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Opes Partners
The Property Academy Podcast is a daily show that gives you insight, analysis and strategies for how to get the most out of the NZ property market.
That's whether you're an existing or aspiring property investor, you want to get into your first home, or you're just interested in the property market.
Andrew Nicol and Ed McKnight host the podcast. Andrew is the Managing Partner of Opes Partners and a prolific investor himself. Ed is an economist. https://www.opespartners.co.nz/investment/property-investment
Legal Stuff: https://www.opespartners.co.nz/disclaimer-youtube-podcast-webinar
Tony Alexander: What's happening in the property market? ⎥ Ep. 1850
In this episode, we are joined by Tony Alexander, an independent economist.
He talks us through what's happening in the NZ property market and what he's seeing in his surveys.
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17:3604/10/2024
How much money you should have by age (net worth + income) ⎥ Ep. 1849
In this episode, we discuss how much money you should have based on your age.
This includes what your income and net worth should be based on the median New Zealander your age.
We also introduce the Wealth Equation, which comes from The Millionaire Next Door.
It's a simple guide to get a feel for whether your on track for how much money you 'should' have.
We also mention our new app, Opes+, click the link to try it out.
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13:2903/10/2024
Why is house insurance 30% more expensive?! ⎥ Ep. 1848
In this episode, we discuss why house insurance is so damn expensive!
Most house insurance is becoming up to 30% - 40% more expensive.
This is because of the Auckland floods and Cyclone Gabrielle. Insures feel that they've under-priced risk in New Zealand.
So they are readjusting the costs.
We also mention our new app, Opes+, click the link to try it out.
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12:2202/10/2024
What's the minimum insurance I can get away with an investor? ⎥ Ep. 1847
In this episode, we discuss the minimum amount of insurance you can get away with as a property investor.
This includes the Risk Reducer plan that we've come up with.
That way you can see the bare minimum life insurance, trauma insurance and income protection insurance we think you need.
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16:1801/10/2024
Should I break my interest rate to get a cheaper rate? [Break fees] ⎥ Ep. 1846
In this episode, we discuss whether you should break your fixed interest rate to lock in a lower rate.
We discuss the break fees you'd have to pay ... and whether that lower rate is worth it.
We also mention our new app, Opes+, click the link to try it out.
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11:1730/09/2024
What's a good cashflow for an investment property in 2024? ⎥ Ep. 1845
In this episode, we discuss what a good cashflow looks like for an investment property in 2024.
Lower interest rates are improving cashflows property investors. But that doesn't mean that investment properties are printing money.
So we go through a couple of cashflows to give you a sense about what's realistic in 2024.
We also mention our new app, Opes+, click the link to try it out.
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13:1329/09/2024
"I got cancer at 32 ... and beat it. Now we're mortgage free" [Case Study Sunday] ⎥ Ep. 1844
In this episode, we are joined by Jason and Amber for another case study Sunday.
Amber shares her brave story about how she got cancer in her 30's ... twice.
She beat it both times.
Throughout their journey they've invested in property and are now mortgage free, living in Papamoa.
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27:1328/09/2024
How to find the best places to buy a house (free data) ⎥ Ep. 1843
In this episode, we discuss how to find the best areas to invest in.
This includes how to use our new Area Analyser tool to get free data. Click the link to try it out.
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14:0227/09/2024
How much money can I make investing in property? ⎥ Ep. 1842
In this episode, we discuss how much money you can potentially make investing in property.
That includes how much investors have made in the past, and the different ways you can make money in the future.
We also mention our new app, Opes+, click the link to try it out.
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10:0726/09/2024
NZ property market update – Are property prices up? ⎥ Ep. 1841
In this episode, we give an update on the New Zealand property and housing market.
This includes where house prices are rising and falling. And whether it is getting easier or harder for investors to find good tenants.
We also mention our new app, Opes+, click the link to try it out.
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13:0325/09/2024
[Review] Housies: $100 to buy a piece of property. Truth or scam? ⎥ Ep. 1840
In this episode, we discuss Housies, a new app and website where you can buy a piece of property for as little as $100.
We dig through the details to see if fractional ownership is legit, or whether it'll flop.
We also discuss previous proportional ownership schemes in New Zealand and where they are now.
We also mention our new app, Opes+, click the link to try it out.
