includes the fee to list the property on TradeMe. We then discuss how much it typically costs and when you need to pay for these services. Staging your house is not mandatory, but is it recommended? We weigh in on the pros and cons and discuss the influence it has on the final selling price. We also share the typical costs, factors that can make it more expensive, and when these payments are generally due. Other significant expenses to consider are a builder's report and potential repair costs. We explain why it's beneficial to invest in a builder's report and discuss an instance where a property needed substantial maintenance before being listed. Finally, we sum up all the costs, giving you an idea of what the total cost could be when selling your house, apart from the agent's commission. Main topics discussed: Marketing and Listing Costs The Role and Cost of Staging The Importance of a Builder's Report Potential Repair Costs Total Cost Summary

In this episode, we are joined by Becky and Michael, a pair of podcast listeners who are currently building two properties on the back of their section. We go through the emotional rollercoaster of the build, and how they were hit by an unexpected $500,000 bill. Michael and Becky walk us through how they handled it, and what their next steps are in property investment.

In this episode, we delve into the financial aspects of selling a house, specifically, when and how you get paid from the sale. We begin by discussing the reasons why people are keen to get the money quickly, such as needing the cash to pay a deposit on their next property. We then break down the selling process, shedding light on when you actually get paid. You'll also learn what happens on settlement day, when the balance of the property price is paid. Main topics discussed: House Selling Process Deposit Payments Real Estate Agent Commission Legal Aspects Settlement Day We also mention our upcoming property investment bootcamp. This is in Christchurch on Saturday 29th July from 1 – 3pm. It's free to register. Click the link to book your free ticket.

In this episode, we discuss the latest property market data from the Real Estate Institute of New Zealand. This includes a look into which areas are increasing (and which are decreasing) in value. We also discuss the areas where more (and fewer) properties are selling. Ultimately, this lets you make an informed decision about whether (and where) to invest in New Zealand property.

In this episode, we discuss the recently updated Unit Titles Act, and what these changes mean for apartment owners in New Zealand. We start with a breakdown of the new laws that came into effect on 9th May 2023 and highlight the three main changes: Giving apartment buyers more information about the building so they can make a more informed decision. Forcing some body corporates to hire a professional body corporate manager. Increased emphasis on long-term maintenance planning, including the requirement that some body corporates will now need to create a 30-year long-term maintenance plan. Finally, we address the impact of these changes on body corporate fees and whether the increased disclosure and new rules could lead to higher costs for apartment owners. Main topics discussed: Apartments New Body Corporate Rules Unit Titles Act Changes Role of Body Corporate Managers Long-term Maintenance Planning Potential Rise in Body Corporate Fees We also mention our upcoming property investment bootcamp. This is in Christchurch on Saturday 29th July from 1 – 3pm. It's free to register. Click the link to book your free ticket.

In this episode, we discuss whether interest rates will go down over the next few years. We dive into the factors impacting interest rates and discuss why many people believe they might drop in the future. We discuss how the Reserve Bank has increased interest rates to combat inflation and explain how an inverted yield curve can signal expected rate drops. We also look at the Reserve Bank's own projections and recent inflation trends, which both suggest that we might have reached the peak of the interest rate cycle. Main topics discussed: Interest rates in New Zealand Interest rate predictions Inflation Interest rates Reserve Bank

In this episode, we break down the key differences between: Renovate to Flip vs Renovate to Hold. We dig into the unique considerations that each method demands: Buyer: whether you'll sell to an owner occupier or rent to a tenant. Building: The type of property you'll invest in. Bunnings (Building Materials): The choice of renovation materials based on look and how easy it is to replace. Budget: How much you should spend on a flip vs a hold. We wrap up the episode with some real-life success stories about successful flip and hold renovations. Main topics discussed: Renovation strategies Renovate to flip vs renovate to hold BRRRR strategy Renovating Flipping properties

In this episode, we dissect whether you should invest in Auckland – New Zealand's largest and most expensive city. We discuss the pros and cons of investing in Auckland. Highlights include: Auckland's house prices are currently 9.30% below their long-term average, suggesting potential growth. Historically, Auckland's house prices have increased more rapidly than the rest of New Zealand. Population growth in Auckland is set to fuel the demand for housing. However, Auckland's high house prices and lower yields present challenges for investors. We examine what kind of properties an investor should consider in Auckland and delve into who would most benefit from investing there. Main topics discussed: Auckland house prices Auckland property market Auckland property investment

In this episode, we are joined by Nitpreet, a listener of the show who joins us from the back of his family jewellery shop. He shares how his family are investing together in the South Auckland market and how they achieve their financial goals together. This includes why they want to invest and how they manage the family dynamic (and any issues that come up).

