In this episode, we discuss the practicalities of getting a flatmate to help you pay off your mortgage more quickly. This includes digging into tax and insurance concerns ... Should you tell your insurance company that you're going to get a flatmate? Do you need to pay tax on the income that you generate by having a flatmate? And what sort of agreements do you need to have in place. If you have a topic you'd like us to discuss on the show, send us a text. Our number is 5522. It would be great to hear from you.

In this episode, we discuss the Real Estate Institute of New Zealand property report for October 2020. This report showed that the median sale price in NZ lifted 19.8% in the last 12 months, and that property prices, on the whole, were up 13.5% year on year.  We also discuss how other indicators of the property market are faring ... days to sell, inventory and new listing coming on the market ... along with out assessment of what it all means.  If you've got a podcast topic you'd like us to talk about, then send us a text. Our number is 5522. 

In this episode, we discuss the recent letters sent between the Minister of Finance (Grant Robertson) and the Reserve Bank Governor (Adrian Orr).  Mr Robertson had written to the Governor about his concerns around rising house prices. He suggested a small change to the remit of the central bank, that would explicitly ask the Reserve Bank to consider rising house prices when making monetary policy decisions.  If you have a property investment topic you'd like us to talk about, send us a text. Our number is 5522. It'd be great to hear from you. 

In this episode, we are joined by Nigel – a listener of the show – who funded his overseas experience and travel through his investment properties.  Here, Nigel shares how he did it, his current portfolio structure and size, and also his advice for investors who are just starting out on their journey. This episode came because Nigel texted in the topic idea through our number 5522. If you'd like us to talk about a topic on the show, then send us a text. Our number is 5522.

In this episode, we discuss the Healthy Homes Act and the percentage of properties that don't meet the standards. This is based on the property management book of Venture Management, our inhouse property management firm. We find that there are 6 key areas where properties are failing the new standards: draughts, insulation, heating, ventilation, drainage, and windows. Remember, if you have a topic that you'd like us to talk about on the show, send us a text on 5522.

In this episode, we discuss the difference between the Treasury and the Reserve Bank ... and their respective impact on house prices.  The Treasury exists to advise the government on its fiscal policy (the money the government spends), while the Reserve Bank focusses on monetary policy, such as lending and bank regulation. All up, the Reserve Bank has more of an ability to impact house prices as compared to the Treasury.  Have a podcast topic or an idea for a show? Or perhaps just want to chat? Send us a text. Our number is 5522.

In this episode, we discuss who the largest property developers in New Zealand are. This is based on the data released from BCI, a data firm, who focusses solely on the construction industry.  We go through the stats for each region to point out some key differences within each part of New Zealand. Finally, we wrap up by talking about the usefulness of the data and how you would practically use it in your investing strategy.  Have a podcast topic or an idea for a show? Or perhaps just want to chat? Send us a text. Our number is 5522.

In this episode, we discuss how to get the bank to renew your interest only loan. This is a critical topic, because sometimes your interest only period and your fixed interest period can get out of sync.  This becomes an issue for property investors who mid-way through a fixed interest period find themselves paying principal and interest, and not being able to get out of it without paying a break fee.  Have a podcast topic or an idea for a show? Or perhaps just want to chat? Send us a text. Our number is 5522.

In this episode, we discuss the difference between the term / timing that a bank will document a loan over to calculate minimum repayments and the actual term that you pay the mortgage back over.  This is important for investors to get their head around, because if you increase your repayments and allow the bank to shorten the documented term, then you will hurt your ability to get further lending for investment properties. Have a podcast topic or an idea for a show? Or perhaps just want to chat? Send us a text. Our number is 5522.

In this episode, we discuss Labour's new top tax rate of 39% and whether it will have an impact on property investor's ability to secure a mortgage.  Throughout the show, we run multiple models to figure out exactly how much less a high-earning property investor would be able to borrow from the bank. We end up agreeing that fro each $10k you earn over the threshold ($180k), you will be able to borrow about $8.5k less than you otherwise would be able to.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss the LVR restrictions that are soon to be reintroduced by the Reserve Bank of New Zealand. These are expected to be reintroduced in March 2021, after the central bank finishes its consultation. It's generally expected that investors purchasing existing investment properties will require a 30% deposit. We also expect that investors purchasing brand new properties will be able to purchase with the existing 20% deposit.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we test out a new format where Ed has selected clips from the Reserve Bank's latest monetary policy statement.  Most interestingly, the RBNZ has announced a Funding For Lending programme. This is where the central bank will lend up to $28 billion to retail banks to on-lend to mortgage holders and businesses.  The central bank's goal is to decrease interest rates and put more money in the pockets of mortgage holders to stimulate lending.  If you like this episode format, then let us know. Give us a text on 5522. 

