The Property Academy Podcast

In this episode, we discuss whether banks really are making enormous profits from higher interest rates, and whether property investors and first home buyers are paying too much in interest costs.  This includes a look at how banks set interest rates and the net interest margin that each bank makes when lending out money for residential property. We also take a look at the composition of each bank's funding. We also mention that we have just released our My Wealth Plan software, which you can use to see whether you are on track for retirement.

In this episode, we discuss where interest rates are going to go over the long term. This allows first home buyers and property investors to project what their cashflows may do over the long run. We specifically go through data points like the long term neutral interest rate and what interest rates have done (on average) over the last 10 years.

In this episode, we discuss whether it is a good idea for property investors to sell their existing properties to buy new builds. This comes after the government introduced new taxes that mean that investors holding existing properties will be significantly more to the IRD. We talk through when this is a good or bad idea, and also the three checks you need to go through before selling. 

In this episode, we discuss how far through the housing market downturn the New Zealand property market currently is. This allows property investors and first home buyers the chance to decide whether it is the right time for them to engage with the housing market or not. We also mention that you can get the latest property market insights by signing up to our weekly newsletter – Private Property newsletter sign-up. You can also see all the graphs mentioned in this episode here.

In this episode, we discuss a case study of a real Kiwi couple who are investing in property so that they can retire early and spend $200k a year using the Nest Egg strategy.  We go through how Mike and Sarah ended up in the position where this is an option for them, how many properties they own, and when they started.  Ultimately this allows you to understand what you'd need to do to getin the same position.

In this episode, we discuss the factors that would make the property market turn around, including a reversal in the interest deductibility rules; a change in the LVR restrictions and a belief that interest rates are coming down. We go through how this would change property investors' cashflows and their ability to borrow.

In this episode, we discuss how property investors can talk to their parents (and other family members) about their retirement.  We talk about when to bring it up and the types of questions to ask your family when trying to talk to them about their financial future. We also mention that you might like to use our My Wealth Plan software to calculate their exact Wealth Gap.

In this episode, we discuss how bad economics news and scary news headlines are exactly what New Zealand needs (right now).  Inflation is too high and the Reserve Bank needs to get all Kiwis to spend less so that prices stop rising so quickly. So it is a good thing if bad news headlines scare us into spending less.  That will decrease demand in the economy, bringing it back inline with supply, which will then help keep prices in check.  So as property investors and first home buyers, we should be aware that scary headlines and bad news is exactly what the country needs to eventually bring interest rates down.

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at the "Property Investment Cashflows in 2023 – What To Expect", what to look for in a property, and how you should calculate cashflows to guide your property investment choices and create wealth in 2023 and for your financial future.

In this episode, we discuss which data property investors, first home buyers and other home owners should look at if they are trying to time their purchase of an investment property perfectly.  This includes a discussion of the data produced by both Tony Alexander, the Real Estate Institute of New Zealand (REINZ) and Core Logic.