In this episode, we answer property investors' questions from around New Zealand that were asked at our most recent property investment webinar. This includes questions from how banks treat self-employed income to how interest-only periods work. We also mention that we have just released The Ultimate Guide to Interest Only Mortgages video, which you can watch on our YouTube. Click the link to watch.

In this episode, we discuss whether a listener of the show – and fellow property investor – should sell their property in Australia and invest in New Zealand. This includes a deep dive into the Australian property market, and the considerations this investor should think through before selling and purchasing property. We also mention that if you'd like a complimentary Portfolio Planning session, click the link to learn more and request your session.

In this episode, we discuss whether the Auckland housing and property market is munted. This includes arguments both for and against the idea that the country's largest housing market is in severe decline.  This includes everything property investors should consider before investing in the city.  This includes an analysis of population growth, how economic factors tend to move in cycles, and what's in store for Auckland's economy. We wrap up the episode by mentioning that if you want to come in for a complimentary Portfolio Planning session, we'd love to see you. Click the link to find out more and request your session.

In this episode, we discuss what happens when a property investor or owner occupier misses a repayment on their mortgage.  This includes the bank's process and at what point they'll force you to sell your property.  We also talk through the different options you have if this should happen to you. The first step of which is to talk to a mortgage adviser – even if you don't already use one.  If you are looking for a recommendation, we mention that you might like to consider our mortgage advisory firm, Catalyst Financial.

In this episode, we discuss are joined by property partner and financial adviser – Maxine Clason-Thomas – to discuss a case study of one of her investors.  Here, Maxine shares how the investors will use property to achieve their financial goals. This includes the process of how they figured out what their wealth gap is, how many properties they'll need and how this couple got started in property. 

In this episode, we discuss whether Williams Corporation properties are good investments. This includes a breakdown of both the pros and cons of investing in a Williams Corp property. On the positives, we discuss their affordability compared to standalone homes, their use of space and the fact that the company has the size and scale to ensure that properties do get built.  On the flip side, they are more expensive than other new build townhouse developments; they often have poor cashflow because of their high prices and some investors question how quickly they'll increase in value. For Apple – IC12340

In this episode, we discuss why we get booms and busts in the property market, and what property investors need to know about the psychology of the market. This includes a rundown of the boom, peak, downturn and trough phases of the property market and what investors are thinking at each phase. Ultimately this will allow you to manage your own psychology so you can make informed investment decisions.

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' For Your 1st (or next) Investment Property" and the six strategies you can use to give you a better chance at getting that mortgage. Click here to download the spreadsheet we share at the webinar and the bonus mortgage playbook.

In this episode, we discuss what property investors need to know about ANZ's new servicing test rate. We go through what servicing test rates are and how they are used. And then, we reveal how much less you can borrow due to the change (about 6-8% less according to our numbers).  We also mention our new investment-ready spreadsheet, which you can use to estimate how much you can borrow and when you might be ready to purchase your next investment property. Click here to download the new spreadsheet.

In this episode, we discuss the hard decisions that these property investors need to make. We dig through their personal circumstances and their biggest challenges right now.  This includes whether the couple should sell their dream home to pay down debt, pay back their family and get ahead in investment.

In this episode, we discuss how the major banks set their interest rates. This includes a breakdown of where banks get their funding and the peculiar reason why bank funding costs went down during covid. We also go through some of the basics that property investors need to know, like the net interest margin and how this has changed over time. We wrap up the episode by mentioning our upcoming property investment webinar, which is on the day this podcast is released – Tuesday 10th May at 7pm. Click the link to register.

In this episode, we go through a case study of a property investor who is currently selling their rental. In this case, the investor had an offer, but countered and the buyer walked.  6 weeks later and they are still without a buyer. We discuss what the investor can do in this situation and why the buyer may have walked.  We also mention our upcoming property investment webinar, which is happening this Tuesday at 7pm. Click the link to register. 

In this episode, we discuss a case study of a property investor who plans to use property to fund their retirement lifestyle.  We go through their goals, how on track they were before property ... and the exact steps that they'll use to hit their goals using real estate.  Want help building a Wealth Plan? Book your own complimentary Property Portfolio planning session here. Click the link to request a session.

