In this episode, we discuss when the new interest deductibility rules are due to be announced, including an update of what we know and don't know right now.  We also mention that we have made our submission to the Treasury, which walks through the impacts we anticipate the new rules will have on property investors and property investment ... as well as the changes we have suggested. You can read our submission by clicking this link here, if you have any feedback on the submission, send us an email at [email protected].

In this episode, we are joined by Aidan Jury, Chief Operations Officer at Jennian Homes, to discuss the risks and benefits of Stage Claim Builds.  We cover what property investors need to know about these progressive payment builds, and why they often come with lower interest costs.  We also mention our upcoming property investment webinar, where we'll discuss how to build a property investment portfolio. It's on 21st September at 7 pm. Click the link to register. 

In this episode, we discuss how to tell whether a mortgage broker you're working with is any good, or not. And the questions property investors can ask to sort the good from the bad. We also give a list of questions you can ask a mortgage broker to get more advice from them to improve your property investment journey.  We also mention our upcoming property investment webinar. It's on 21st September at 7pm. Click the link to register. 

In this episode, we discuss what it takes for property investors of home owners to purchase a $22.5 million house in New Zealand.  Here is the link to the house we mentioned – Hobson House – which is located at 95 Victoria Avenue in Remuera, Auckland.  We discuss the higher LVRs for luxury homes and also the income that would be required to service such a large mortgage.  We also mention our upcoming property investment webinar. This is where you'll learn how to build a property investment portfolio. It's on Tuesday 21st September at 7pm. Click the link to register.

In this episode, we discuss the new responsible lending code, the Credit Contracts and Consumer Finance Act and what it all means for New Zealand property investors and property investment.  We break down the legislation to highlight some of the quirks and discuss what you need to do in order to respond to the new rules.  We also mention our upcoming property investment webinar, where we'll discuss how to plan out your portfolio. It's on 21st September at 7pm. Click the link to register. 

In this episode, we discuss what property investors in New Zealand need to know about escalation clauses.  Over the last week, articles have appeared in NZ media publications suggesting that developers can increase the price of a property without consent.  So here, we discuss when a developer is able to pass on higher costs to property investors, and what you can do to protect yourself. We also mention that our upcoming property investment webinar is happening this coming Tuesday 21st September at 7 pm. Click the link to register.

In this episode, we discuss the winners and losers in the commercial property game over the last 12 months. This allows you as a property investor to decide which sort of commercial assets to go after.  We also detail the different ways that Kiwi investors can invest in commercial property and ask whether you'd like to hear more about commercial property in the future.  We also mention that our upcoming property investment webinar is happening on 21st September at 7pm. Click the link to sign up.

In this episode, we answer 32 of your top property investment questions, which were submitted at our most recent property investment webinar. This includes answers about how the banks assess your mortgage application and the impact the your financial circumstances have on your ability to borrow.  We also mention that you can download our most recent servicing spreadsheet to figure out what strategies you can use to get your borrowing up.

In this episode, we discuss the last 2 years of recording the Property Academy Podcast. We go through what's changed in property and the main things we've learned.  This covers property investment regulation, higher prices, a Covid-19 pandemic and scary news articles from all the major publishers.  We also mention our upcoming property investment webinar, where you'll learn how to build a property investment portfolio. It's on Tuesday 21st September at 7pm.

In this episode, we discuss what happens to property and investment property in the event of a divorce or separation.  We discuss what happens when one partner wants to buy the other one out of the family home and some of the hard decisions that have to be made when two people break up.  If you want to learn more about relationship property agreements, then listen to podcast episode 531 and episode 601. And don't forget to come along to our property investment webinar on 21st September to learn how to build a property investment portfolio.

In this episode, we discuss the exact dollar amount that property investors need to live off in retirement. This is based off a new cost of living calculator that we've released.  The calculator works by taking an investor's current after-tax income and taking away any expenses that aren't likely to be faced in retirement.  We also mention our upcoming property investment webinar, which is on 21st September at 7pm. During the webinar, you'll learn how to plan out a property investment portfolio. Click the link to register. 

In this episode, we discuss the differences between residents associations and body corporates – and what property investors need to know.  This includes the differences in costs, rules and regulations and how they're governed. We also go over that you can check over the constitution of any residents association by searching the incorporated societies register.  We also mention our upcoming property investment webinar, where you'll learn how to build a property investment portfolio. It's on Tuesday 21st September at 7pm. Click the link to register.

