In this episode, we discuss what turnkey properties are and whether they are the right fit for semi-beginner property investors.  This includes a comparison of the different types of payment structures when building a new property – progressive payments and turn-key builds. We also mention our property investment webinar which is happening this Tuesday 27th April at 7pm. Click the link to sign up.

In this episode, we go through everything you need to do within a 12 month period when you are a NZ property investor. This includes rent reviews, rate reviews, property inspections as well as a portfolio review.  We also go through how your cashflow can look over those 52 weeks, and how much you might need to top up your property by, even if it is cashflow positive.  We also mention our property investment webinar which is happening this Tuesday 27th April at 7pm. Click the link to sign up.

In this episode, we discuss the exact process that NZ property investors can use to calculate the additional rent that they can charge when adding an extra bedroom to their rental property.  This includes how to use Tenancy Service's Market Rent tool to calculate the percentage increase of rent that is achievable. We also mention our property investment webinar which is happening this Tuesday 27th April at 7pm. Click the link to sign up.

In this episode, we go through some of the bad behaviour we are seeing from D-head developers and bad boy builders in the market.  This includes developers forcing neighbours to pay for fences and builders not completing some of their projects to standard. We also go through what you can do as an NZ property investor to fight back.  We also mention our property investment webinar which is happening this Tuesday 27th April at 7pm. Click the link to sign up. 

In this episode, Ed takes the mic for a solo-episode where he delves into what's happening in the property market right now.  This includes how the Reserve banks monetary policy statement impacts interest rates in the short term – which regions will continue to increase in value, and which ones property investors should avoid. We also mention our upcoming property investment webinar with Ilse Wolfe. Click the link above to register. It's happening on Tuesday 27th April at 7pm.

In this episode, we are once again joined by James Blair from Catalyst Financial to talk about how to protect your wealth over time.  This includes how the specific types of insurance you may need so that you can hold your property portfolio over the long term. We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we are once again joined by James Blair from Catalyst to talk about the other asset classes that you may want in your investment portfolio ... in addition to investment property. This includes, shares, mutual funds, bonds, and commercial property. We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we are joined by special guest, James Blair from Catalyst Financial to discuss what goes into a solid financial plan that can provide a passive income for retirement. We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we discuss a few of the top jobs you could do in the NZ property industry. This list includes the pros and cons of each, as well as a few jobs you shouldn't go near.  We go through real estate agents, financial advisors, property managers, commercial leasing agents, valuers, builders and interior designers. We also mention our upcoming webinar, where we will discuss how to cashflow hack your property investment portfolio to beat the government's tax changes. Click here to register for the property investment webinar.

In this episode, we read out our credit card statements, finding expenses that Ed and Andrew are frittering away money on. We then plug this into a calculator to determine how much extra they could borrow if they. trimmed these expenses.  These include spending on apps, digital subscriptions that aren't being used, extra dinners out and a couple of other surprises.  We also mention our upcoming webinar, where we will discuss how to cashflow hack your property investment portfolio to beat the government's tax changes. Click here to register for the property investment webinar.

In this episode, we discuss 6 different strategies that you can use to improve your servicing when applying for a property investment mortgage, or one for your owner-occupier home.  The strategies include – extending your personal mortgage term, increasing the mortgage term on any investment properties, consolidating debt into your personal mortgage, paying down student loans, cancelling credit cards and reducing KiwiSaver contributions.  We also mention our upcoming webinar, where we will discuss how to cashflow hack your property investment portfolio to beat the government's tax changes. Click here to register for the property investment webinar.

In this episode, we discuss how to keep your tenants' neighbours happy at your investment properties, including a few war stories of neighbourly disputes from Ed and Andrew.  We also discuss the reasons why you'll want to keep your neighbours happy as a property investor ... and why a little effort can pay dividends.  We also mention our upcoming webinar, where we will discuss how to cashflow hack your property investment portfolio to beat the government's tax changes. Click here to register for the property investment webinar.