In this episode, we discuss a question from a listener of the show who runs active investment strategies. The bank would lend him 50% of the money for a project. But, after that project, he wants to know if they'll let him refinance above 50% of the properties new value.  We go on to detail some of the projects he's worked on over the last year, before wrapping up by mentioning the launch of our new coaching service. This new coaching service is for people who want to run active property investment strategies. If you'd like to be contacted when we launch the service early next year, click the link above and we'll be in touch early in 2021. 

In this episode, we discuss the New Zealand property company, Property Factory. This is a property sourcing company run by Campbell Venning that sources off the plans properties for Kiwi property investors. Here, we discuss what some of their terms mean, and delve into their analysis of a specific property they have recently been marketing.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss a few recent articles where Sir Bob Jones, New Zealand's most well-known billionaire, forecasts a property market crash. In the articles, he is quoted as saying that he has $250 million of cash ready to buy up property once prices begin to fall. We discuss that Sir Bob is a global commercial investor, and so his comments may not directly translate into the New Zealand residential property market. We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we answer another question from a listener of the show ... this time, delving into how the tenancy tribunal works.  Typically, you have 60 days from the end of a tenancy to take your tenants to the tribunal. After that, you need to have a valid reason why it's been left past 60 days ... and you also need to have a servicing address for the tenants.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss particularly novel strategies to tap into the Bank of Mum and Dad, with a focus on how to set these agreements up right. One of the novel strategies discussed is the idea of getting grandparents or parents to take out a reverse mortgage and then use it as the deposit for a property. We discuss the perceived pitfalls of this strategy and then detail a few alternatives that you might like to try before you go down that route.  We also mention our upcoming webinar on how parents can help their children get into the property market ... and how kids can help their parents as they near retirement. This is happening on the 17th of November, at 7pm. Click here to register for the property investment webinar.

In this episode, we discuss the removal of the LVR restrictions that occurred earlier this year and whether we believe the Reserve Bank will bring them back in during 2021. We also discuss the impact we believe new LVR restrictions would have, and come to the conclusion that they likely wouldn't slow house price growth. We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss how to negotiate fees with real estate agents, and especially when in the process to negotiate fees with agents.  Ed walks through a model of setting expectations early with your agent so they know what they're expected to live up to. Andrew then shares his war stories of how he's negotiated fees with agents in the past.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss a topic suggested by a listener of the show, who asks "what are the main things you look for in an investment property ... other than the usual things you talk about?" Andrew and Ed use a 23 step checklist when choosing investment properties for investors, so in this show, they both choose their top 3 ... but excluding the top factors they usually discuss on the show.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss how to do a house swap and what to think about when you are going through this process. This episode topic comes from a listener of the show who has a specific situation that we discuss.  The main takeaway is to make sure that the deal makes sense in today's market at today's prices. Establish the value of both properties and then negotiate the price difference in terms of cash.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we are joined by Kyle Brookland from Informed Property Inspections. Here, Kyle walks us through the Leaky Home Land Banking strategy and where he has seen investors purposely purchase leaky homes at cheap prices either for renovation or for land banking.  It's important to note that this is a high-risk and very sophisticated strategy, where the returns will be highly variable and in some cases, non-existant.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we are joined by Kyle Brookland from Informed Property Inspections. Here, Kyle walks us through the different types of cladding that can shelter your property from the elements.  We go through Shadowclad, bricks, weatherboard, plaster, concrete and so many other different types of cladding you might consider. when purchasing an investment property.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we are joined by Kyle Brookland from Informed Property Inspections. Here, Kyle walks us through some of the key issues houses face based on the decade that they were built in. If you're looking at a house that was built prior to 1950, you'll want to check out the wiring ... that's what usually goes wrong. And if it's today's houses, then lookout for a leaking shower. That's common too.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we are joined by Kyle Brookland from Informed Property Inspections. Here, Kyle walks us through the basics of property inspections, including how much they cost, what they include and whether the industry is regulated or not. We go through some of the common things to look for when shopping around for a building inspector and what you can expect to find within a building inspector's report.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss real estate scams and reveal some of the details of some of the top property scams that have graced New Zealand's shores over the years.  This includes talking about handwritten letters that have been found in letterboxes, through to mysterious contractors turning up to offer a deal on a driveway that is a little too good to be true. We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we go through the details of why several large real estate agencies have been fined millions of dollars by the Commerce Commission for alleged price-fixing.  This is a case that was widely publicised but poorly misunderstood. Here the real estate agencies entered into a price-fixing arrangement to pass on the cost of higher TradeMe fees to purchasers ... without room for negotiation.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss a recent case study of a first home buyer purchasing a house in Napier, while earning the minimum wage.  This is a monumental effort,m which should be celebrated, along with the sacrifices that would need to be taken to get there. This is an example of how first home ownership is achievable for young people here in NZ, even in today's market.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we dig into the data to reveal how quickly apartments have grown in value over the last 20 and a half years. This is in response to some developers claiming – or intimating – that their apartments will increase in value at inflated figures.  Here, we reveal the figures across all the three major cities and also walk through some simple rules you can use to get a sense of what your apartment might grow at over the foreseeable future.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss a worked example about what happens if and when interest rates rise in the future.  This worked example figures out what the interest rate could rise to in order to make your property neutrally geared over a 10 year period. after 5 years. To do that you save the money while interest rates are low and then use those savings to pay for the higher interest rates if and when interest rates rise.  If you'd like to see the model and read how it works, click here to see the interest rate modelling.

