In this episode, we are once again joined by Ella Dromgool from Catalyst Financial to discuss how she bought 2 investment properties by the age of 23.  Ella shares her strategy of getting flatmates to help her pay down her mortgage. In this case, she was paying off an additional $23,400 of principal payments through her flatmates.  We also discuss tomorrow's episode, where Ella will reveal how to correctly structure your mortgage so that you can pay it off more quickly. 

This is a special bonus piece of content, which is the audio from our recent webinar where property accountant, Matthew Harris showed us how to save money on your investment properties by paying the correct amount of tax. From Matt's point of view, many Kiwi property investors pay more tax than they otherwise would need to. This is because they haven't structured their affairs in the most efficient and opportune way.  As part of this webinar we play the game Pilfered or Protected, where you get to play along and see whether you can pick the right structure for three different types of investors.  Click this link to watch the video version of the property investment webinar.

In this episode, we are joined by Ella Dromgool from Catalyst Financial to discuss whether it really is harder to buy your first home today than it was previously. Ella is a 26-year old property investor who owns two properties.  She is also the creator of Instagram page, Paper and Sweat, which educates young people on how to be successful and take action in the property 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 discuss things you can do to keep the bank lending you money. This is also given in the context of the situation many of our podcast listeners face, where they have a decent amount of equity, but get tapped out on servicing.  We go through the standard tricks, such as adapting credit card limits and restructuring existing loans, but also walk you through the fact that you are likely to get tapped at some point. And tat that point you need to find a way to increase your income.  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 talk about how to help others when you are a property investor ... and how to get help. This includes how to talk to your parents about tapping into the Bank of Mum and Dad. We also discuss the reverse – how to help your your parents as they approach retirement.  This stems from a discussion where an investor we worked with at Opes Partners was likely to get an inheritance and be sorted for retirement. But, they wanted to make their own way. Listen to the full show to hear the case study.  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 10 conditional clauses you should know about ... and which ones you should actually use when purchasing property.  This includes due diligence clauses,  right to cancel clauses, sunset and lawyers approval clauses as well as building inspections and meth test provisions.  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 how to buy the property that you just drove passed. This includes a step by step case study from a property located in the Hutt Valley.  This includes going onto Property Guru, looking into your potential vendor, checking the companies office, doing google searches and approaching lawyers directly if the property is owned by an overseas investor.  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 it is profitable to furnish your investment property. We go through the numbers, the costs and the additional rent you are likely to receive.  For a 2 bedroom unit or apartment, you are likely to receive an additional $50 a week in rent ($2,600 a year), and it is likely that it will cost $10,000 to furnish that property. All up we include that this style of furnishing is generally not worth it based on these numbers. So, we talk through the alternatives you have to increase your rent more effectively.  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 how to win at an auction. We also delve into what you need to know in order to prepare yourself, both financially and emotionally, for the auction.  It's important to note that auctions are unconditional and that if you bid and are the winner you are now bound as the purchaser. That means that you need to have conducted all your due diligence before you begin to bid.  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 reverse mortgages. Reverse mortgages are a financial product where older New Zealanders are able to borrow against their home without making repayments to the bank.  Here, we talk through the benefits and the drawbacks of these sorts of loans, including their high-interest rates and the speed at which they can erode the equity you've built up in your home. We also talk through the alternatives that you have if you are nearing retirement to ensure you can access funds without eroding your financial position.  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 new urban planning rules that come into effect in February 2022. This will force councils to approve some developments that don't have car parks. We discuss the likely outcome, which is that properties with car parks will become relatively more valuable and experience some capital gain as a result. That's because not all of the cost savings will be passed on to the initial purchaser of the property.  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 mortgagee sales are a good way to make money for New Zealand property investors.  Our takeaway is that while mortgagee sales can be a good way to make money, you need to be aware of what it takes to be successful. You have to be willing to undertake a very active strategy and take on certain risks of damage from existing occupants.  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 recent data released by the NZ Treasury as part of the Pre Election Fiscal Update. Within this report, analysts forecast that house prices will increase 24.5% over the next 5 years.  However, on Thursday 17th September, Stuff published an article suggesting that the Reserve Bank predict house prices to halve. We discuss the issues with this article and show why the Reserve Bank's position was misrepresented.  