In this episode, we discuss how to spot the difference between a progressive payment and turnkey property. This is important for investors to know since progressive payment contracts come with hidden costs. However, telling the difference can be hard since developers will sometimes advertise their properties as 'turnkey' when they're not. This episode will help you tell the difference and find out what to look for when finding properties online.

In this episode, we discuss whether property investors, first-home buyers and homeowners need to use a mortgage broker. This includes discussing who will get value from using a mortgage broker … and who will get less value. We also discuss situations where Kiwis should not use a mortgage broker. Ultimately, this will help you decide whether a mortgage broker is the right fit for you and your financial situation.

In this episode, we do a live experiment to see if (and how) you can use ChatGPT and artificial intelligence to invest in property. We go through 4 different use cases and then decide whether the experiment was an epic win … or an epic fail. This includes: seeing whether property investors can use ChatGPT to create a target list of properties, whether it can analyse a property market, and if artificial intelligence can automate creating letters for your tenants. Ultimately this will help you understand how artificial intelligence could make being a property investor a bit easier.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'From Zero to 100k Building Passive Income Through Property' and how to start running the race with your own property portfolio.

In this episode, we rank the banks. This includes talking about 5 of the major banks in New Zealand (ANZ, BNZ, ASB, Westpac and TSB). We rank them in order of which banks are most willing to lend money based on their income criteria. For this, we are joined by two mortgage advisers – Peter Norris and April Hastilow, both from Catalyst Financial. Of course, this episode is based on the experience of the two brokers (and they don't always agree). And just because one bank might provide the "easiest" yes for one person doesn't mean it will be the same for another. Similarly, even if a bank has stricter lending criteria, it could still be the right fit for you. This episode aims to help you become a more informed investor, so you can appreciate that not all banks are the same.

In this epsiode, we discuss the New Build properties that Kiwis should stay away from. This includes what to look out for when you are searching for a New Build property on TradeMe. The main ones to look out for are: staying away from 1-bed properties and studios, staying away from expensive brand-name developers, watching out for leasehold properties, and also whether the property is turnkey or a progressive payments build. Ultimately this allows you to go into property investment with your eyes wide open, able to make a good investment decision.

In this episode, we discuss whether Dunedin is a good place to invest (right now). This includes a deep dive into the latest data for this student city, and a discussion about which parts of Dunedin could be good for investing. Of course, Dunedin has a lot of young students, which presents its own set of risks. So we talk through how you can handle some of those risks. Ultimately, this will help you decide whether investing in Dunedin is the right fit for you and your portfolio (or not).

In this episode, we compare progressive payments vs turnkey properties. We go through TradeMe to look at the hidden costs of purchasing a progressive payments build and how Kiwi property investors can tell the difference. This analysis shows that a 'seemingly' cheaper property can be more expensive simply because of the hidden costs not disclosed on TradeMe. Ultimately this helps you become a better property investor because you'll know what to look for when evaluating an investment property.

In this episode, we discuss the Reserve Bank's most recent increase in the OCR and how this will impact mortgage interest rates. We analyse the Reserve Bank's press conference and examine how house prices might change based on the bank's analysis. This provides clues about where the OCR may go and how it could impact your property investment strategy.

In this episode, we discuss how couples can get on the same page when it comes to property investment. No, that doesn't mean that one partner convinces the other that they should invest in property ... it's about deciding whether property investment is the right fit for you and your relationship. We go through why couples get into conflict when it comes to property and the 4 ways you can get on the same page. Ultimately this allows you to move forward together as a couple.

In this episode, we discuss how one leaky homeowner won over half a million dollars from her former building inspector. This homeowner thought she was doing the right thing. She was given a building report from the real estate agent and even called the building inspector to make sure the home wasn't leaky. When she moved in, she quickly realised ... it was. She took the building inspector to court and won! The most interesting part – she wasn't even the building inspector's client. She didn't pay them a cent. This is a fascinating case study as it turns some of our traditional advice on its head. This is a must-listen for first-home buyers, homeowners and property investors. Through this, you'll learn whether you need to hire a building inspection company (or whether you can now rely on one given by a real estate agent). You'll also learn what you need to look out for when buying existing properties.