In this episode, we delve into the 23-step checklist you can use to identify good investment properties. This detailed guide covers five critical aspects of property investing: Location: things like historical capital growth, the property cycle of the region and population growth. Developer: Factors related to the developer's financial stability, reputation and their handling of issues. Banks / Lending: We explore whether banks will lend you money for the property. Building: Whether the property has a healthy yield, tenant demand, and whether it meets the Healthy Homes Standards. Pricing: We discuss the significance of appropriate and affordable pricing. You can download the checklist to use on your own property investment journey here.

In this episode, we discuss how couples planning to have children can invest in property, how to plan a portfolio, and what to look out for. This includes how to navigate the financial challenges that come with a single income while one partner is on maternity leave. We shed light on how having children impacts cash flow, borrowing capabilities, and your ability to invest. We also explore how maternity leave influences these dynamics. Main Points Discussed: The Impact of Having Children on Investing: Maternity leave Investing Before Having Children: Friendly Bank Policies for People on Maternity Leave: Strategies for Single-Income Families:

In this episode, we delve into the world of building inspections, showing you how to spot significant issues (and avoid worrying about minor concerns). We analyze two different building inspection reports: one for an existing plaster home, and the other for a new build. Whether you're a seasoned investor or a first-time homebuyer, this episode will teach you how to navigate building inspections confidently. Main Points Discussed: Understanding Building Inspections Analyzing an Inspection Report for an Existing Plaster Home Dissecting an Inspection Report for a New Build How to Distinguish Between Major Problems and Minor Issues Links Mentioned –  ⁠Property investment bootcamp - Learn how to be a property investor

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How To Spot the Difference: Good Vs Bad Investment Property' by uncovering the hidden traits of a profitable investment property, the common oversights made by investors and we share our 23 step checklist to help you make the right decisions.

In this episode, we tackle the "Earn Baby Earn" strategy for self-employed individuals, small business owners, and commission earners aiming to get their mortgages approved. We define what this strategy is, how it works, and why it might help you borrow more from the banks. Through a case study, we illustrate how one couple, Lucy and Nathan, successfully used this strategy to get their loan approved despite initially failing to meet the bank's requirements. Main Points Discussed: The "Earn Baby Earn" strategy explained Actual vs. Bank perceived income Advice for commission earners seeking a mortgage The potential of the "Earn Baby Earn" strategy for prospective property investors Links Mentioned: Property investment bootcamp - Learn how to be a property investor

In this episode, we delve into 7 major indicators that suggest that the property market is about to turn. We discuss factors like the recent dip in house prices, wage growth, a continuous rise in rents, and escalating construction costs. We also cover whether interest rates have peaked and if the banks are easing credit criteria. Main Topics Discussed: Property Market Update Decline in House Prices Wage Growth Rising Rents Construction Costs and Failing Developments Banks Easing Credit Criteria Links Mentioned: Tony Alecander's Newsletters Upcoming Webinar (Spot the Difference: Good Vs Bad Investment Property⁠ Tuesday, 11th July at 7pm)

This episode breaks down the basics of useable equity. We clarify what useable equity is, how it differs from regular equity, and how it can be leveraged to purchase an investment property without a cash deposit. We also address potential uses, risks, and the steps to access your useable equity. This knowledge is essential whether you're an experienced investor or just beginning your property journey. Main Points Discussed: Definition and Calculation of Useable Equity Utilizing Useable Equity to Purchase Property Different Property Types and Borrowing Limits Other Uses and Risks of Useable Equity Steps to Access Your Useable Equity Links mentioned: Useable Equity Calculator

In this episode, we are joined by Christine and Miriam from Wellington. These sisters began investing together about 6 years ago. Since then, they have used their first property to grow an impressive portfolio. Today, they have 6 properties between them. They talk us through their journey and what they've learned over the years.

Should you use one or two real estate agents to sell your property? Justin, one of our listeners, has 2 properties up for sale. But two real estate agents want to sell them in different ways. And he's scratching his head over which strategy to go for. In this episode, we get down to the nitty-gritty of sole agency versus general agency contracts. I.e. should he use 1 or 2 real estate agents? We talk about the pros and cons of both options. With a sole agency, you might get better service, but your property's exposure is limited to one network. With a general agency, your property potentially gets seen by more people, but there are potential conflicts and extra costs to consider. And just to keep things spicy, we look at Justin's specific situation. Plus, Andrew shares a real-life experience from a few years back when he was in Justin's shoes. Main topics discussed: Sole vs General Agency Selling strategies for adjacent properties Real-life experiences in property selling Pros and cons of both agency options Links mentioned: Upcoming webinar – Spot the Difference: Good vs Bad Investment Property Tuesday 11th July at 7pm