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 for the final time by Linda Forsyth from Venture Property Management. Here, Linda walks us through how the property investors she looks after are responding to the Healthy Homes Act. One quirk around the act is that older, draughtier homes can sometimes have an easier time meeting heating standard, compared to newer, drier homes. The reason for this is that a heatpump is required for the living area. Because newer homes tend to be more open plan, a significant heat pump is required to meet the standards.  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 Linda Forsyth from Venture Property Management. Here, we discuss the funniest and most interesting stories from Linda's 15+ years in property management.  From burying a cat prior to an open home, through to respectfully managing a tenant's interesting and obvious kinks ... Linda has tackled it all. And the real message here is that property managers are willing to do the hard yards to get the best outcome for the tenant and the investor.  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 Linda Forsyth from Venture Property Management to discuss the 6 things that investors miss when they are managing their own properties.  These range from putting the right tenant into the wrong property, through to not increasing the rent along with market rises. 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 deeds of nomination, what they are and how they are used when an investor or property purchaser is unable to settle on a property.  Increasingly, some investors are unable to settle on properties they have gone unconditional on. This is where they will use a deed of nomination to pass on this contract to another purchaser ina. transparent manner than is favoured by the banks.  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 concept of land banking, how it works ... and how you can make significantly more money by holding on to properties that have future development potential. Here, we take you through an example from Mathew Gilligan's book, Property 101, which discusses this concept. 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 Auckland suburb of Papakura. Our conclusion is that, yes, Papakura is a good suburb to invest in. Especially since it is experiencing population growth at almost twice the rate of the wider Auckland region.  In addition to this, significant development is expected in neighbouring Pukekohe and Drury through Auckland Council's recently adopted structural plans for the area.   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 relocatable houses and homes and who they are the best fit for. A relocatable property is where an investor will purchase a vacant house and transport it to an empty plot, or a newly subdivided piece of land. The idea here is that moving and renovating a house is often cheaper than building one from scratch. However, there are hidden costs, not just in connecting the house to services but in terms of long term deferred maintenance. 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 for the final time by Matt Harris, an Ex-IRD investigator and co-owner of Momentum property.  Here, Matt takes us through a few case studies of how he has been able to save property investors significant amounts of tax by structuring their affairs in the most efficient manner.  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 Matt Harris, an ex-IRD investigator and co-owner of Momentum Property. Here we discuss the ways you are able to hold property – and which entity is right for you depending on the type of investor you are.  For instance, Look Through Companies tend to work better for long term buy and hold investors where the portfolio makes a loss. Whereas a long term buy and hold investor with a portfolio making significant cashflow will be better using a trust. On the other hand, traders are better suited using a limited liability company.  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 Matt Harris from Momentum Property. Matt is an ex-IRD investigator and a property accountant. Within this episode he reveals the common misconceptions Kiwi investors have about property tax. One of the most interesting revelations is that if you hold properties in a limited liability company, you need to wind up that company to pull any capital gains out for the investor.   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 new data recently released by the Real Estate Institute of New Zealand, which shows that 10 regions and 17 districts hit new record median house prices. The message here is that the property market is hot and house prices are getting more expensive. IN 6 months time it will cost you more to purchase an investment property than it does today.  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 recent policy changes and statements that have been made by the Reserve Bank of New Zealand. In particular, we go through the Large Scale Asset Purchasing Programme and some of the alternative policies the Reserve Bank is expecting to implement in order to maintain low-interest rates.  Then we discuss recent changes that have occurred to the US Federal Reserve and detail how, if implemented in NZ, the policies would change the NZ housing 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 discuss three new ways you can use data through CoreLogic, this includes the new CoreLogic House Price Index and the relaunched Propertyvalue.co.nz website. In addition to this, we walk through a real property report that was downloaded from the new propertyvalue.co.nz website so you can get a sense of what you can access through the website.  We also discuss the new dates for the Live Podcast Recordings, which have been moved through to mid-October. See the new dates here for the property investment events.

In this episode, we are joined for the final time (in this series) by Tony Mounce from Tony Mounce Mortgages and Insurance. Increasingly banks are looking for reasons to say no to borrowers ... even going so far as to check borrowers bank statement line by line to look for anomalies.  That is why it is crucial that borrowers put their best foot forward the first time ... and a big part of this is ensuring that your bank accounts are tidy. Here Tony walks us through how to ensure your financials are orderly.  We also discuss the new dates for the Live Podcast Recordings, which have been moved through to mid-October. See the new dates here for the property investment events.