In this episode, you'll hear from Ilse Wolfe, a property investor and coach from Opes Accelerate. Here, you'll learn how to build a power team for your property investment journey. This includes who you need in your team when you follow a renovation strategy, how to use them and what they cost. This includes how to work with builders, plumbers, electricians, plasterers and valuers. You can then use this information to plan your next renovations-based property investment project. Key topics: BRRRR, Power Team

In this episode, you'll learn the 5 things that investing in property could stop you from doing. If you borrow hundreds of thousands of dollars to purchase an investment property, the bank might not let you borrow money for other things. This could mean that investing in property stops you from upgrading or renovating your own home. Or it could stop you from borrowing for a new car, a holiday home or buying a business. This episode is to help you fully understand the choice you make when purchasing an investment property so you can make sure it is the right fit for you. Key topics: property investment, borrowing

In this episode, you'll learn the 3 main costs of investing in property. These include 1) the purchase price, 2) the cashflow of the property and 3) the set-up costs. You'll learn how a standard new build property typically costs between $550k – $1.1 million. However, the rent of this property won't cover all of the costs to own it. That's why investors need to top up their properties by $300 - $500 a week. On top of that, there are set-up costs, which investors typically need to pay $4k - $7k. Ultimately this will let you know how much you need to pay in order to buy and own an investment property. Key topics: cost to invest, set up costs, cashflow

In this episode, you'll hear a case study of an investor who owns 3 rental properties ... despite the fact that she's single. While this investor was doing well, her properties were losing about $770 a week due to interest deductibility tax changes. You'll hear how she plans to restructure her portfolio to turn things around. The strategies we discuss are: selling a property, using an interest-only mortgage, and buying a property with better cashflow. Want to forecast the cashflow of your investment property? Download a copy of the ⁠Opes Partners Return on investment spreadsheet⁠ for free. Key topics: interest deductibility, case study

In this episode, you'll uncover the truth about dual-income houses. You'll learn both the pros and the cons, so you can decide whether they are the right fit for you. This includes how dual-income houses have higher rental yields and lower risk of vacancy. But you'll also hear the flip side. This includes the higher purchase price, the possibility of lower capital growth, and the unique challenges of reselling such properties. You'll also explore who these properties are a good fit for. This includes the different scenarios dual-income houses can be used in, like multi-generational living and Airbnb rental opportunities. By the end, you'll be able to make an informed decision about whether dual-income properties are the right fit for you. Key topics: dual key apartments, dual income properties, high yield properties

In this epsiode, you'll hear a compelling case study about how a tenant contested a heft $ 100-a-week rent increase. This case ended up at the Tenancy Tribunal. Get the full scoop on both the tenant and landlord's arguments, the backstory, and the Tribunal's ruling. You'll also learn what you need to know when increasing the rent on your investment properties. That way, you'll better understand the dynamics of the property market, rental laws, and maintaining a good relationship with your tenants. Key topics: rent increases, increasing rent, tenancy tribunal, case study

In this episode, we discuss the most recent budget released by the government. We talk about the new 39% tax rate for trusts and what this means for property investors. This includes a run-down on whether trusts still make sense. You'll also learn whether you should use a look-through company instead. The epsiode also goes through why the taxes won't harm high-income trusts. Instead, loss-making trusts are the ones who will feel the brunt of the tax change. Many investors will raise an eye brow when they hear how the new tax works with interest deductibility. Together the two rules will harm some property investors.

In this episode, we discuss how the cash deposit you put into a property impacts its cashflow. You'll hear the numbers, including how much cash you'd need to put into a property to make it cashflow neutral. And how the yield of the property impacts this. This gives you a sense of whether you should put a cash deposit into a property or not.

In this episode, we are joined by Kirstie Winter from Good Title to discuss how you can cash in on converting your cross-lease property. This includes why cross-leases exist, how much it costs to convert a cross-lease property to freehold, and how much your property could increase in value after the conversion is complete. We also let you in on who typically pays for the conversion (is it you and your neighbour, or just you?) Ultimately, this is to let you know the pros and cons of converting your property, the process and what it involves. That way, you can decide whether it is the right fit for you (or not).

In this episode, we discuss whether we are at the bottom of the market and the 6 graphs that you need to see if you're wanting to understand the New Zealand housing market. This is based on a recent episode we did with economist Tony Alexander, where Tony shared which data (and graphs) you need to look at to build your own property investment analysis. We share these graphs and show you exactly where to get the data from (for free).

In this episode, we are joined by Ilse Wolfe to discuss a case study of an investor who purchased a property for less than $300k. We talk through where the property was, the condition it was in, and how long it sat on the market. So if you're looking for a screaming good deal as a renovations-focussed property investor, this is the episode to listen to. Ilse also walks us through what renovations the investors did ... and how much money they made.

In this episode, we discuss the bright line test and 2 investors who would accidentally have to pay about $66k in tax. This includes some of the more technical aspects of the bright line, including how the IRD treats subdivisions, flipping your family home and selling a holiday home. Ultimately, this helps you better understand how much tax you might have to pay when buying and selling properties.

