In this episode, we discuss our latest interest rate predictions for 2024. This includes how fast interest rates could come down, and the data behind the predictions. We look at interest rate forecasts out of the banks and talk about our long term interest rate forecasts.

In this episode, we discuss the best way to own an investment property – trusts vs companies vs own name. We go through a couple of case studies to show when each structure would work best. Ultimately, you need to talk to an accountant to figure out the right way to own properties in your situation. But, using this podcast, you can get a sense of what could be right for you.

In this episode, we discuss how high net migration impacts the New Zealand property market. This includes where the new migrants choose to live, and how many properties they tend to buy. We also mention our upcoming webinar ⁠⁠New mortgage rules: How to keep buying property when DTI’s come in [2024]⁠⁠ on Tuesday February 13th at 7pm. Click the link to register

In this episode, we go through 5 facts that property investors need to hear in today's market. This includes how to price your properties, what to build, where to build it, and how to make all of these decisions. Ultimately, this shows that property development is more than just putting up a few houses. And we also mention our upcoming Developer Event in Auckland on March 21st, so click the link to register.

In this episode, we answer some of the main questions investors and first home buyers have about debt to income ratios (DTIs). This includes what DTIs are, how they'll impact the property market and who will be most impacted. We also mention our upcoming webinar ⁠New mortgage rules: How to keep buying property when DTI’s come in [2024]⁠ on Tuesday February 13th at 7pm. Click the link to register

In this episode, we discuss what will happen to house prices when the Reserve Bank brings in Debt to Income Ratios. This includes how DTIs have impacted house prices when other countries have brought them in. We also talk about how much debt the country has and how fast incomes go up. This acts as a proxy for how much debt there already is, and how fast prices can go up.

In this episode, we are joined by Katherine and Stuart from Hamilton to discuss how they started investing in property. They share the numbers on a few of their deals and explain the stories that went along with them. This includes how Stuart started his own spa and transport business, and how Katherine used property to buy a supermarket.

In this episode, we discuss what to do when you make an offer on a house and the real estate agent tells you it's a multi-offer. This includes what you have to do, how to improve your offer, and how to negotiate with the agent. Ultimately, this gives you the heads up about what property investors, home buyers and first-home buyers need to know in a multi-offer situation.

In this episode, we discuss who wins and loses from the Reserve Bank's new mortgage rules. The winners include first-home buyers, developers, non-bank lenders and people buying New Builds. The losers, on the other hand, are banks, mortgage brokers, investors, renovators and (even) doctors.

In this episode, we discuss how the new Debt to Income ratio Restrictions (DTIs) will impact different Kiwis. We go through different scenarios to look at what it means for investors, home owners, first home buyers, business owners and a whole heap more. We also mention our upcoming webinar New mortgage rules: How to keep buying property when DTI’s come in [2024] on Tuesday February 13th at 7pm. Click the link to register

In this episode, we discuss the 7 lies you'll tell yourself that could stop you from investing in property. These are the key things we hear over and over again from investors ... like: "I just saw another great property down the road" “I want to sleep on it” … and “I need more time” We talk about when these statements make sense, and when they're just excuses.

In this episode, we react and respond to mean comments people have left on our Facebook and Instagram accounts. This includes comments like "Fix your soul" and accusations of being "snake oil salesmen". While this is a fun episode, we also address some of the big questions about the different ways to invest in property.

In this episode, we discuss houses vs townhouses vs apartments and which ones take the longest to sell. We look at sales data from Auckland, Wellington and Christchurch to figure out whether some types of properties stay on the market longer than others. We also look at townhouses in larger developments to see if they take longer to sell as well. Ultimately, you can use this information to become a more informed property investor.

In this episode, we discuss a case study of a listener of the show (Joe) who has just moved overseas. We talk about whether he should sell his investment property and buy something else. We also go through the numbers to see whether he could buy a better investment today, and when should consider selling.

In this episode, we discuss which properties to buy to get the highest returns. We look at the different ways to measure property investment returns and which properties come out on top for each measurement. Ultimately this shows that you buy different properties to get a different type of return.