In this episode, we discuss the results of a recent property investors survey by Tony Alexander, an independent economist and friend of the show.  Here, we go through the numbers and specifically talk about the strategies that property investors are planning to use now, given that the economics of property investment have changed.  We also mention our upcoming webinar, where we will discuss how to cashflow hack your property investment portfolio to beat the government's tax changes. Click here to register for the property investment webinar.

In this episode, we discuss whether you can and should invest in Tiny Homes, or purchase one as an owner-occupier. This includes a discussion of some of the gross yields some property investors have been able to achieve.  We also go through the legal definition of a tiny home, and some of the disagreements that tiny home owners have had with local councils. We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we discuss how to read a chattel depreciation schedule and why they are more important than ever in order to save tax on your investment property. Many property investors don't both getting a chattel depreciation schedule completed. However, over the long term they can save significant sums by depreciating items like your driveway, the letterbox, carpets, curtains and appliances. Here is a link to what you can depreciate from the IRD. We also mention our upcoming webinar, where we will discuss how to cashflow hack your property investment portfolio to beat the government's tax changes. Click here to register for the property investment webinar.

In this episode, we discuss whether you should invest in a developer's construction fund, some of which are advertising returns of 8-10%.  Our feeling is that the average Kiwi investor probably shouldn't invest in these funds because the risks of losing your money in a downward market are high. However they may be the right fit for wholesale investors.  We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we discuss what the definition of a New Build is within the context of the government's recent tax changes.  We go over the fact that the definition is currently undefined ... and then the process for how the legislation will be drafted and when you can have your say on what the new definitions should be.  We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we are joined by property investor Jolene Marks – who is also the Head of Talent at the Ray White Damerell Group In her role, Jolene has interviewed hundreds of real estate agents. Here, she shares how to tell if one is any good or not, and how to go about selecting the right real estate agent for you.  We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we discuss the details of how to invest in multi-unit dwellings with Jolene Marks, a property investor who focuses on the Whangarei property market.  Here Jolene walks through what she's learnt from investing in multi-unit properties around the country and the yields she's been able to generate.  We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we are joined by property investor, Jolene Marks. Jolene is the Head of Talent at the Ray White Damerell Group in Auckland.  Here, Jolene walks through her property investment strategy and portfolio, which centres around higher-yielding properties in Whangarei and other regions.  We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we discuss the hidden risks of changing your position while you've got a new build underway. This question comes from a property investor who listens to the show, who has been told by their mortgage broker that they need to be careful about changing their position.  This is generally because when an investor signs a contract to purchase a new build, their pre-approval from the bank may lapse before the property is complete. That means that the investor will need to reapply for the lending.  But, not all investors need to be wary of changing their position ... listen to the podcast to find out why.  We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to [email protected] and we'll put you in the draw.

In this episode, we discuss how the current property boom compares to previous property booms, and how long rising house prices will last for.  We discuss that the peak of the market, in percentage terms, is not the peak of the market in dollar terms, and go through examples of where the property market can still experience frothy growth even after property pries don't increase at the same rate.  We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss the dollar for dollar exemption. This is a tactic that mortgage brokers and property investors can use to increase the amount they can borrow by using multiple banks.  This works because when you might purchase an investment property from a bank. Then, when you attempt to borrow more from the same bank, they won't allow you to borrow the same amount of money against that first property.  But by moving it to another bank, you are able to take a more significant portion of the mortgage across to the new bank.

In this episode, we discuss how much rents really can increase in response to the government's tax changes, which will see landlords left out of pocket.  We discuss how quickly rents have increased in the past, along with how we expect tenants to respond when rents start to edge higher.  We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss the only property investment strategies that make sense after the government enacts their proposed tax changes.  These include investing in new builds, adding significant value to rental properties to increase their cashflow, and purchasing property with a large cash deposit.  We also announce that Ilse is joining us for a property investment webinar to discuss how to increase your cashflow on properties through running renovations. Register for the webinar here.

In this episode, we are once again joined by Auckland-based property investor, Ilse Wolfe, to talk about her experience paying $20k to use a professional property coach.  Ilse walks through her experience and what her property coach did and didn't do for her, as well as how it changed her property investment strategy and journey.  We also announce that Ilse is joining us for a property investment webinar to discuss how to increase your cashflow on properties through running renovations. Register for the webinar here.