In this episode, we discuss what property investors need to know about inflation and how it will impact their property investment portfolios. We go through how the Reserve Bank can influence and control inflation and what they really mean when they make scary speeches and predictions about the New Zealand economy. We also mention our upcoming property investment webinar, which is happening this Tuesday at 7pm. Click the link to register.

In this episode, we discuss two different approaches to use investment properties to fund your lifestyle – the Nest Egg and the Golden Goose. We discuss what is involved in the two strategies, how they work and the pros and cons of each. Ultimately this allows you to figure out how you might use property to fund your lifestyle. We wrap up the episode by mentioning our upcoming property investment webinar, which is on Tuesday 10th of May at 7pm. Here you'll learn the 6 strategies you can use to turn the bank's 'no' into a 'yes'.

In this episode, we compare the fees charged by real estate companies around New Zealand. This includes Bayleys, Harcourts, Ray White, Barfoot and Thompson and many other large real estate firms. We give an honest breakdown of the fees charged, and introduce our own modelling so you can get a sense of how the different companies compare. We also mention our upcoming property investment webinar, which is happening on Tuesday 10th May at 7 pm. You'll learn the 6 mortgage strategies property investors can use to keep borrowing from the bank.

In this episode, we discuss whether you should Airbnb your investment property and when Airbnb will be fully back up and running in the New Zealand market. We also run a cashflow comparison between Airbnbing your property and renting it out on the long term rental market. We also mention our upcoming property investment webinar, which is on Tuesday 10th May at 7pm. You'll learn the 6 strategies you can use to get the bank to say yes to your mortgage application.

In this episode, we discuss whether property investors should consider Cromwell as a place to invest. This is based on an honest, data-driven analysis of this tiny town.  We dig into the potential population growth in Central Otago, the industries that support the town and analyse whether property prices are over or undervalued in today's market. We also mention that we have our upcoming property investment webinar, which is happening on Tuesday 10th May at 7pm. Click the link to register.

In this episode, we reveal where house prices are falling fastest right now ... and what property investors need to know.   This includes a deep dive into the variation in house price movements – for instance, which areas are falling, and which are holding or improving their value.  Want to dig more into the data? You can explore the data for yourself by digging into the interactive maps we created for this episode. 

In this episode, we discuss a case study of a pair of investors who Andrew has recently worked with.  We walk through what the investors wanted to achieve for their retirement. Then we share how they'll use property to achieve these retirement goals.  Ultimately this will allow you to figure out how you might use property to achieve your life goals.  Want Andrew or the team to create a Wealth Plan for you? Learn more about our Wealth planning service here.

In this episode, we discuss whether you, as a property investor, can really buy a property undervalued. This includes a discussion about what instant equity is and whether you can really create it in today's market. We also mention our upcoming property investment webinar, which is happening on Tuesday 10th of May at 7pm. Click the link to register.

In this episode, we discuss whether dual key apartments are a good investment. This includes who they might be the right fit for and who they could be the wrong fit for.  We also share the sort of gross yield you should expect to receive from a dual key apartment (or dual key townhouse) and how these multi-income investments work.  The show wraps up by mentioning our upcoming property investment webinar, which is on Tuesday 10th May at 7pm. Here, you'll learn the 6 strategies that you can use to get Investor Ready.

In this episode, we discuss the 7 strategies that property investors can use to manage their top-up as interest rates rise.  That's because as the banks hike interest rates, more properties will become negatively geared. That's going to mean many property investors are going to need to set aside money to keep their property's bank accounts in the black.  As well as sharing the 7 strategies, we also mention that you can download our revised spreadsheet for free ... which allows you to figure out whether you could debt-finance a portion of these contributions.

In this episode, we discuss what property investors need to know about off-market deals in today's market. This includes what they are and where to find them. Andrew shares his experience of finding off-market deals and the sort of money he's been able to make. We also share the top mistakes that you need to avoid. We also mention that we'd love to see you at our property investment webinar, which is coming up on Tuesday 10th May at 7pm. Click the link to register. And remember you can find any previous episode using the podcast catalogue.