In this episode, we are once again joined by Tony Mounce from Tony Mounce Mortgages and Insurance. Here, we discuss the rules and regulations for getting a mortgage if you are a Kiwi living overseas (and even if you're not).  The banks have tighter restriction on overseas borrowers than those living in New Zealand. Typically an overseas investor will require a 30% deposit (rather than a 20% deposit) ... and the way serviceability (mortgage affordability) is calculated is also much tighter. We wrap up the episode, by discussing our upcoming Live Podcast tour and the new dates which have been released because of the Covid-19 resurgence. See the new dates for this property investment event by clicking this link. 

In this episode, we are joined by Tony Mounce from Tony Mounce Mortgages and Insurance to discuss interest rates. We go into detail about what causes interest rates to rise and fall and Tony's prediction about how long interest rates can stay low.  Tony's main point is that interest rates are indicative of the supply and demand for money. Right now reserve banks are pumping money into the global economy which pushes down interest rates (the price of money).  We also discuss the new dates for the Live Podcast Recordings, which have been moved through to mid-October. See the new dates here for the property investment events.

In this episode, we go back to our top 20 guests (including Andrew and Ed) to talk about their biggest learnings through property investment over the last year.  This includes Tony Alexander, Sarina Gibbon from the Auckland Property Investors Association, Jon Lawry, Eugene Bratsaiken and many more who have featured on the show over the last 12 months.  Thank you to everyone who has listened or participated in the show ... you are the ones who make this show successful.

In this episode, we are joined for the last time by Sir Michael Hill. Here, we discuss the future of retail and how that will impact retail landlords.  Sir Michael predicts that there will be a consolidation in retail. Small country towns will become increasingly weaker, while shopping centres in the main cities will become stronger.  Ultimately this will have a negative impact for commercial landlords who have holdings in smaller towns ... and landlords who have more premium holdings will be comparatively better off. 

In this episode, we are once again joined by Sir Michael Hill – who walks us through what he does to preserve the wealth he has created across generations.  The most important takeaway from this episode is how Sir Michael and his family have quarterly meetings to discuss the family's financial appears. In Sir Michael's books, this is an important discipline that all families should adhere too no matter how wealthy – or indeed not.  He also walks us through his initial flips and renovations, which he conducted on a series of flats in Whangarei in his earlier years.

In this episode, we are joined by Sirt Michael Hill – founder of Michael Hill International, the Michael Hill International Violin Competition and The Hills golf course.  Here, Sir Michael walks us through how to set big, long term goals and what he's learnt about goal setting in his life and on his journey. 

In this episode, we recap the top 9 lessons shared by our three real Kiwi property investors at our recent property investment webinar. These lessons were: Trust your guy Get as much lending as you can ... by any means necessary Your property is not the market It's easier to get lending for your first investment than you might think The more you understand, the more you can take action To hit your goals, there is always some sacrifice involved "We probably started too late" It's ok to learn more and change how you think  Your investing strategy can (and should) change over time We also mention the webinar that these 25 questions were taken from. Watch the entire property investment webinar, where 3 real-life investors shared their numbers, insights and learnings, by clicking the above link.

In this episode, we rapidly answer 25 of your property investment questions in just under 12 minutes. Here, Andrew walks us through some of the basics (and some of the advanced learnings) for how to become a successful property investor.  Questions range from how long you can have an interest-only loan for, through to whether it's best to favour brick cladding.  We also mention the webinar that these 25 questions were taken from. Watch the entire property investment webinar, where 3 real-life investors shared their numbers, insights and learnings, by clicking the above link.

In this episode, we discuss the Auckland Unitary Plan and other district plans that are in the works ... and specifically what they mean for property investors who are looking to subdivide and add value to properties.  As we discuss, the Auckland Unitary Plan is a hefty document, which needs careful navigation and consultation before taking action. We discuss the pitfalls and the benefits for property investors.  We finish off by mentioning the Epic Guide to Property Investment. This is our 16-000 word guide that teaches you the fundamentals of how to become a successful property investor in New Zealand.

In this episode, we are joined by, special guest, Hamish Frizzel from Survus Landsurveyors to discuss subdivision. Hamish has almost 30 years experience in subdivision and Survus has been in business for the last 63 years.  Hamish walks us through how subdivision can result in significant gains for the willing property investor ... but it does require significant investment (upwards of $50,000).  We also discuss the Epic Guide to Property Investment. This is our 16,000-word guide, which teaches you the fundamentals of how to become a successful property investor.