In this episode, we discuss the latest house price data from QV, CoreLogic, and the Real Estate Institute. This includes examining where house prices are going up the fastest and the region where prices are up 7.1% in just seven months. We also share where the best places to invest are (right now), and when interest rates could start coming down.

In this episode, we dive into the Reserve Bank's newest mortgage rules. This includes details about both the Debt to Income Ratios (DTI's) and the updated Loan to Value Ratio (LVR) restrictions. Together these will impact how much money you can get to grow your property portfolio. We delve into the new rules and let you know what you need to consider.

In this episode, we discuss how much money you could potentially make through property in 2024. This includes how much Ed and Andrew might make on their own portfolios. This includes cashflow and house price growth over the next 12 months.

In this episode, we discuss what it would look like if NZ Superannuation was means tested. We look at the pension system in Australia and compare what NZ does with other major countries. This gives you a sense of how much you should rely on the NZ superannuation system in your retirement plan.

In this episode, we discuss the Reserve Bank's OCR forecasts and predictions. We go through their previous forecasts and compare what they said they'd do ... with what they actually did. This gives us a sense of whether the OCR could come down more quickly than what the Reserve Bank is currently saying. This lets you get a feel for if interest rates could come down faster.

In this episode, we are joined by Laine Moger to discuss how she bought her first home. In less than a week Laine went from not thinking she'd ever buy her first home, to signing the contract. She's about to settle on her new property and shares what she's learned in the process.

In this episode, we discuss the upcoming Debt to Income Ratio (DTI) rules and when they could potentially be introduced. This includes what the new rules could look like and the impact it will have on the property market. Ultimately, this is useful for first home buyers and investors who want to know when to buy.

In this episode, we discuss how much you can realistically negotiate off the asking price of a property. We dig through data to show how much sellers are discounting off their properties to get them sold. And we show you how to tell whether you can negotiate more off a property and ask for a bigger discount.

In this episode, we look through history to see if the bank's house price predictions are accurate. This includes looking at ANZ, ASB and the Reserve Bank's previous forecasts, then looking at what actually happened. Ultimately, you can use this information to see which bank has the most accurate predictions to pay attention to.

In this episode, we discuss whether cellphone towers and powerline impact your property's value. We look at data and university research that shows that some cellphone towers can impact your property's value ... but most don't. We also show that some high powered powerline can make your property's value go down ... but it depends how close your property is to them.

In this episode, we discuss the 5 different ways you can measure investment property returns. This includes the pros and cons of gross yields, net yields, cash on cash return, return on investment and internal rate of return. This episode shows that you buy a different property based on the way you measure property investment returns. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we discuss why property investors need to care about getting the lowest deposit possible. This includes how investors can use lower deposits to get a higher return on investment. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we discuss a case study about how to convert a leasehold property into a freehold title. This is based off a real scenario, where a unit owner needs to works with other property owners to buy the land underneath their properties. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we test Andrew to see if he can answer 8 simple money questions. This is based off a recent OneRoof article, which said that most Kiwis can't answer these basic questions. Follow along to see if you can beat Andrew. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we discuss the 6 steps you can take to find profitable investment properties. This includes where to get good data and how to analyse it. We mention these articles in the show: NZ Property market update Wellington property market update Wellington City over or undervalued analysis We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?⁠

In this episode, we discuss the Premium In, Premium Out principle. This is the principle where you sometimes spend more money on a property, but it doesn't become a better investment. The risk is that investors start buying nicer properties, but don't really get more bang for their buck (in investment terms). We mentioned the article "Do properties with more land go up in value faster?" We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?⁠