In this episode, we go through our list of the top 10 mortgage brokers in the country who we have had direct experience with. We also detail the reasons why we've chosen these specific brokers, along with who they might not be the right for.  These include Squirrel Mortgages, Lateral Partners, Tony Mounce Mortgages, Roost, New Zealand Home Loans, Loan Market, Jeff Elias, Maria Thackwell,  Vantage, and Eugene Bartsaiken. We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we walk you through 4 real-life case studies that have hit the tenancy tribunal recently, along with what you can learn from them as landlords.  The most interesting one for property investors was a case were the tenants were made to pay $1000 to the landlord for routinely tampering with smoke alarms. This charge was at a level that was seen to deter other tenants from continually messing with smoke alarms in the properties they rent. We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back.

In this episode, we discuss how to manage your property manager. Property managers naturally come with different levels of skill and experience. Some will be amazing, others not so much.  So you can't just take your hands off a long term buy and hold investment and leave it to your property manager. That's why we walk through a real-life inspection report and answer some common questions you might be thinking if you were to go through one yourself.  We also mention our new number, which you can text us on. If you have a topic suggestion or a question, feel free to text us on 5522 and we will message you back. 

In this episode, we discuss a question that was asked by Katherine, a listener of our show at the live Auckland recording. Here, Katherine asked how the Labour Government will impact property investors in NZ.  Our key message is that property investors need to hang on. While there may be some changes that make property investment less profitable from a cashflow perspective, any new legislation is likely to be incremental only. This shouldn't take away from the benefits that property provides through leverage.  We also discuss our Epic Guide to Mortgages. This is a 10,000-word guide which walks you through the basics of how to get a mortgage and pay it off more quickly. 

In this episode, we answer a live question asked during our live events in Wellington. Here, Dasha asked where and how we would invest $1 million in today's market ... and why.  Because this episode was recorded in Wellington, we talk through the data we would use, which currently suggests that Wellingtonians might like to invest outside of their home region ... and what their alternatives are.  We wrap up the episode, by mentioning our Epic Guide to Property Investment. This is our 16,000-word guide, which teaches you the basics of how to invest in property in NZ.  

In this episode, we discuss how to go from an owner-occupier to an investor. This is a question put to us by Darryl at our recent live recording in Christchurch.  Our main advice is that you've got to use the useable equity within your property to secure the deposit for your investment property. Darryl joins us for the show to add his thoughts in as well.  We wrap up by mentioning our Epic Guide to Property Investment, which walks you through the basics of investing in property. This 16,000-word guide is freely available on our website. 

In this episode, we record the third-ever Property Academy Podcast episode recorded in front of a live studio audience. Here, we talk about the Auckland property market and how it is tracking right now. Andrew gives an on the ground perspective about what he's seeing from real estate agents, developers and vendors, while Ed digs into the data to show us whether Auckland is undervalued or overvalued. If you'd like to learn more about property, then check out the Epic Guide to Property Investment,  which teaches you the basics about how to invest in property.

In this episode, we record the first-ever Property Academy Podcast episode recorded in front of a live studio audience. Here, we talk about the Wellington property market and how it is tracking right now. Andrew gives an on the ground perspective about what he's seeing from real estate agents, developers and vendors, while Ed digs into the data to show us whether Wellington is undervalued of overvalued. If you'd like to come along to an in-person Property Academy Podcast event, then there is one in Auckland as well on October 22nd. Click this link to register for your free ticket.