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12:5024/09/2024
How to diversify your property portfolio (the right way) ⎥ Ep. 1839
In this episode, we discuss how to diversify your property portfolio, the right way.
This includes how to get better returns while taking the same risk.
We also mention our new app, Opes+, click the link to try it out.
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14:5523/09/2024
5 steps to spot a dodgy developer: here’s what to do ⎥ Ep. 1838
In this episode, we discuss the 5 steps property investors can take to spot a dodgy property developer.
This includes the 5 searches you can do online to protect yourself as a property investor or first home buyer.
We also mention our new app, Opes+, click the link to try it out.
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14:0322/09/2024
"It took 10 years to buy our 1st investment property" [Case Study Sunday] ⎥ Ep. 1837
In this episode, we are joined for another Case Study Sunday by Marcus Sonntag.
Marcus shares how it took him 10 years to buy his first investment property.
But, he's finally done it. He shares what got him across the line.
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15:1021/09/2024
Warren Buffett, Jeff Bezos, and Nick Mowbray's best investment quotes - What property investors can learn ⎥ Ep. 1836
In this episode, we discuss Warren Buffet, Jeff Bezos and Nick Mowbray's best investment quotes.
That includes what property investors can learn ... and how to apply it in today's market.
We also mention our new app, Opes+, click the link to try it out.
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12:5720/09/2024
Future of NZ house prices with Kiwibank chief economist – Jarrod Kerr ⎥ Ep. 1835
In this episode, we discuss the future of the NZ housing market and house prices with Kiwibank's chief economist, Jarrod Kerr.
And as mentioned here is the link to the economics section of the Kiwibank website.
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22:2319/09/2024
Good tenant vs bad tenant: Warning signs to look out for ⎥ Ep. 1834
In this episode, we discuss the difference between good and bad tenants.
This includes the warning signs to look out for if you are self-manging your investment property.
We also mention our new app, Opes+, click the link to try it out.
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10:4118/09/2024
Bonus: How much money can I make from property? [How to actually run the numbers] - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'How much money can I make from property? [How to actually run the numbers]', and shared our new Area Analyser and our app Opes+.
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01:26:4517/09/2024
5 years of the Property Academy Podcast 🎉 [5th anniversary special] ⎥ Ep. 1833
In this episode, we celebrate 5 years of the Property Academy Podcast.
We look back at some of our most popular episodes and some of the highlights from the last 5 years.
We also look back at what we set out to achieve ... and whether we've done it.
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14:5117/09/2024
How long will it take to sell my house? ⎥ Ep. 1832
In this episode, we discuss how long it takes to sell a house in New Zealand.
This includes the time it takes to get a property ready for sale, how long it might be on the market, and when you get paid.
This is so property investors and homeowners can know how long it might take to sell your home.
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11:5216/09/2024
Investors vs first home buyers: are investors buying all the houses? ⎥ Ep. 1831
In this episode, we compare investors and first-home buyers to see if investors are buying all the houses and stopping first-home buyers from getting into the market.
We look at the data and find the investors and first home buyers tend to increase their purchases at the same time.
They are positively correlated. When investors buy more houses, first home buyers tend to buy more houses too.
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12:1315/09/2024
"32 years later, I'm a full time landlord" – [Case Study Sunday] ⎥ Ep. 1830
In this episode, we are joined by Peter Lewis, the Vice President of the NZ Property Investors Federation.
Peter shares how began investing in property in 1991 and what he's doing it for.
He also shares what he looks for in a property and why property managers don't charge enough.
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24:1214/09/2024
Properties in the future – What will we want in 2034? ⎥ Ep. 1829
In this episode, Stuart Donovan from Motu joins us to discuss what properties New Zealanders will want in the future.
Stuart talks about the move towards 'quality compact', which is driven by both rising incomes and fewer people living per household.
This is important for properties, as we want to invest in properties that are needed and will be desired in the future.
And as mentioned in this episode, you can see Stuart Donovan's research over on the Motu website.
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22:0313/09/2024
Q+A – Your property questions answered ⎥ Ep. 1828
In this episode, we answer your questions about how to grow a property portfolio and get money from the bank.
This is based off the questions asked at our recent website, which you can watch or listen to here.
And we also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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17:0712/09/2024
[Review] Mary Holm: Is her advice any good? ⎥ Ep. 1827
In this episode, we discuss some advice recently given by financial journalist, Mary Holm.
