The Property Academy Podcast Property investing 101: Start here!⎥Ep. 2032
Apr 4, 2025
Clear starter guide to beginning property investment in New Zealand. Practical topics include using home equity instead of large cash deposits and how banks assess borrowing and rental income. Walkthroughs cover calculating financial goals, key investing choices like growth versus yield, and tools to estimate borrowing power and plan next steps.
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Property Investing Is A Long Compounding Game
- Property investing is a long, boring compounding game rather than a quick fix.
- Ed and Andrew frame it around closing a personalised 'wealth gap' by planning what lifestyle you want and the money required.
Use Home Equity For Your First Deposit
- You don't need a fresh large cash deposit to start; borrow against usable equity in your home.
- Ed gave a real example of a couple with a $1m house and $450k mortgage who had ~$350k usable equity and used a $120k mortgage topper as a deposit.
Palmy Couple Bought Their First Investment With A Topper
- Ed shares a Palmy couple story who earn ~$80k each, own a $1m house with $450k mortgage and used equity to buy a $450–$500k investment.
- They borrowed a $120k topper and avoided saving a separate deposit.