The Property Academy Podcast

In this episode, we review Bluestone Home Loans, a non-bank lender. For this, we are joined by mortgage adviser Peter Norris from Catalyst Financial.  We talk through who Bluestone is the right and wrong fit for and how their products compare with the main banks and other non-bank lenders like Resimac.  Ultimately, this lets property investors and first-home buyers understand when Bluestone would be the right call for them. We also mention that you can book your complimentary Portfolio Planning session by clicking the link and popping your details into the form.

In this episode, we discuss whether Kiwi property investors really do need a property manager … because the answer may be "no".  We discuss the reasons to use a property manager and also the reasons not to use a property manager.  Ultimately, this allows property investors to make up their own minds and decide whether using a property manager is the right fit for them. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss why Kiwi investors should stop saving for retirement and what they should start doing instead.  This includes a look at the amount of money Kiwi investors would need to put away each week if they were to save $1 million.  We then compare this with the amount an investor would need to invest if choosing a different (higher risk) asset class. Ultimately, this allows investors to make an informed decision about where to park their money.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we are joined by Micky Limmer from Opes Property to talk about how to tell if the developer you are working with is any good (or not).  This includes the checks you can do at home to test whether a developer will likely build you a good property on time and budget.  Andrew also walks through a couple of case studies of where a developer has seemed ok initially, but then has come out as less reputable once the red flags have started to appear. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this epsiode, we discuss the exact point where two property investors should combine their financial situations. We go through why property investors need a Relationship Property Agreement (RPA) when they start getting serious in their new relationship.  And on top of this, we talk about how investors can set up their financial situation when they start investing with a partner. Ultimately this allows property investors to manage their risk and not put themselves in a bad financial situation. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we are joined by mortgage adviser April Hastilow from Catalyst Financial to discuss a simple trick that homeowners can use to beat falling house prices.  Specifically, this strategy is around managing your debt so that you can still borrow against your property ... even if its value has fallen.  This includes using mortgage products like a revolving credit to pay down debt while still retaining access to the money. 

In this episode, we are joined by property investors, Ilse Wolfe from Opes Accelerate to discuss a case study of an investor who wasn't able to get the money from the bank to purchase an existing property to renovate.  We discuss how they used a non-bank lender product through Catalyst Financial to borrow the money, even though they didn't initially have the deposit to do it. 

In this episode, we discuss how kiwi property investors can build an investment portfolio while still renting personally. We work through the numbers to show how rentvesting impacts your ability to borrow in the future, and both the pros and the cons of this strategy.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this episode, we discuss how property investors (and all investors) need to take some amount of risk, and that not taking risk has a cost associated with it.  We work through the numbers to show how much not taking risk costs you, and how it compares across different asset classes. We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.

In this epsiode, we discuss when the bottom of the property market will hit, how much more property prices will drop, and how quickly prices will recover.  This is based on the predictions and forecasts of the Reserve Bank, The Treasury, ANZ, and Westpac ... along with predictions from KiwiBank, Tony Alexander and Opes Partners.  Putting all these forecasts and predictions together can give us different views on the market, so we can come to a reasoned consensus of what might actually happen.  Ultimately, this allows property investors and first-home buyers to make a more informed decision about when to purchase.  We wrap up the episode by mentioning that you can use the public version of our My Wealth Plan software to calculate what your retirement is going to look like.