In this episode, we record the first-ever Property Academy Podcast episode recorded in front of a live studio audience. Here, we talk about the Canterbury property market and how it is tracking right now.  Andrew gives an on the ground perspective about what he's seeing from real estate agents, developers and vendors, while Ed digs into the data to show us whether Canterbury is undervalued of over valued.  If you'd like to come along to an in-person Property Academy Podcast event, then there is one in Wellington hosted the day this podcast is released, or in Auckland as well on October 22nd. Click these links to register for your free ticket.

In this episode, we detail the #1 risk that you face as an investor using the buy and hold investment strategy. It is not holding for long enough to get the capital growth and long term wealth that you were looking for when you first started investing.  We also detail several case studies of where investors have either had bad things happen to them throughout the strategy and also where they have been unsuccessful altogether.  Finally, we wrap up the show by discussing our upcoming podcast tour, which is happening on the 20th, 21st and 22nd of October in Christchurch, Wellington and Auckland. Click here to register for the new dates.

In this episode, we discuss how one of split banking's greatest benefits – the ability to borrow more – no longer exists. This was caused by the removal of the LVR restrictions by the Reserve Bank at the start of the first Covid-19 lockdown.  So should you still do it? We suggest that you should, not just because of the other benefits of split banking, but also because the removal of the LVR limits are temporary. So, if they come back in, you still want your portfolio to be in the most equity-efficient position. And that is what split banking enables.   Finally, we wrap up the show by discussing our upcoming podcast tour, which has recently changed dates. Click here to register for the new dates.

In this episode, we detail the winners and losers, 5 months after the start of the first lockdown. This comes from a dataset of over 2800 suburbs from around the country, where the median change in value has been measured at March 24th and the 31st of August.   The biggest winner was Whanganui with a massive 19%+ increase in values in the 5 month period. And the biggest loser was Glendowie in Auckland, which dropped by 12%+ in value.  Finally, we wrap up the show by discussing our upcoming podcast tour, which has recently changed dates. Click here to register for the new dates.

In this episode, we compare term deposits and property. Lower interest rates give a double boost to investment property. First, lower interest rates make investment property more profitable, since the interest on an investor's mortgage is usually the largest cost.  The second is that lower interest rates decrease the return on term deposits, making property relatively more profitable, again, compared to the alternative. Throughout this show, we go through a deep dive into the numbers and compare the decisions that real investors are facing in the current market.  Finally, we wrap up the show by discussing our upcoming podcast tour, which has recently changed dates. Click here to register for the new dates.

In this episode, we are once again joined by Micky Limmer from Harcourts Canterbury. And here, we discuss strategies you can use to review your property portfolio each year.  The key message here is that you should review your portfolio each year, specifically looking for opportunities to increase your cashflow. That may be by increasing your rent or decreasing your operating expenses ... or it may be by reviewing interest rates and the structure of your mortgage. The key here, is that manage the cashflow each year so that you can hold for long term capital gains.  Finally, we wrap up the show by discussing our upcoming podcast tour, which has recently changed dates. Click here to register for the new dates.

In this episode, we are joined by Micky Limmer who is a real estate agent at Harcourts, Canterbury. Data shows that median house prices rise in Summer and fall in Winter. But, why is that? And what are the different seasons in the property market each year? Our consensus is that during the winter months, fewer homeowners at the top end of the market sell their properties, while the first home buyer market stays strong. That means that during the cooler months the first home buyer (cheaper) part of the market makes up a bigger proportion of sales, biasing the median house price down.   Finally, we wrap up the show by discussing our upcoming podcast tour, which has recently changed dates. Click here to register for the new dates.

In this episode, we discuss the housing policies of the major 2 political parties in New Zealand ... along with what they mean for property investors.  Of particular interest is Labour's policy of regulating property managers, which has the potential to increase rents across the country as landlords take on more cost and a more professional standard of rental increases are applied across the country.  Finally, we wrap up the show by discussing our upcoming podcast tour, which has recently changed dates. Click here to register for the new dates.

In this episode, we discuss whether population growth leads to further increases in property prices. This is based on a recent article by Tony Alexander, an independent economist and friend of the show.  Our determination is that population growth is not a significant indicator of capital growth ... however, it is still not to be ignored because it is still ab important driver of a landlord's ability to secure a tenant, along with other related factors. Finally, we wrap up the show by discussing our upcoming podcast tour, which has recently changed dates. Click here to register for the new dates.

In this episode, we discuss the commercial property markets in both Auckland and Wellington from the eyes of Sir Bob Jones. This episode is based on Sir Bob's writings in his book My Property World, which is a follow up from his first property-based book ... Jones on Property.  Sir Bob sees Wellington as the more desirable city because of its lack of available land to build buildings on ... even though the Auckland economy has more heft.  Finally, we wrap up the show by discussing our upcoming podcast tour, which has recently changed dates. Click here to register for the new dates.