In this episode, we discuss the top 10 Instagram accounts to follow for property investors based in New Zealand who want to grow a property investment portfolio.  These include: Beardy Brandon Demo to Reno Investor Girl Britt 50 by 50 Black Wealth Movement Dave Ramsey Wealth Maria Friström Rethinking Fi Galey Alix We also mention our upcoming property investment webinar, where you'll learn how to build a property investment portfolio. It's on Tuesday 21st September at 7pm. Click the link to register.

In this episode, we discuss what it's like working with Opes Partners for the first time as a property investor. This is a question asked by listener of the show Braeden.  We walk through the 3-step process on offer, as well as dig into what happens during each of these stages.  The show wraps up by mentioning our upcoming property investment webinar, where you will learn exactly how to build a diversified property investment portfolio. It's happening on Tuesday 21st September at 7pm. Click the link above to register. 

In this episode, we discuss whether Ashburton is good place for New Zealand property investors to purchase. We dig into the details of what properties cost in the South Island town.  Then, we go through the economic data around where house prices are in their property cycle, the expected population growth in the town as well as details of incomes and the employment market.  We wrap up the episode by mentioning our upcoming property investment webinar. It's happening on Tuesday 21st September at 7pm, where you'll learn how to build a strong and diversified property investment portfolio. 

In this episode, we discuss whether New Zealand property investors should invest in a property built by the Du Val Group.  We go through examples of previous builds and dig into the details of their body corporates and the expenses associated with them. We talk about the layouts of previous builds and talk about whether the spec of the property is appropriate for investors.  We also mention our upcoming property investment webinar on 21st September. We'll go through how to build a diversified property portfolio. Click the link to register. 

In this episode, we discuss options for how you can invest in property if you have lots of cash to invest in property or other assets. We go through building a diversified portfolio and then the options for how you can pay down debt using cash to decrease your mortgage expenses.  We also mention that our next webinar is coming up on the 21st September, where we will discuss how to build a property portfolio. Sign up for this property investment webinar here. 

In this episode, we talk about how freelancers, contractors and business owners can get a mortgage so they can invest in property.  We go through how banks assess the incomes of people on variable incomes and how the profits generated within your business can be used to service a mortgage.  Finally, we mention that the final episode of The Deal has just gone live. Click the link to watch NZ's first property investment TV show.

In this episode, we discuss the 7 principles that property investors need to know about finding high yield rental and investment properties.  This includes a deep-dive into the locations you need to know about, the types of properties to look for, and the price + number of bedrooms to aim for.  We wrap up the episode by mentioning The Deal – the final episode of NZ's first property investment TV show has just gone live. Click the link to check it out. 

In this episode, we discuss the principles of how property investors can find high capital growth properties. This includes a deep dive into the analysis we've previously shared on the show.  This includes what size land to look for, which areas of the city to look in, and how to tell whether an area is above or below its long term value.  We wrap up the episode by mentioning that the final episode of The Deal goes live tonight. Watch on demand at thedeal.co from 7pm.

In this episode, we are once again joined by property investor, Ilse Wolfe, to discuss what you as a property investor can do during this lockdown to prepare for the reopening.  We discuss looking on TradeMe for specific properties and spotting good investments in your local neighbourhood.  We also mention that we are currently looking for financial advisers to join the team. If you'd like to become an Opes Partner, send us a text. Our number is 5522. We'll tell you where to send your CV

In this episode, we compare and contrast the four major property coaching companies in New Zealand – Property Apprentice, Wealth Mentor, Ronovations and Asset Lab.  Property investor, Ilse Wolfe compares the four companies, including their pricing and who each company is the right fit for.  We also mention that we are currently looking for financial advisers to join the team. If you'd like to become an Opes Partner, send us a text. Our number is 5522. We'll tell you where to send your CV

In this episode, we are joined by property investor, Ilse Wolfe. And here, Ilse walks us through her definition of failure, along with a case study of when she failed.  She walks us through the details of her investment property in Remuera, Auckland, and how she made the layout worse than when it began ... leading to longer periods of vacancy and poor cashflow.  We also mention that we are currently looking for financial advisers to join the team. If you'd like to become an Opes Partner, send us a text. Our number is 5522. We'll tell you where to send your CV

In this episode, we discuss what the latest Covid-19 lockdown means for property investors based in New Zealand.  We talk about what you can and what you can't do, as well as what to do if you have a property under contract or are currently selling. We then mention that we are currently looking for new property partners here at Opes. If you want to join the team, send us a text at 5522, we'll tell you where to send your CV.