In this episode, we discuss how the bank views your mortgage application and how property investors can continue to grow their property portfolios ... even as interest rates rise and bank criteria tightens. We go through the 7 strategies you can use to counteract tougher banking criteria so you can continue investing. We also mention our upcoming property investment webinar, where you'll learn the 6 strategies you can use to continue growing your portfolio. Click the link to register.

In this episode, we talk about the Earn Baby Earn strategy, a mortgage play that could help you borrow more so you can grow your property investment portfolio sooner.  This strategy is all about increasing your provable income ... which includes asking your boss for a raise, renegotiating how your remuneration is structured or increasing your household's hours at work. If you want to learn more about how to increase your ability to borrow, come along to our upcoming property investment webinar, where you'll learn the 6 mortgage strategies that property investors need to know.

In this episode, we are joined by financial adviser and Property Partner, Derry Brown, to talk through a case study of a pair of property partners who are buying their first investment property before the age of 30. We go through their incomes, what their house is worth, and the size of their current mortgage. This will give you a sense of whether you might be ready to get started investing in property. We also mention that if you are keen to get a Wealth Plan, your next step is to book a complimentary Portfolio Planning Session. Click the link to learn more.

In this episode, we review property developer Reed Myers and whether you should purchase an investment property from them. This is based on a recent Stuff article, which reported incompetence from the development company, leaving first home buyers' dreams shattered. We also mention that you can use the New Zealand Legal Information Institute database to check out other developers who you might be purchasing from.

In this episode, we discuss whether property investors should still invest in standalone houses. We discuss the costs and the opportunities and where we see them in today's market.  This includes deep diving into Auckland, Christchurch, Hamilton, Whangarei and New Plymouth to identify the opportunities (both for new builds and existing properties). We wrap up the episode by mentioning our upcoming property investment webinar, which is on Tuesday 10th May at 7pm. Click the link to register.

In this episode, we discuss what the Reserve Bank's latest increase in the OCR means for New Zealand's property investors.  We go through the reasons property investors should and shouldn't worry. We also give predictions about where interest rates are likely to go, and how to respond.  We wrap up the show by mentioning that if you want up to date information about the NZ property market, subscribe to the Private Property newsletter. Every Thursday we send out a new update about what's going on and what property investors need to know. 

In this episode, we share what real property investors say their biggest wins and losses have been since beginning their investment journey.  This data comes exclusively from the NZ Property Investor Magazine survey, completed earlier this year in February 2022.  We also mention our upcoming property investment webinar, which is on Tuesday 10th May at 7pm. Click the link to register.

In this episode, we compare banks and non banks to see which are lending more or less in the wake of increased banking and lending regulation. We show that there are way fewer mortgage applications turning into loans with the banks ... but for non-banks they appear to be approving the same number of applications as before. We also mention our upcoming property investment webinar. This is where you'll learn the 6 strategies you can use to give yourself a better shot at the bank saying yes.

In this episode, we discuss a case study of a listener of the show who asks "how much insurance is too much insurance?"  We go through their current policies and what they are currently paying for them and explore what else they could do with the money they're currently paying towards these insurance policies.  Ultimately, this will allow you to think through what insurance is for and who much you really do or don't need.

In this episode, we are joined by Dennish Schipper – a property partner and financial adviser at Opes Partners – for case study Sunday. This is where you hear the real financial plan of a fellow Kiwi property investors – along with what they plan to achieve and how they'll achieve it. We also mention that if you'd like a property partner to create a Wealth Plan for your portfolio, then you can book your complimentary Portfolio Planning session here.

In this episode, we discuss the new tax rules for boarding houses and what property investors need to know.  We go through how the IRD has created a new term – 'boarding establishments', which are exempt from the new tax rules. To qualify, a boarding establishment has to have at least 10 rooms that are not self-contained. We also mention our upcoming property investment webinar, which is on Tuesday 10th May at 7pm. You'll learn how to get the bank to say yes to your first (or your next) investment property.

In this episode, we discuss the new interest deductibility tax rules and what this means for property investors. We go through which parts of the initial discussions and proposals are in and which are out, and the opportunities available for investors. We also mention that you can read the IRD's special report on interest deductibility by clicking the link. And you can register for our upcoming property investment webinar on Tuesday May 10th, by clicking the link to register.

