The Property Academy Podcast

This is a special bonus episode, where we release the full audio from our most recent webinar, How to Run the Numbers on an Investment Property.  This was recorded on 1st June as part of our webinar series. Watch the full webinar here. Or download the spreadsheet mentioned here. 

In this episode, we answer a live listener question on the podcast. Here, we discuss whether you're able to borrow from the bank to subdivide your property.  The answer is yes, most of the time ... but not all of the time. Some investors get caught out when managing their LVR position. Because once you subdivide your property, the original property isn't worth as much. So even if you have more equity, you might not meet the minimum equity requirements.  We also mention that you can leave us a voice message yourself here <----- by clicking the link here <----- We'll select a few of the most interesting messages and answer them live on the show.

In this episode, we are joined by Ella Dromgool from Catalyst Financial. Here, we detail the conversations that Ella is having with investors about the potential for interest rate rises over the next few years. Ella shares that some investors are beginning to panic at the hint that interest rates may rise shortly. However, any potential interest rate rise is still likely 12 months away ... so investors don't need to worry about breaking their loans and refixing just yet.  Got a topic that you'd like to hear discussed on the show? Send us a text. Our number is 5522. Send us a message. It would be great to hear from you. 

In this episode, we are joined by special guest, Ella Dromgool from Catalyst Financial. Here we discuss when it makes sense not to split bank straight away.  We go through the numbers and show that for investors with significant amounts of equity, it may not make sense to cheat on your bank straight away ... that is if it's not going to stop you from growing a portfolio.  Got a topic you'd like to hear discussed on the show? Send us a text. Our number is 5522. It would be great to hear from you. 

In this episode, we discuss a common myth in property investment circles ... the existence of 'Renter' and 'Home Owner' areas. The myth goes that areas that have a higher percentage of home ownership deliver better capital growth, while renter areas have lower capital growth but higher yields.  Is it true? We dig into the data and also talk through a few more robust metrics you can look at when hunting for high capital growth areas.  Got a topic you'd like to hear discussed on the podcast? Send us a text. Our number is 5522, it would be great to hear from you. 

In this episode, we discuss Core Logic's latest Pain and Gain report. This report details how many property investors made and lost money when selling their real estate.  We go through the numbers, and show that apartment owners lose money at a higher rate than owners of other property types. We also show that people who sell at a loss also tend to hold their properties for a shorter timeframe. Got a topic that you'd like to hear about on the podcast? Send us a text. Our number is 5522, it would be great to hear form you. 

In this episode, we discuss the latest monetary policy statement released by the Reserve Bank. We cover the potential rise in interest rates that property investors might expect, as well as both the Reserve Bank's and the Treasury's forecasts of house price growth.  The Reserve Bank currently forecasts that they may begin to lift the OCR from mid-2022, rising to 1.75% in 2024. Last time the OCR was at this rate, the 1-year interest rate hovered around 4 - 4.5%. Got a topic that you'd like to hear discussed on the podcast? Send us a text, our number is 5522. Would be great to hear from you. 

In this episode, we discuss whether first home buyers are really being squeezed out of the property market in NZ. This is based off new data released by Core Logic as part of their First Home Buyer report.  We detail that first home buyers make a similar proportion of the market as since the report was first started, and that the age of the average first home buyer has stayed stagnant over the past 4 years.  Have a topic that you'd like to hear discussed on the show? Send us a text, our number is 5522. It would be great to hear from you. 

In this episode, we review NZ Homes Loans. This is a mortgage and insurance business, that claims they can wipe years off your mortgage. But are their claims fact or fiction? We discuss their 'channelling' strategy, where investors use revolving credit and offset accounts to reduce the interest they pay on their mortgage. We also cover when this strategy does and doesn't work.  If you have a topic that you'd like us to discuss on the show, then send us a text. Our number is 5522. It would be great to hear from you.

In this episode, we discuss how property investors can increase the rent that they receive on their properties by using cabins and sleep-outs.  We go through the details of how Kylie from Gardner Homes currently rents sleepouts to investors for $75 a week, which then allows them to increase rents between $112 - $220 per week. We also mention Dreamtime Cabins, an Auckland-based sleepout supplier. If you've got a topic that you'd like us to discuss, then send us a text. Our number is 5522, it would be great to hear from you.