The Property Academy Podcast

In this episode, we discuss how Kiwis can get the money to flip properties.

For this we are joined by John Moody, Chief Financial Officer at Basecorp. They are one of the largest lenders who work with property flippers in New Zealand.

John shares which loan applications Basecorp tends to approve (and which they say no to).

This is a must listen for any property flippers.

In this episode, we discuss how much more expensive New Builds are compared to existing properties.

This is based off new data released from CoreLogic which shows the "New Build premium".

We share that New Builds are currently about 5.6% more expensive than existing properties and that this is slightly below the historical average.

In this episode, we discuss whether it's possible to buy a property with a 10% deposit.

We talk about who can get access to this low deposit lending, and what the extra costs and fees are.

We also share which banks are more willing to let investors purchase properties with lower deposits.

Ultimately, you can use this information to get a sense of whether you should buy a property with a lower deposit.

In this episode, we are joined by Helena and Harish to discuss their property investment journey.

This includes how they are handling today's higher interest rates.

We also talk about how they stress tested their budget to make sure they could afford the property even if interest rates went up.

Want to share your story on Case Study Sunday? Send us a message, email ed@opespartners.co.nz

in this episode, we are joined by Kate and Sean to talk about their property investment journey.

We talk about what it's all for, and what they want to get out of property investment.

They also share how even though they bought close to the top of the market, they don't mind so much.

Now that their house has fallen in value, they wouldn't be able to buy today anyway.

Willing to share you story on Case Study Sunday? Let us know – ed@opespartners.co.nz

In this episode, we discuss where house prices are bouncing back fastest.

We share how some regions are bouncing back quickly (and have even surpassed their Covid peaks).

Places like Dunedin are up 9% compared to the bottom of the market, and others like Auckland are almost 6% up.

But, some parts of the country haven't crept up much at all. we share where prices are bouncing back fast (and which aren't).

In this episode, we are joined by Heidi and Nath who share how they have just become first time property investors.

This includes what went well (and what didn't go to plan).

We dig into why they wanted to become property investors in the first place, what it's all for and what they want to get out of property.

In this episode, we discuss National's new interest deductibility rules.

This is your definitive guide to the rules, what they are and what they mean.

There have been lots of proposals for what the rules should be. So some property investors are confused about what the rules actually are.

Here, Ed and Andrew lay down the law and share what the final rules are.

In this episode, we discuss how the OCR impacts mortgage interest rates.

We talk about what the OCR is, how the banks use it, how it impacts swap rates and how it eventually impacts your mortgage interest rate.

As you'll learn, it takes time for the OCR to impact your mortgage interest rate.

And your mortgage interest rates can start to go up or down even before the OCR moves.

In this episode, we discuss inflation, what it is, how it works. And what you need to know as a property investor.

This includes how to calculate the returns you actually get when you invest in property.

That means how you factor in the 'time value of money', and how to make sure that property investment builds you a better life.

In this episode, we dig through house price data to see whether our standard house price forecasts match up to reality.

Can you reliably say that house prices go up 5% or 6% a year?

And how easy is it to fudge the numbers and make it sound like property always goes up in value?

We dig through the numbers to see whether these assumptions are correct.

In this episode, we are joined by Sera and Quentin. This couple share their inspiring story.

From humble beginnings, these two started out by working 5 jobs between them.

Now they've paid off the mortgage and are investing in property.

They're helping their families learn about property and are breaking the poverty cycle.

In this episode, we discuss whether holiday homes are a good investment.

We look at Airbnb data to get a sense of the returns you can make investing in holiday homes.

Then we talk about where you can invest and how much it might cost to invest in a holiday home.

In this episode, we discuss the top problems with property investment companies.

We talk about what these companies get wrong, and what you need to look out for as someone thinking about using one of these businesses.

This includes companies like Opes Partners, Propellor Property Investments, Momentum Realty, enable.me, Positive Real Estate and others.