In this episode, we discuss how much property investors should spend on an investment property in April 2022, and how much investment properties cost. We walk through the areas of New Zealand where we see the most opportunity right now, along with the sort of strategies that tend to work in each. We also mention our upcoming property investment webinar, which is on Tuesday 10th May at 7pm. Click the link to register.

In this episode, we are joined by property investor, Ilse Wolfe, to discuss a case study where a Whangarei based property investors added 2 additional bedrooms to their new investment property. This increased the cashflow to $12k per year – even after the new interest deductibility tax laws. We talk through how they did it and what you can do to replicate their success.  We wrap up the show by mentioning that if you are keen to book a complimentary Cashflow Hack Planning session with Ilse, you can click the session to book.

In this episode, we talk about how property investors can convert a house into a room by room rental. To walk us through the process we are joined by Ilse Wolfe from Opes Accelerate.  Here, Ilse takes us through her major rules – 1) keeping the number of rooms to 5 or less, 2) adding ensuites to each bedroom, and 3) looking for properties with at least 170 metres squared.

In this episode, we discuss the difference between a landlord and a property investor. This includes approaches to building your portfolio, handling tenants and maintenance, through to the analysis you do on properties. We go through the exact differences so you can decide which mindset/mentality you want to adopt.  We wrap up the show by mentioning that if you want to grow your portfolio in 2022, your next step is to come in for a Portfolio Planning Session. Click the link to book your complimentary session.

In this episode, we are joined by Stevie Waring to discuss a case study of a couple of property investors who are building a passive income through real estate. She takes us through what they are hoping to achieve, how on track they were to build this passive income before property and their plan to hit their goals.  We also mention that if you want to book a complimentary Portfolio Planning Session, you can click the link to learn more and book.

In this episode, we discuss what a bad investment property looks like. This is based on Andrew's experience looking for investment properties in today's market.  We give examples of what we consider to be a bad investment property, as well as what we consider to be good investments in today's market. We also mention that you can book your own Portfolio Planning Session by clicking the link and booking in to come see us at Opes Partners.

In this episode, we discuss the differences between shares, property, funds and term deposits. Specifically, we go through the potential returns that can be gained from investing a small regular amount into each asset class. This is based off modelling from our Return on Investment spreadsheet, which you can download by following the link. This will allow you to compare the different asset classes based on a property. We also mention that you can watch the video version of this podcast on the Opes Partners YouTube channel. Click the link to watch and subscribe.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at "How to Avoid the 8 Things That Can Go Wrong with Property Investment". We looked at what could go wrong, and the strategies that you can use to deal with each "hurdle".

In this episode, we discuss 7 reasons why your property could be negatively geared, as well as ways to respond. This covers things like your mortgage set to principal and interest, rather than interest-only, and not increasing your rent to the market rate. Ultimately this is going to allow you as a property investor to ensure your cashflow is as healthy as it possibly can be.

In this episode, we discuss what property investors need to know about what happens at settlement for a property.  This includes talking about what actually happens at a pre-settlement inspection and when you need to be thinking about finance and insurance.  Finally, we wrap up the show by mentioning our weekly newsletter – Private Property, which is delivered to you every Thursday afternoon. Click the link to register for free.

In this episode, we discuss what property investors need to know about retiring with debt. This comes after a previous episode where we profiled an investor who retired at 34 and still owed money to the bank. We talk through the pros and cons, and who retiring with bank debt would be the right and wrong fit for. Finally, we wrap up the episode by mentioning our property investment webinar, which is on the day this episode is released. It's happening on Tuesday April 5th at 7pm. Click the link to register.

In this episode, we discuss what property investors need to know about where interest rates are heading in the New Zealand market.  We discuss the Reserve Bank's official cash rate and how it impacts the 1-year fixed interest rate. This includes introducing a simple rule that you can use to estimate what the 1-year fixed rate 'should be.' We also mention that if you want to learn more about what's going on in NZ property, you should sign up for Private Property, our weekly newsletter for property investors.