In this episode, we discuss some of the new build lending secrets that property investors have to know. This includes the key risks that you need to avoid (or manage) as a property investor … and what the banks are offering you. We discuss why you might need to pay a valuer for a completion certificate ... and why you must know about pre-allocated titles. While seemingly technical and boring, these could save you hundreds of thousands of dollars if used right.

In this episode, we discuss whether billionaires really do pay less tax than the rest of us. This comes from a recent report from the IRD that suggested that the average high-net-worth individual pays less than 9% in tax. Whereas a person earning $80,000 would pay 22% in income tax. We discuss how the IRD came to this conclusion and whether their conclusions are sound. Ultimately, this helps you better understand and interpret the media headlines.

In this episode, we are again joined by Tony Alexander, an independent economist, to discuss how to create your own DIY property market analysis. Of course, if you want to get to grips with the property market, you can read commentary from the likes of Tony. But, what if you want to explore the data yourself? That's where you can use these tips (and free data) to dig into the details and understand what's happening in property.

In this episode, we are joined by independent economist Tony Alexander to discuss what he thinks will happen to interest rates over the next year (and beyond). This includes a prediction that longer-term rates have already peaked and are currently on their way down. He also suggests that the 1-year rate is at (or very near) its peak and will likely be around 6.25% by the same time next year before dropping back to about 5.25% the year following. This depends on what happens to inflation and the Reserve Bank's actions.

In this episode, we are joined by independent economist Tony Alexander to discuss what he thinks will happen to house prices over the next few years. This includes his prediction that house prices will bottom out in Winter (somewhere between June and August). He talks us through how quickly the house price recovery could happen and the factors that could impact house prices. Ultimately this lets you make an informed decision (as a property investor) about whether now is the right time to invest (or not).

In this episode, we discuss what property investors need to know about borrowing against a property they own with other people. This specifically includes a discussion about how to borrow against a property that has been inherited in conjunction with other members of your family. We go through the pros, cons and technicalities of borrowing against a shared property and what permission you need to get from your fellow co-owners. You'll also learn what steps you can potentially take to free up equity against a co-owned property.

In this episode, we discuss whether property investors should consider buying a rental property in a 'dodgy' area. This includes a discussion of what a 'dodgy' area is and both the pros and cons of investing in one of these areas. We also mention which suburbs might have attractive opportunities and which ones we would steer away from. Ultimately this lets you make an informed decision about whether to invest in an area that some might be considered 'dodgy'.

In this episode, we discuss the new Medium Density Residential Standards (MDRS). These are a set of new rules that make it easier for property investors to develop their land. The new rules allow investors and homeowners to build up to 3 units on any piece of land (as long as you meet the standards). But are the rules as simple as they seem? And what are the opportunities and fishhooks to look out for? Hamish and Reuben Frizzel join us from Survus Landsurveyors for this. Just a note, we don't have sponsored guests on the show ... and we don't charge expert guests to come on the show. We only bring people on as guests if we think they'll teach you something new to help you become a better property investor.

In this episode, we discuss when a car loan may actually be a good idea. On the show, we often rail against car loans, calling them bubblegum debt and suggesting that they're not a good idea. Here, we argue the opposite and share some situations where car loans could actually help investors grow a portfolio. Ultimately, this helps you get a sense of whether a car loan may actually help you become a property investor sooner.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'The 8 new rules of property investment' and what they mean for property investors and first home buyers. We also unveil the latest research tools on our website: the Data Hub.

In this episode, we rank the top 8 new rules that have been introduced to the property market over the last 5 years. These include debt-to-income ratios, loan-to-value-ratio restrictions, interest deductibility and 5 more changes. We let you know which ones are the most important and the impact they have had on the property market. You'll also hear how you can adapt your property investment strategy to keep growing your portfolio. Ultimately, this helps you become a more successful property investor.

In this episode, we discuss how Ed rented his property in 7 days. This includes which property he bought, what it rented for, and how it rented so quickly. You can then use the same tactics to get your properties rented as quickly as possible. This includes: renting your property 1-week before settlement, using clear photos, presenting the property as it is (i.e. not with furniture if there's no furniture) and making it easy for tenants to get in contact.

In this episode, we discuss the new LVR rules that have just been announced by the Reserve Bank. These changes make it easier for some owner-occupiers to borrow with a lower deposit. But, the big change is that investors purchasing existing properties will soon be allowed to purchase with a 35% deposit rather than a 40% deposit. While that change sounds small, the outcome is impactful. We go through an example of how some investors can borrow an extra $214k after the changes have been announced.

