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The Property Academy Podcast

Opes Partners

5
Followers
18
Plays
The Property Academy Podcast

The Property Academy Podcast

Opes Partners

5
Followers
18
Plays
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About Us

The Property Academy Podcast is a daily show that gives you insight, analysis and strategies for how to get the most out of the NZ property market. That's whether you're an existing or aspiring property investor, you want to get into your first home, or you're just interested in the property market.Andrew Nicol and Ed McKnight host the podcast. Andrew is the Managing Partner of Opes Partners and a prolific investor himself. Ed is an economist. Both Stuff and Juno Investment Magazine have previously published his analyses. https://www.opespartners.co.nz/investment/property-investment

Latest Episodes

Practicalities of Getting a Flat Mate To Help You Pay Your Mortgage More Quickly | Ep. 443

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.

10 min1 d ago
Comments
Practicalities of Getting a Flat Mate To Help You Pay Your Mortgage More Quickly | Ep. 443

Data Day: Average NZ House Sale Price Hits $725,000 ... +19.8% In One Year | Ep. 442

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.

14 min2 d ago
Comments
Data Day: Average NZ House Sale Price Hits $725,000 ... +19.8% In One Year | Ep. 442

Dear Governor ... The Minister of Finance Sends a Letter To the RBNZ Governor | Ep. 441

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.

14 min3 d ago
Comments
Dear Governor ... The Minister of Finance Sends a Letter To the RBNZ Governor | Ep. 441

How To Fund Your OE Through Your Investment Properties ... How This Investor Did It | Ep. 440

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.

12 min4 d ago
Comments
How To Fund Your OE Through Your Investment Properties ... How This Investor Did It | Ep. 440

What % of Properties Fail the Healthy Homes Act –An Honest Look At the Stats | Ep. 439

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.

12 min5 d ago
Comments
What % of Properties Fail the Healthy Homes Act –An Honest Look At the Stats | Ep. 439

Treasury vs The Reserve Bank ... What's the Difference & How Do They Impact House Prices? | Ep. 438

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.

11 min6 d ago
Comments
Treasury vs The Reserve Bank ... What's the Difference & How Do They Impact House Prices? | Ep. 438

Revealed: The Biggest Home Developers in NZ | Ep. 437

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.

11 min1 w ago
Comments
Revealed: The Biggest Home Developers in NZ | Ep. 437

How To Renew Your Interest Only Loan ... And The Mistakes To Avoid | Ep. 436

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.

11 min1 w ago
Comments
How To Renew Your Interest Only Loan ... And The Mistakes To Avoid | Ep. 436

Mortgage Repayment Terms v.s. Documented Terms ... What Investors Need To Know | Ep. 435

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.

12 min1 w ago
Comments
Mortgage Repayment Terms v.s. Documented Terms ... What Investors Need To Know | Ep. 435

How Will Labour's 39% Top Tax Rate Impact Investor's Ability to Borrow From The Bank? | Ep. 434

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.

9 min1 w ago
Comments
How Will Labour's 39% Top Tax Rate Impact Investor's Ability to Borrow From The Bank? | Ep. 434

Latest Episodes

Practicalities of Getting a Flat Mate To Help You Pay Your Mortgage More Quickly | Ep. 443

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.

10 min1 d ago
Comments
Practicalities of Getting a Flat Mate To Help You Pay Your Mortgage More Quickly | Ep. 443

Data Day: Average NZ House Sale Price Hits $725,000 ... +19.8% In One Year | Ep. 442

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.

14 min2 d ago
Comments
Data Day: Average NZ House Sale Price Hits $725,000 ... +19.8% In One Year | Ep. 442

Dear Governor ... The Minister of Finance Sends a Letter To the RBNZ Governor | Ep. 441

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.

14 min3 d ago
Comments
Dear Governor ... The Minister of Finance Sends a Letter To the RBNZ Governor | Ep. 441

How To Fund Your OE Through Your Investment Properties ... How This Investor Did It | Ep. 440

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.

12 min4 d ago
Comments
How To Fund Your OE Through Your Investment Properties ... How This Investor Did It | Ep. 440

What % of Properties Fail the Healthy Homes Act –An Honest Look At the Stats | Ep. 439

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.

12 min5 d ago
Comments
What % of Properties Fail the Healthy Homes Act –An Honest Look At the Stats | Ep. 439

Treasury vs The Reserve Bank ... What's the Difference & How Do They Impact House Prices? | Ep. 438

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.

11 min6 d ago
Comments
Treasury vs The Reserve Bank ... What's the Difference & How Do They Impact House Prices? | Ep. 438

Revealed: The Biggest Home Developers in NZ | Ep. 437

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.

11 min1 w ago
Comments
Revealed: The Biggest Home Developers in NZ | Ep. 437

How To Renew Your Interest Only Loan ... And The Mistakes To Avoid | Ep. 436

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.

11 min1 w ago
Comments
How To Renew Your Interest Only Loan ... And The Mistakes To Avoid | Ep. 436

Mortgage Repayment Terms v.s. Documented Terms ... What Investors Need To Know | Ep. 435

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.

12 min1 w ago
Comments
Mortgage Repayment Terms v.s. Documented Terms ... What Investors Need To Know | Ep. 435

How Will Labour's 39% Top Tax Rate Impact Investor's Ability to Borrow From The Bank? | Ep. 434

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.

9 min1 w ago
Comments
How Will Labour's 39% Top Tax Rate Impact Investor's Ability to Borrow From The Bank? | Ep. 434

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