We go through a situation she brings up in her column. We go through the numbers to see whether we agree (or not).
We also play clips from Mary to share what she really thinks about property.
And don't forget to join us for our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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18:2211/09/2024
How long does it take to find a tenant – Vacancy rates revealed ⎥ Ep. 1826
In this episode, we discuss how long it takes to find a tenant.
This includes how much vacancy you can expect as a property investor and what our team at Opes Property Management are seeing.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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16:0410/09/2024
Can I still invest if the numbers look bad? ⎥ Ep. 1825
In this episode, we discuss whether you can still invest in property even if the numbers look bad (in some respects).
As an example, we look at Queenstown. Our numbers suggest that Queenstown looks overvalued. But, are there other numbers that make it look better?
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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13:2209/09/2024
What does a good investment property look like? ⎥ Ep. 1824
In this episode, we discuss what a good investment property looks like.
This includes how a good investment property changes depending on your strategy.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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15:2608/09/2024
"I just live off the rent from my properties" – Case Study Sunday with Kerry Beveridge ⎥ Ep. 1823
In this episode, we are joined by Kerry Beveridge for another Case Study Sunday.
Kerry talks about how he is able to be a full time property investor. He lives off the rent from his properties and spends time with his kids.
He shares his story about how he's done it.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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14:4007/09/2024
When will it finally be easier to get a mortgage? ⎥ Ep. 1822
In this episode, we discuss when it will finally be easier to get a mortgage.
We look at the 5 different factors that impact how easy it is to get a mortgage.
So you can get a sense of when it might become easier for you.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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14:5006/09/2024
Tiny home saves couple $10,000+ – Here's how ⎥ Ep. 1821
In this episode, we are joined by Michael and Hilde to discuss their property investment strategy.
That includes how a tiny home is helping them save thousands of dollars so they can invest even more.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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15:4705/09/2024
Banks with the best maternity leave policies ⎥ Ep. 1820
In this episode, we discuss which banks have the best maternity leave policies.
This is for any expectant mums and dads who still want to get a mortgage. That's whether you want to buy your own home or an investment property.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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14:1504/09/2024
Is now a good time to invest in property? ⎥ Ep. 1819
In this episode, we discuss whether it's a good time to invest in property.
We dig through the 4 main factors that determine whether it is a good time to invest.
We analyse each point so you can determine whether it's the right time to invest for you.
We also mention our upcoming webinar 'How much money can I make from property? [How to actually run the numbers]' it's on Tuesday September 17th at 7pm. Click the link to register.
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15:5303/09/2024
BNZ scraps higher interest rate for first home buyers ⎥ Ep. 1818
In this episode, we discuss how BNZ has just scrapped their standard interest rates, that sometimes force first home buyers to pay more for their mortgages.
We discuss whether the devil is in the detail, and what first home buyers and property investors need to know.
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09:2802/09/2024
How long do I need to own my property to make money? ⎥ Ep. 1817
In this episode, we discuss how long you need to hold your property for to make money through property.
This includes the average years people own their properties for when the sell and make money ...
And the average time people hold their properties for when they lose moeny.
Through all this, we see the principle that the longer you own your property for ... the more likely it is that you make money through property.
These numbers are based on Core Logic's pain and gain report.
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11:5901/09/2024
Paying down debt vs investing – what's better? [Case Study Sunday] ⎥ Ep. 1816
In this episode, we are joined by Dean Gordon for another case study Sunday.
Dean featured on the podcast almost 4 years ago. Back then he was thinking about whether to pay down debt or invest.
We ran through the numbers. And now we're catching up with him to see how it's all gone.
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18:2231/08/2024
How many investment properties can I buy in 15 years? ⎥ Ep. 1815
In this episode, we re-cap our most recent webinar and discuss how many properties an investor can reasonably buy over 15 years.
We go through 2 situations to show you how it really depends on how big your income is.
This gives investors (for the first time) a good sense of how fast they can grow their property portfolios.
We mention our previous webinar '5 houses in 5 years: How many houses can I actually buy before I retire?' click the link to watch.
Or if you prefer to listen the audio version is here.
To register for our next webinar 'How much money can I make from property? [How to actually run the numbers]' click the link to sign up.