In this episode, we discuss the most recent monetary policy update from the Reserve Bank along with what property investors need to know.  We play clips from the press conference so you can get inside what really happened ... and dig through the data to show what the Reserve Bank's house price forecasts really were.  We also mention that we are looking for financial advisers to join the team here at Opes. If you'd like to join the team, send us a text at 5522, we'll let you know where to send your CV.

In this episode, we discuss whether you should become a private buyer and use this property investment strategy. Here, we're joined by Billy McLachlan from Your Property Solutions. We walk through how Billy makes money as a private buyer and how you can follow a similar strategy if it's the right fit for you.  We also mention that we are currently looking for financial advisers here at Opes Partners. If you are looking for a new role, send us a text on 5522. We'll text you where to send your CV.

In this episode, we are joined by Billy McLachlan – a private buyer based in Christchurch. Here, Billy walks us through the process of using a private buyer.  This includes how to choose one, how to negotiate with them, and when you can expect to get a cash offer from them.  We wrap up by mentioning that we are currently looking for financial advisers to join the Opes team. Send us a text at 5522 and we'll let you know where to email your CV.

In this episode, we discuss which homeowners and property investors should sell their properties through a private buyer.  We discuss how much less a private buyer would offer you compared to selling your property on the open market. And we also discuss how quickly you can expect to get an offer from a private buyer once you start a conversation.  We wrap up by mentioning that we are currently hiring financial advisers at Opes Partners. If you're an AFA send us a message on 5522, or send your CV to [email protected]

In this episode, we discuss whether you should sell your property through a real estate agent or sell your property privately. This is the first of a two-part series where we first hear from a real estate agent, before hearing from a private buyer, who purchases properties themselves.

In this episode, we recap one of the most recent episodes of The Deal, where Simon Taylor from Safari Group pitched a series of peculiar apartments to the Deal Makers.  Slade Hocking joins the show to give his perspective as a Deal Maker on the apartments and talks through why he wanted to do a deal on the apartments.  Want to watch the episode of The Deal? Click the link to watch.

In this episode, we discuss whether you should keep your own home – that you're living in – as a rental once you find a new property to call home.  We mention that any property can be a rental property, but that doesn't make it a good investment property. We tell you the tell-tale signs to look out for.  We also mention our ROI spreadsheet, which you can download to run the numbers on your investment property. And also the most recent episode of The Deal.

In this episode, we discuss what property investors need to know about the difference between committed payments and uncommitted payments when it comes to organising their finances.  This comes off the back of our most recent property investment webinar, where we showed investors how to borrow more from the bank to borrow more. We also mention our updated mortgage affordability calculator and that you can download the new servicing spreadsheet here.

saIn this episode, we discuss how the New Zealand property market is going right now. This includes a look at the data that's most likely to interest property investors.  We go through price, volume and listings movements, so you can tell whether it's a good time to invest or not.  We also mention that the latest episode of The Deal has just gone live. Click the link to watch or go to thedeal.co.

In this special bonus episode, you'll hear the audio from a recent property investment webinar where we discussed how to get more money from the bank. Here, Ed is joined by mortgage advisor, Peter Norris to take you through the 5 strategies to borrow more, how banks assess your mortgage and several case studies.  We also mention our new servicing spreadsheet where you can put in your own numbers to see if you can borrow more from the bank.

In this episode, we discuss what property investors need to know about cross collateralisation and interlocking guarantees.  This is where your properties are used as security for one another so that the bank has the confidence to lend to you. We also mention that the day this episode goes live another episode of The Deal will be released. Click the link to watch NZ's first property investment TV show. 

In this episode, we discuss what happens if your investment properties have gone up in value and how to tell if you are ready to go again.  This is based off a question from a listener of the show who wants to leverage off the investment properties that still haven't been built yet. We go through an advanced strategy for how to free up equity and go again.  We also discuss our upcoming property investment webinar, which is on 17th August at 7pm. Click the link to register and learn how to get the bank to lend you more money so you can invest in property.