In this episode, we discuss the right way to rent an investment property to a family member. This includes the dos and don'ts, including why you should never accept some of their money as part of the deposit. Ultimately, this is to help you avoid the mistakes that other investors have made when renting to friends and family. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we reveal the truth about inheritance. This includes why you should never fully count on the money (until it hits your bank account). We also go through court cases in New Zealand's history to show you what happens when families squabble about inheritance. This includes how to contest a will ... and the law changes that could be coming to stop you contesting a family member's will. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we discuss whether home buyers are scared of plaster homes. This includes a review of research out of the University of Auckland about whether plaster homes sell for less money (even after they've been repaired). This can give us a sense of whether plaster homes are a good investment and what you need to be aware of. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we review and compare the 4 main types of cladding used in New Zealand. This includes, bricks, plaster, weatherboard and metal. And while there are lots of different types of material you can build your house out of, these are the main ones. Ultimately, this helps you make an informed decision about what type of property to buy. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we are joined by Tyson from TK Plastering to discuss plaster homes. This includes: why some plaster homes leak, how to spot whether a plaster home could be a leaker, and how to know whether a plaster property is ok. Ultimately, this helps you figure out whether to invest in a plaster home or not. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we discuss the story of the Lawyer and the Truck Driver. This is a parable that shows that you don't need a high income to be rich ... you just need to invest for the long term. We compare the two mindsets – someone who is on a low income, but invests to get ahead, and someone on a high income that wastes the opportunity. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we show you how to analyse a New Build investment property. This includes a step by step breakdown of how Ed and Andrew analyse potential investment opportunities. That way you can copy their process when you're thinking about buying a property. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024? Run the numbers on an investment property with our Return-on-investment spreadsheet.

In this episode, we show you how to analyse an investment property. We take a property from iFind Property's website and run through the numbers. That way you can analyse your own properties when you're running the numbers. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we discuss the 5 money personalities so you can decide which one you are. Ed and Andrew take the Money Personality test and reveal how they think about money too. We mention the Money Personality Quiz that you can try for yourself. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?⁠

In this episode, we discuss how to set goals that you will actually achieve in 2024. The trouble with goal setting is most people know they should set goals ... but then either don't, or they forget the goals they set by February. Here, Ed and Andrew show you how to set goals that you'll complete by the end of the year. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, Ed and Andrew share the properties they bought and settled in 2023. This includes the properties they said they'd buy (and then didn't), along with their property highs and lows over the last year. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we review everything that happened in property investment in 2023. This includes storms, banks collapsing, developers collapsing, elections, tax changes, and a whole heap more. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we recap our top episodes from 2023. While you're away on holiday, kick back and re-listen to some of our best journalism in 2023. Here are the links to the episodes mentioned: Exposed: Beware "Too Good to be True" Deals From Deceptive Developers ⎜ Ep. 1244 Misleading! Developer's Cashflow Trap Revealed + Hidden Risks of Developer-Provided Cashflows⎜Ep. 1292 Case Study Sunday: "The Council Swapped My Suburb"⎜Ep. 1312 Property Spruikers' Dirty Secrets: Hidden Commissions and Trickery Revealed⎜Ep. 1379 Developer’s Playbook: How Much Money Can You Make Developing Properties? Real Numbers⎜Ep. 1425 The Flood Factor – How To Avoid Buying Flood-Prone Properties⎜Ep. 1432 The $100k Moisture Repairs Barfoot & Thompson Agents Didn't Disclose⎜Ep. 1490 EnableMe vs Opes Partners: An Unbiased Comparison for Property Investors⎜Ep. 1505 How To Diversify Your Property Portfolio⎜Ep. 1524 How to Make an Extra $1million in Property: Does Our Over/Undervalued Model Actually Work?⎜Ep. 1544 We also mention our new quiz and calculator to help you find out ⁠⁠⁠Can I afford an investment property in 2024?⁠

In this episode, we are joined by April Hastilow from Opes Mortgages to discuss the process of applying for a mortgage. This includes what the perfect mortgage approval looks like. We also mention our new quiz and calculator to help you find out ⁠⁠Can I afford an investment property in 2024?⁠

In this episode, we take you through CoreLogic's Best of the Best report. This shows you the cheapest and most expensive houses in NZ. You'll also learn the suburbs where houses have gone up (and down) in value most in 2023. You can download a copy of the Corelogic "Best of the Best" Report here We also mention our new quiz and calculator to help you find out ⁠⁠Can I afford an investment property in 2024?⁠

In this episode, we go through the latest property market data to show you the areas where prices are rising. This includes how fast prices are rising and where the opportunities are. We also mention our new quiz and calculator to help you find out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Can I afford an investment property in 2024?

In this episode, we discuss what Ed and Andrew want from Santa in 2024. This includes what we'd really like to see happen in the property market. We also mention our new quiz and calculator to help you find out ⁠⁠Can I afford an investment property in 2024?⁠