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12:5330/08/2024
Interest rate fight: Which bank is the king of cuts? ⎥ Ep. 1814
In this episode, we discuss which bank is the king when it comes to interest rate cuts.
This is part of our launch of the Opes OneRoof Cut Counter.
This shows you which banks are cutting their interest rates most, and how far rates are have dropped.
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10:1129/08/2024
6 months vs 1 year: How long should I fix my interest rate for? ⎥ Ep. 1813
In this episode, we discuss how long you should fix your mortgage interest rate for.
Is it better to go for 6 months, 1-year, 18-months or something else.
We dig through the numbers so first home buyers and property investors can make the right decision for them.
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12:5828/08/2024
Retention cash: How to get free money from your bank ⎥ Ep. 1812
In this episode, we talk about how to get free money from your bank.
It's called retention cash. It's a type of cashback where your banks rewards you for your loyalty (as long as you don't move away).
We talk about how much you can get, what the catch is, and whether it is worth it.
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08:0827/08/2024
What tenants really want – Consumer NZ research revealed ⎥ Ep. 1811
In this episode, we are joined by Gemma Rasmussen from Consumer NZ.
Gemma shares the results from Consumer NZ's research about what tenants really want.
This includes their concerns, worries and fears when it comes to renting properties.
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15:3426/08/2024
How fast will house prices go up? [2024 and beyond] ⎥ Ep. 1810
In this episode, we discuss how fast house prices may go up over the long term.
This includes what property investors can reasonably expect when they invest in property.
We share what data to look at (and what data not to look at), when forecasting your property investment returns.
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15:0225/08/2024
"I bought 4 houses in 1 year. Here's how" – [Case Study Sunday] ⎥ Ep. 1809
In this episode, we are joined by David, a property investor and listener of the show.
David shares the story about how he bought 4 houses in a single year and now rents them our on AirBnb.
He shares what he's learned and how he did it. All so you can get more ideas for your property investing strategy.
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20:5924/08/2024
What makes more money? Bedroom vs bathroom renovation ⎥ Ep. 1808
In this episode, we discuss what makes property investors more money – a bedroom or a bathroom renovation.
We dig into the latest data from the new CoreLogic House value index, which tells us what really increases the value of properties.
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11:2823/08/2024
How to make cheeky offers on properties to get a good price ⎥ Ep. 1807
In this episode, we discuss how property investors and first home buyers can put in cheeky offers for properties.
This includes how to get a low price, how to get your offer accepted ... and how to put in a cheeky offer the right way.
We also mention Steve Goodey's upcoming Property Bootcamp
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14:3322/08/2024
OCR down – interest rates slashed. How low will they go? ⎥ Ep. 1806
In this episode, we discuss the Reserve Bank's recent OCR cut.
We talk about the impact on interest rates, how low they will go and what it all means for property investors.
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15:4321/08/2024
Bonus: 5 houses in 5 years - How many houses can I actually buy before I retire? - Webinar audio
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at '5 houses in 5 years - How many houses can I actually buy before I retire?'.
For more from Opes Partners:
Sign up for the weekly Private Property newsletter
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01:24:3520/08/2024
Private school vs invest in property – what's right for me? ⎥ Ep. 1805
In this episode, we compare and contrast sending your kids to private school vs investing in property (and giving them the money).
This includes different ways that property investors use property to send their kids to good schools and what you need to think about when it comes to giving your kids the best start in life.
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13:4620/08/2024
Sudden money – What NOT to do when you suddenly get money ⎥ Ep. 1804
In this episode, we discuss Sudden Money, and how to make your money last when you suddenly get a lump sum of cash.
This isn't just useful for Lotto winners. This is useful for business owners who sell their businesses, farmers who sell their farms, and all property investors who will eventually sell their properties.
And don't miss our webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on tonight, Tues 20th August at 7pm. Click the link to register.
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15:3519/08/2024
Where to buy a house under $500k – the places with the highest chance ⎥ Ep. 1803
In this episode, we discuss the areas in NZ with the highest chance of buying a house for $500k or less.
This includes which areas have houses for less than $500k and what sort of house you can buy.
And don't miss our upcoming webinar '5 houses in 5 years: How many houses can I actually buy before I retire?', on tomorrow night, Tues 20th August at 7pm. Click the link to register.
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13:0118/08/2024