In this episode, we dive into the murky waters of setting up a resident's association. You're in for a treat – it's a step-by-step guide! A listener of the show, Michael is in a bit of a pickle. He settled on a townhouse in Dec '22. But here's the twist, the developer went under, and now there's no resident's association. So, Michael is scratching his head, wondering – do I need one? And if I do, how on earth do I set it up? In this episode, we clear the air about resident's associations – what they are, why they're important, and yes, the nitty-gritty on how to set one up. You'll learn about the three main functions of a resident's association. You'll also learn the five steps you need to set up a resident's association: Main topics discussed: Setting up a resident's association Role of insurance in resident's associations Shared property maintenance Rules within resident's associations

In this episode, we get down to the nitty-gritty of rental appraisals. A listener recently reached out, scratching their head over a couple of rental appraisals that seemed a bit high for a potential investment in Auckland's Beach Haven. We unpack what rental appraisals really are and how much weight you should give them. Spoiler alert: they're not an exact science! You'll learn the steps you need to take to make sense of these estimates, and we'll use a real-life example to illustrate our points. And what if you pick the wrong appraisal? We've got you covered with a chat about the potential pitfalls and how to sidestep them. This episode is like a backstage pass to the world of rental appraisals. So, buckle up and join us for the ride! Main topics discussed: Rental appraisals Property investment Property management Real estate market in Auckland Beach Haven properties Market research Rental income

In this episode, we dive into New Zealand's housing landscape to discuss whether first-home buyers can still break through. We talk about the widening gap between house prices and income growth. But also that despite the challenges, first-home buyers are making homeownership happen, accounting for a quarter of the market. We also explore international homeownership comparisons, debunking some common misconceptions. You'll also hear inspiring stories of first-home buyers overcoming obstacles and offer practical advice for those looking to secure their first property. Main topics discussed: First home buyers Homeownership Success stories

In this episode, we discuss a situation where a listener of the show is trying to convince her sceptical husband to invest in property. We share her story and talk through the best way to talk to your significant other about property investment. This includes a discussion about what happens when they read bad news articles in the media. Ultimately we suggest that instead of trying to 'convince the sceptic', you should instead try to understand their thoughts, concerns and fears so you can discuss how to work through them. We also mention that you can find our new ebook here – New Build Buyers Guide ebook. You can also read the interest.co.nz article mentioned in the podcast here.

In this episode, we discuss how many cars Kiwis own. This includes diving into the numbers to look at how car ownership differs between homeowners and tenants. We also discuss how this changes around the country. People own lots of cars in some parts of NZ, and fewer cars in other parts. Ultimately, this will help you make a decision about how many cars you need in your investment property.

In this episode, we are joined by Nicole, a property investor who bought her first rental at 29. Nicole shares how she bought her first home and the steps she took to get ready to invest in property. But it wasn't until Nicole saw someone her age buying an investment property that she realised she could too. As usual, Nicole is a listener of the show and has come on to Case Study Sunday to share her story and inspire others. If you want to feature on Case Study Sunday, too, send an email to [email protected]

In this episode, we discuss which is the better website for finding property investment deals – TradeMe or Realestate.co.nz. We review how many listings each website has, the features and the differences in how you search for properties. Ultimtaely there are more differences than you might think. Ultimately we crown the king of property websites.

In this episode, we look through the latest property market data to determine which New Zealand areas will bottom out first. This includes a discussion of which areas are still seeing significant price falls and which are seeing little change. Ultimately this will help you make a decision about whether (and where) to invest over the next year or two.

In this episode, we discuss the Green Party's new Wealth Tax policy. We look at how this policy would impact property investors if implemented. This includes how one investor's effective tax rate would rise from 2up to 98%. This gives you the facts so you can make an informed decision about whether to invest and what policies to support in the upcoming election.

In this episode, we are joined by Ilse Wolfe from Opes Accelerate to discuss what property investors need to know about investing in student housing. We deep dive into the Dunedin market and look at where student housing is most in demand, the types of properties that suit student housing, and the returns investors can get when investing in these types of properties. Ultimately this will help you understand whether investing in student housing is the right fit for you.

In this episode, we discuss the concept of 'negative equity'. This includes what it is, who is most likely to fall into having negative equity, and how to get yourself out. We also discuss how being in (or close) to negative equity can put property investors into 'Mortgage Prison'. This is where you struggle to switch banks because your property's value has decreased. This can mean you struggle to get a better interest rate.