In this episode, we are once again joined by property investor, Ilse Wolfe. Here, Ilse talks through one of her recent deals where she made $355k in only 7 weeks.  This was a property that Ilse acquired shortly after the Covid-19 lockdowns, which she then renovated to increase its value and cashflow. Ilse now makes a tidy $2k per month in passive income from the property.  We also announce that Ilse is joining us for a property investment webinar to discuss how to increase your cashflow on properties through running renovations. Register for the webinar here.

In this episode, we are joined by property investor, Ilse Wolfe. Based in Auckland, Ilse has focusses on a BRRRR strategy, renovating to increase their equity and their cashflow. Here, Ilse walks us through her very first renovation, including how she overcapitalised and worked for the equivalent of minimum wage while doing-up these properties.  We also announce that Ilse is joining us for a property investment webinar to discuss how to increase your cashflow on properties through running renovations. Register for the webinar here. 

In this episode, we discuss how to intelligently answer the property investment naysayers. Here Andrew and Ed each take one side of the argument to give you both sides of the story. The arguments include: that investors aren't the ones pushing up prices because they are yield focused, that property investors help to improve the quality of New Zealand's housing stock and that investors keep their rents artificially low.  We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss whether an investment property is still worth it after the government's most recent announcements surrounding interest deductibility tax changes and the extension of the Bright Line Test. We also go through rental data to determine whether rents are likely to rise in response to landlord's increasing costs, and whether capital growth can still be expected in the future. We also mention that because of these changes we are introducing a new service where Andrew will review investors portfolios to help them decide what changes to make (if any). Read more about the property portfolio review here.

In this episode, we discuss the final parts of the government's housing announcements, which were released earlier in the week. These measures include allowing more first home buyers to access government support and new funding for infrastructure. Counterintuitively, we argue that more support for first home buyers, particularly those accessing the housing market with a 5% deposit, will actually lock in today's house prices as the government cannot allow hosue prices to drop away. We also mention that because of these changes we are introducing a new service where Andrew will review investors portfolios to help them decide what changes to make (if any). Read more about the property portfolio review here.

In this episode, we discuss the government's recent announcement that the Bright Line Tests is about to get tougher. Any capital gains you make on a property will be taxable unless you hold the property for 10 years, rather than the previous 5 years.  This will impact NZ property investors around the country. But, it will also be felt by homeowners who temporarily rent out their home e.g. because they move away for work. If these homeowners sell before the 10 year period is up, they will pay a pro rate amount of tax based on how long the property was a rental for.  We also mention that because of these changes we are introducing a new service where Andrew will review investors portfolios to help them decide what changes to make (if any). Read more about the property portfolio review here.

In this episode, we discuss how your property investment strategy might change after Labour's tax announcements are made into policy. These include looking for higher cashflow properties, raising rents, purchasing new builds, renovating to increase the value and rent on a property, along with claiming as many other deductions as possible.  We also mention that because of these changes we are introducing a new service where Andrew will review investors portfolios to help them decide what changes to make (if any). Read more about the property portfolio review here.

In this episode, we discuss the government's most recent changes to interest tax-deductibility rules. This in effect means that property investors will be taxed significantly more and some properties that were previously cashflow positive will not be cashflow negative.  We walk through how the changes will be introduced, and crucially the exemptions, which include "new builds" which are bought directly from a developer. We also mention that because of these changes we are introducing a new service where Andrew will review investors portfolios to help them decide what changes to make (if any). Read more about the property portfolio review here.