In this episode, we discuss whether Levin is a good area to invest in for property investment. This includes an analysis of the property cycle in Levin, incomes, and employment opportunities within the region.  We discuss that while Levin has had enormous capital growth over the last half a decade, the frothy market may be near its peak – so may not represent the best investment right now.  We also mention that we are about to release a new episode of The Deal – NZ's first property investment TV show. 

In this episode, we discuss whether it makes sense for a property investor to build a minor dwelling on a section that can't currently be subdivided ... but with the intention of subdividing once zoning rules change.  We go through an analysis of the zoning rules within the Christchurch City Council and talk about the costs of subdividing a section retrospectively.  We also discuss our upcoming property investment webinar, which is on 17th August at 7pm. Click the link to register and learn how to get the bank to lend you more money so you can invest in property.

In this episode, we discuss a case study from the tenancy tribunal where a landlord and property investor was fined almost $9k for breaching the residential tenancies act.  We take you through what the fines related to and the lessons you can learn so you can stick within the code and be an ethical landlord. We also discuss our upcoming property investment webinar, which is on 17th August at 7pm. Click the link to register and learn how to get the bank to lend you more money so you can invest in property.

In this episode, we discuss whether a death, murder or other sordid crime occurring within your property will decrease its value. We tap into research that looks at some of New Zealand's most sordid crimes and discuss whether that might provide an opportunity for property investors and home buyers.  We also discuss our upcoming property investment webinar, which is on 17th August at 7pm. Click the link to register and learn how to get the bank to lend you more money so you can invest in property. 

In this episode, we reply to a Stuff article where architect, Jade Kake, suggested crashing the New Zealand housing market on purpose.  We go through the arguments why property investment is needed and why the policy prescriptions suggested are unnecessary and ludicrous.  We wrap up the episode by mentioning our upcoming property investment webinar, where you'll learn how to get more money from the bank. 

In this episode, we discuss how the IRD would tax a property investor if their business partner lives in the property as an owner occupier.  We walk through whether you would have to charge rent, or if instead, you would only charge half rent, along with how the bank would treat the property i.e. investment vs owner occupier. We also mention our upcoming property investment webinar on the 17th of August at 7pm. Sign up to learn how to get more money from the bank to invest in property.

In this episode, we discuss upcoming changes by the Reserve Bank, who is moving to limit low deposit lending to owner occupiers.  We discuss whether this will have any effect on the market, as well as other potential measures that could be introduced for property investors. This includes looking at Debt to Income ratios (DTIs) and minimum servicing test interest rates.  We also mention our upcoming property investment webinar, which is on Tuesday 17th August at 7pm. Come along to learn about how to get the bank to lend you more money.

In this episode, we are once again joined by Simran Kaur from the Girls That Invest podcast to talk about the process she went through to purchase her first home. Sim shares that she went to over 100 open homes and began keeping a spreadsheet of what she thought properties would sell for, and then matched it up with what they actually sold for at the time.  We also mention our upcoming property investment webinar, where you'll learn how to get more money from the bank so you can invest in property.

In this episode, we are joined by Simran Kaur from the Girls That Invest Podcast to talk about how she saved $57k to purchase your first property.  Sim takes us through how she got her expenses down and increased her income to get closer towards her goal. We also mention our upcoming property investment webinar, where you'll learn how to get more money from the bank so you can invest in property.

In this episode, we discuss how property investors can use low deposit loans to get into their first property.  This includes an analysis of how to legitimise your KiwiSaver withdrawals and the additional costs you have to pay if using a low deposit loan.  We wrap up the show by mentioning our upcoming property investment webinar. You're going to learn how to get money from the bank to invest in property.

In this episode, we discuss where property investors who are just getting started can find cheap properties to purchase.  We look at the distribution of property prices across each of the main centres, and discuss where you can find a market of cheap properties just out of each main centre.  To wrap up we mention our upcoming property investment webinar. This is where you can find out how to get the bank to lend you more money to invest in property. 

In this episode, we are once again joined by Luke Jackson from Resimac, a non-bank lender, to discuss when Resimac wouldn't be the right lender for you, and who to use instead.  We also discuss the lay of the land in the non-bank sector, how non-bank lenders operate in Australia, and how that might impact NZ in the future.  We also discuss our upcoming property investment webinar, which is happening on the 17th of August, 7pm. Click the link to register.