It also applies to any company who recommends New Builds as an investment option.

In this episode, we discuss the recently announced interest deductibility tax rules.

We're going back to the old rules. Property investors will be treated like every other business and will pay less tax.

Interest will be deductible again, some property investor's cashflows will change.

But not all property investors will feel the full extend of the change. We dig through the data on who will and won't see a big difference from the changing tax rules.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at 'NZ Property Market Update – 3 Steps To Make Money in Property in 2024'.

In this episode, we discuss whether this investor should buy their dream home ... or renovate and invest.

This comes from a listener of the show who is tempted to upgrade their own home.

But they're also considering growing their portfolio.

We run through the numbers so you can get a sense about what may be the right fit for you.

In this episode, Maurice Wills joins us to discuss his property investment journey.

Like you, Maurice is a listener of the show. He went on his OE and saved enough to buy his own home.

He then bought an investment property, which has gone up in value.

He plans to sell this property soon to pay off his mortgage. He'll be mortgage-free at 40.

In this episode, we discuss National's pledge to revamp and rewrite the CCCFA (the Credit Contracts and Consumer Finance Act).

This law saw first-time home buyers being denied a mortgage because of gym memberships, Kmart purchases, and their coffee addictions.

But National wants to rewrite the law so more people can get a mortgage.

But what does it actually mean, and why did the new rules come in, in the first place?

In this episode, we discuss Wolfbrook's latest marketing tactic – offering property buyers the chance to buy a house with 'no deposit'.

But what's the catch? And is it a good idea or just a clever marketing tactic?

We take you through the pros and cons, what you have to do to get the deal, and who it may be the right fit for.

In this episode, we discuss a case study of a listener of the show.

This investor bought a property in Hamilton. Since then, it has gone down in value, and high interest rates are killing his cash flow.

He's wondering whether it is better to hold on to the property or sell and take the $150k loss.

We walk through the numbers to show what could happen if he holds vs what happens if he sells.

In this episode, we discuss whether you should buy, sell, wait or invest.

We go through different case studies and situations. These show who should buy, and who should sell.

Through this you can get a sense of what your next step in the property market should be.

In this episode, we discuss different property investment scams.

This includes how to spot common scams and cons, so that you don't lose tends (or hundreds) of thousands of dollars.

We cover redirection scams, fake asset scams and timeshares.

In this episode, we discuss all the hidden costs you'll face when you buy a property.

This includes building inspection fees, lawyer costs, interest, the cost of new keys, and so much more.

You can use this information to get prepared for all the costs you'll face when you start investing. Because these are all the setup costs you'll need to pay.

In this episode, we are joined by Mike, a property investor and listener of the show.

Mike started investing in property at 23. Now he owns 3 investment properties and his own home in Wanaka.

Mike shares they story about how he grew his property portfolio, even when the lending started to get tough.

In this episode, we discuss how likely it is that you'll win Lotto.

This includes your chance of winning Powerball and 1st division.

We also discuss the chance that you win big if you consistently play Lotto over the next 20 years.

All of this is to give you a sense of whether you should bet your retirement strategy on winning Lotto.

In this episode, we discuss bridging finance. This includes how it works, how much it costs and how you can get a bridging loan.

We go through the rules and regulations, compare open and closed bridging finance and talk about the fishhooks where borrowers get caught out.

Ultimately this is so you can decide whether a bridging loan is the right move for you.

In this episode, we discuss the latest OCR decision and monetary policy statement from the Reserve Bank.

This includes what it means for interest rates, property prices, and your mortgage.

We play clips from the recent press conference so you can get under the hood and understand what the Reserve Bank really means.

In this episode, we discuss ANZ's recent OCR forecasts, along with why they think the OCR will go up to 6%.

We go through their house price and interest rate forecasts and go through what the media may have missed.

This is all as a preview for the next OCR announcement that comes out this afternoon.