In this episode, we discuss whether you should allow your tenants to have pets within your rental property. This is often an emotional topics and property investors will swing one way or the other.  We also go through which sort of pets you might like to allow and what your decision might depend on, before delving into how to protect yourself from problem tenants and pets. We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss the exact dollar amount that you're expected to need to reach peak happiness in New Zealand, as well as a breakdown of how to get it through property investment.  We talk through ways to build this same level of income through alternative investments, including term deposits. This is where we mention this graph from Craigs Investment Partners. We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we are once again joined by Matthew Harris from Momentum Property. Here, we discuss how to get rich ... for certain with property investment.  Matt details what he means by 'for certain', which is through the concept of incremental gain. Buying and holding property for the long term provides incremental gains in most years, through increased rents and property values. This provides a steady increase in wealth over time. We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we are once again joined by Matthew Harris from Momentum Property, to discuss the Wealth Wheel approach to property investment.  This is where a property investor will purchase both positively and negatively geared investments, which then offset one another. In practice, this means purchasing enough higher yield property to pay for the investment properties that grow in value quickly, but which lose money in terms of  cash flow. We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss how to use 2nd tier lenders and financers as part of your property investment strategy. We also go through how to start with a 2nd tier lender before moving across to a first tier. This includes an analysis of exactly how to move between the two. We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss the property investment journey of Mattew Harris. Matthew is the director of Momentum property – an accountancy firm specialising in property investment.  He talks about buying his first home, before going on to build a property investment portfolio with his brother and cousin.  We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss whether property investors should invest in the Nelson / Tasman property market, along with an analysis of both the pros and cons of the property market. We look at where Nelson and Tasman house prices have been historically relative to the New Zealand median house price as well as a few region-specific factors that are unique to the property market there.  We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss the various ways to calculate the return on investment when considering investing in property, along with their pros and cons. We discuss gross yields, cash yields, net yields, return on equity, and finally reveal our holy grail – a return on investment calculator. This gives you the inflation-adjusted return on your investment property from each of the main ways you can make money from a property.  This spreadsheet will be released for you to download (for free) in a few days after the release of this podcast [we're just waiting on small piece of code to be written to make it look pretty] ... so pop your details in here, and we'll send you the spreadsheet once it's ready.

In this episode, we discuss the absolute worst-case, nightmare scenario in property investment. This comes from a listener of the show who wants to know the exact worst of the worst situation. This includes considering large scale natural disasters, a housing market crash, and the possibility of your asset falling in value while retaining debt. We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss how to conduct an analysis of a suburb before you invest. This is a worked example that comes from one of Ed's recent economic analyses of Manurewa. The team delve into how much historical capital growth a suburb has received compared to its relative price, along with a number of qualitative factors that you can use yourself.  We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we talk about what 'Builder's Terms' are and how property investors get them. Builder's terms are where you are able to build a house, or group of houses, on a piece of land before you've paid for the land. This is because there are generally two types of developers in major subdivisions – land developers and builders. Here, the builder doesn't pay the land developer until they've sold and settled the house. We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss the tenancy tribunal ruling between Mary Fisher, a Wellington-based landlord and her tenants. Ms Fisher's tenants caused intentional damage and had to pay over $9.1k to cover the damage and other infringements.  We discuss what happened, what the landlord did right and wrong, and what you can learn as property investors from the ruling.  Click here to read the ruling yourself. We also announce that we will host property investment dinners in Wellington, Auckland, Christchurch and Queenstown, with 10 investors (+ partners) at each. To enter the draw, follow us on instagram, share the podcast on your story and leave us a review. Then take a screenshot and send it to [email protected].

In this episode, we discuss how the Reserve Bank may potentially limit interest-only loans to property investors in order to curb house price inflation.  We go through the stats of how prevalent interest-only loans are right now for investors, before detailing the Reserve Bank's process for evaluating these sorts of tools. Finally, we wrap up the show by celebrating our 1 millionth download and announcing our next national tour. We are hosting property investment dinners in Auckland, Christchurch, Wellington and Queenstown, with a total of 10 people (+ partners) in each city.  Here's how to enter. Follow up on instagram, share the show on social media, and leave us a review in your favourite podcast listening app. Then send us an email at [email protected], and we'll put you in the draw.

In this episode, we compare the Master Build guarantee vs a Builder's guarantee. The main point property investors need to understand is that these guarantees are insurance products. They are not a guarantee from the builder themselves about the quality of the build. We compare and contrast the benefits of each and talk about some of the fishhooks and pitfalls, where property investors have been caught off. guard. If you have a topic that you'd like us to discuss, then send us a text. Our number is 5522. It would be great to hear from you. Or send Ed an email – [email protected]