In this episode, we are joined by property investor Ilse Wolfe. Here, she shares the situations where you might need to fire your tradie. She walks us through a case study of where she's had to fire a tradie and where she's decided to bite the bullet and keep them on. Ultimately this helps you become a more successful property investor by showing when and how to fire a tradie so your renovation project stays on track.

In this episode, we discuss how you can make money by using a subdivision strategy. This includes how much your property might go up in value by when you subdivide and how much subdivision can cost. Ultimately, this allows property investors to understand whether subdivision might be the right strategy for them. Hamish and Reuben Frizzel join us from Survus Landsurveyors for this. Just a note, we don't have sponsored guests on the show ... and we don't charge expert guests to come on the show. We only bring people on as guests if we think they'll teach you something new to help you become a better property investor.

In this episode, we discuss the 4 most common problems with real estate agents and how to fix them. According to polling data from Roy Morgan, only 5% of Australians consider real estate agents to have "very high" or "high" ethics and honesty. This makes real estate agents one of the least trusted professions. While there isn't similar data available in New Zealand, it's probably fair to assume that the numbers would be similar in New Zealand. So if Kiwis don't trust real estate agents, what are the reasons why? What are the problems Kiwis run into when using a real estate agent? And how do they fix them? That's what this episode is about. For this, we are joined by Micky Limmer, a real estate agent from Opes Property.

In this episode, we discuss what property investors and first home buyers should do if they buy a new build property … and then the developer shuts their company down (liquidates). This is because often after a developer is finished building a project, they will put the company into liquidation. However, this leaves investors thinking, "what happens if there are defects with my new build investment property?" You'll learn who you sue and, ultimately, how to make sure that your new build is put right (if there is a defect).

In this episode, we discuss what our fathers (and mothers) taught us about money and property and what they got wrong. Our parents shape many of our thoughts, attitudes and beliefs about money. Some of the lessons they teach us will be spot on and help us for the rest of our lives. Some of the things we learn can hold us back. Through this, you should consider what your own parents taught you about money and how they've shaped your thoughts about property. Chances are some of the lessons you learned will help you. Though some may also be holding you back.

In this episode, we discuss the 5 largest tenancy tribunal cases in the last 5 years. Collectively these 5 landlords were fined $284,000. You'll learn why these investors had to pay their tenants so much money and the mistakes you can avoid so you don't have to pay such hefty fines. Ultimately, this will help you become a better property investor by showing you what not to do as a property investor.

In this episode, we discuss whether the war on inflation is over. Economists were shocked when Statistics NZ recently released data showing that the rate of inflation has fallen to 6.7%, down from 7.2%. We go through the numbers to show the impact on interest rates and what it all means for property investors, homeowners and mortgage borrowers. We also talk about why the number might not be as good as it first seems – and go through the differences between tradeable (imported) and non-tradable (domestic) inflation.

In this episode, we discuss whether the mortgage strategy 'channelling' actually can shave 20 years off your mortgage. Recently we've seen more and more mortgage brokers talking about how to pay off your mortgage more quickly … and promoting jaw-dropping results. Paying off your mortgage more quickly is a good idea ... but can it really be done without making extra repayments? That's what some mortgage brokers claim. We delve into the data and the spreadsheets to put the claims to the test. Ultimately this will help you become a better property investor and have a better understanding of the strategies that actually help you become mortgage-free sooner. Additionally, use this mortgage calculator to find out what your repayments will be.

In this episode, we discuss the 4 rookie mistakes investors make when negotiating with a real estate agent. This will help you when you are trying to beat the real estate agent on price and get the best deal on an investment property. Ultimately, this will put you in a position of power, so you can be a successful property investor (or first home buyer). For this discussion, we are joined by Micky Limmer, a real estate agent from Opes Property.

In this episode, we discuss the Sell 1 to Buy 2 Strategy. This is where, in some cases, property investors can sell a property from their portfolio … and then purchase 2. This is like taking a step back to take 2 steps forward. We go through which property investors can use this strategy and why and how this strategy works. Ultimately, this will help you make an informed decision about whether you need to sell a property from your portfolio.

In this epsiode, we discuss the First Home Partner programme. This is a government programme that allows first-home buyers to purchase a property with just a 5% deposit. We discuss who is eligible for the programme and also how you practically apply and use it. This lets first-home buyers get a sense of whether this could be the way to get their first house.

In this episode, we discuss whether more builders and developers are about to go bankrupt. This is based on the recent case of Scarbro, a builder located in Auckland. The company recently folded, and some property investors are wondering whether more developers are likely to fold in the future. We discuss the risk of 'contagion' and whether this could cause flow-on effects for other developers.