This is a special bonus piece of content, which is the audio from our recent webinar where three real-life property investors share their stories and their numbers.  New Zealand currently ranks 26th out of 29 in the OECD, a club of mostly rich countries, for savings and investment. On average, Kiwis are on track to save -1.26% of our income in the next year.  We believe that if we can remove the stigma around investments and money then we can be part of the solution to turning that number around.  Click this link to watch the video version of the property investment webinar. 

In this episode, we discuss ghost houses – the 200,000 houses in New Zealand that don't have anyone living in them. This has come to light as part of Auckland Council's investigations into how to provide housing to Aucklanders.  One trouble that we discussed, is that many of these properties are not technically vacant, even though they are unoccupied. These are properties such as holiday homes, or properties that are currently undertaking significant renovation. We also mention, the Epic Guide to Property Investment, this is our 16,000-word guide that teaches you the basics of how to invest in today's market. 

In this episode, we discuss asset bubbles – what they are and what happens when they pop. We also discuss whether New Zealand has a housing bubble and a few examples of previous asset bubbles.  For instance, one famous example of a bubble was Tulipmania, which occurred in Holland in the 1600's. Here the price of tulips increased to the point where one tulip bulb was sold for the equivalent of $750,000 today. We also mention our Epic Guide to Property Investment. This is our 16,000-word guide that walks through what you need to know about property investment as a beginner ... and as an experienced investor. It takes about 45 minutes to read and you can access it through the above link. 

In this episode, we discuss two policies that are being proposed at the next election. The first is from The Opportunities Party, which is proposing a housing tax ... and then the Greens' wealth tax.  We go through what each of these policies are and the effect on the average property investor trying to build a passive income.  We also mention the Epic Guide to Property Investment, our 16,000-word guide which can teach you the basics of investing in property. Click the link above to read. 

In this episode, we discuss the bright-line test, which is New Zealand's version of a capital gains tax. While seemingly clear cut – sell a property (other than your own home) within 5 years and you'll be taxed – there are many fishhooks.  For instance, if you show a pattern of buying and flipping your own home then you will be taxed on those transactions. If you inherit a property with a sibling but purchase your siblings half, then any gains on the extra 50% of the property are taxable if you sell within 5 years ... and then there's tainting.  We also discuss our upcoming property investment webinar, where three real investors are going to share their stories and numbers. This is happening on Tuesday 1st September at 7pm. Use the link above to register.

In this episode, we discuss whether the number of bedrooms a property has impacts its capital growth. This is based on data shared by us by Core Logic, which was recently published in JUNO investing magazine. We reach the conclusion that for apartments it makes a difference moving from 1 bedroom to 2 bedrooms, but for other numbers of bedrooms, or other property types ... it doesn't make that much of a difference. We also discuss our upcoming property investment webinar,  where 3 real property investors are going to share their property investment stories and numbers so that we can learn from their experience. This is happening on 1`st September at 7pm, so register through the above link to attend.

In this episode, we discuss the board game, Monopoly and what real investors can learn from playing the game. Some real-life lessons include:  inflation – buy up big early in the game because you know the value of properties will go up over time as they become more valuable managing cash – not developing your properties too much too soon, in case you can't meet an unexpected expense, and negotiation – people are much more willing to negotiate when they are in straightened circumstances.  Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we discuss 3 real properties that Andrew is currently investing in the Auckland market. Andrew shares his rationale for these investments and his process for finding and procuring them.  In addition to this, he walks us through why he is investing in these properties BEFORE even going to look at them. Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we are joined by Councillor James Gough, who is a councillor for Christchurch City Council. Here we talk about major projects happening within the city and how it is expected to impact rental and housing demand there.  We also discuss the developer contribution scheme that Christchurch City Council currently has in play, how it works and the impact for housing in the city.  Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we are joined by Councillor James Gough, who is a councillor for Christchurch City Council. Here we talk about some Christchurch specific projects that are currently in play.  We discuss how to tell the difference between Council spin and Council projects that will be a 'win' for you as a property investor. We also get an update on Project 8011, CCC's main residential response as part of the Central City Action Plan. Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we discuss several strategies that have recently surfaced from investors from New Zealanders both overseas and in the mainland.  Here, Andrew and Ed discuss why you need to be clear about what your strategy is and what it isn't, specifically in the context of a couple of different scenarios. Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.