In this episode, we discuss the secret language of real estate agents; this includes the euphemisms they use when advertising properties. We go through words like 'cosy', 'motivated seller', 'shabby chic' and 'renovator's dream'. This shows you what to look for when searching for properties online.

In this episode, we are joined by a listener of the show – Eliot – who shares how he started investing in property and how he has now started flipping properties. He also shares how he found a business partner to start flipping with, how he renovated his first property during the pandemic, and the next steps he'll take in his renovation and property investment journey. If you want to come on the show and share your story, email [email protected].

In this episode, we compare the strategies that work when investing in property in Australia and the New Zealand market. This comes after a listener of the show asked why some property experts in Australia recommend against investing in New Build properties. Whereas others in New Zealand favour investing in New Builds. We compare the different rules in Australia and New Zealand so you can decide how you want to start investing.

In this episode, we discuss what Kiwis need to know if they move to Australia. This includes what to do with your New Zealand properties and the different options you have. This includes a discussion on how to grow your NZ property investment portfolio before you move across the ditch and how to hang on to your properties in NZ.

In this episode, we discuss the dirty secrets of property spruikers. These businesses (primarily based in Australia) sell you bad property investment deals. We share their underhanded tactics to get people to invest and what's wrong with some of their deals. This includes businesses selling properties for more money than they are worth and even mortgage and bank fraud (on the part of the spruikers). Ultimately this episode will help you spot a property spruiker to avoid their high commissions and trickery.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How To Get The Bank To Say Yes ... Two Case Studies on Increasing Serviceability' with Ilse Wolfe from Opes Accelerate.

In this episode, we discuss a hidden tax that most Kiwis don't think about when buying a house with their parents. We all know about the Bright Line Test. That's New Zealand's version of a capital tax gains tax. And most of us also know it doesn't apply to the family home. But, if your parents buy your house with you, they could have to pay tax if you sell your property within the bright line. This is a tax most Kiwis won't be thinking about. But with mortgage brokers reporting that up to 50% of first home buyers get help from the Bank of Mum and Dad ... this is a tax you need to know about.

In this episode, we discuss whether it is harder to insure properties in Christchurch compared to the rest of the country. We go through the data to show which parts of the country are most likely to be hit by an earthquake and also look at how much insurance costs around the country. Ultimately this will let you make an informed decision about where to invest, and you'll also understand how much your house insurance could cost.

In this episode, we share a case study of a listener of the show who regrets paying down debt. We share how they sold a property and paid down their personal mortgage. This investor wanted to re-borrow against his home to purchase an investment property. But he decided to wait because it wasn't the right time to buy. When the investor was ready to grow his investment portfolio, his house value had dropped. That meant he couldn't get the money from the bank for the deposit. Ultimately he found himself saying, "I wish I hadn't paid down debt."

In this episode, we are joined by property investor and financial adviser Stevie Waring to discuss a case study of a couple who increased their income so they could start investing in property. This couple had a lot of bubblegum debt. That's credit cards, personal loans and car loans. This debt was holding them back from investing in property. So they increased their incomes by a whopping $52,000 so they could invest in property. This is the story of how they did it.

In this episode, we discuss the emotional rollercoaster of purchasing an investment property. As much as we all say "focus on the figures," … the truth is that feelings come into buying an investment property too. So in this episode, you'll learn all the emotions you'll face when you purchase an investment property. You'll also learn how to manage these emotions and the tactics you can use to get your head back in the game.

In this episode, we discuss whether Tauranga is a good place to invest (or not). We look at how quickly house prices have increased in Tauranga and which parts of Tauranga have seen the fastest capital growth. You'll also get a feel for where Tauranga is in its property cycle. Is it overvalued? Or undervalued? Ultimately, this helps you make an informed decision about whether you want to invest in the Tauranga property market (or not).

In this episode, we discuss what happens if you don't invest in property. This includes a discussion about which Kiwis need to invest and the idea that every New Zealander need a 'stop work plan'. That's a plan for what happens when you want to stop working. You'll find out the types of people who don't tend to invest and what life looks like if you just live on the NZ Superannuation.

In this episode, we discuss 'Split Banking'. This is a mortgage strategy where investors use multiple banks rather than just one. This strategy will help some investors grow their portfolios faster and protect their assets when they begin to sell down. We take you through both the pros and cons of this strategy so you can decide for yourself whether this is the right strategy for you.

In this episode, we are joined by Ilse Wolfe, a property investor who shares her renovation horror stories. This includes times when tenants have destroyed her properties and other times when renovation projects have become more time-consuming and expensive (through no fault of the property investor). Ultimately this will help you understand the problems that can happen when you renovate. And through this, you'll learn to avoid some of the common mistakes so that you can be a more successful property investor.