The Property Academy Podcast

In this episode, we discuss new ANZ lending rules that mean that property investors purchasing existing properties require higher yields, or more of their own income to support their mortgage application.  The major bank in NZ now only counts 65% of the rent an existing investment property generates when calculating mortgage affordability criteria. New builds and properties already within an investor's portfolio remains at 75%. We also mention our upcoming tour to Christchurch, Queenstown, Auckland and Wellington where we are taking out 10 investors in each city + partners. To enter, leave a review on your favourite podcast listening app, follow us on Instagram and share something to your story. Then email us on podcast@opespartners.co.nz.

In this episode, we discuss advice given from the Ministry of Housing and Urban Development to the Housing Minister, Megan Woods.  This advice was given in the lead up to the government's housing announcement in March. We go through the advice and reveal some of the surprising statistics contained within the documents.  If you have a topic you'd like us to talk about the show, then send us a text. Our number is 5522. It would be great to hear from you.

In this episode, we discuss whether rent controls are the solution for the New Zealand housing market, and the impact they would have on property investors and landlords.  This includes a few economic rants about the unintended consequences of policies like rent controls, and how they can harm tenants in perverse ways.  If you have a topic you'd like us to talk about the show, then send us a text. Our number is 5522. It would be great to hear from you. 

In this episode, we discuss the numbers behind each of the main banks lending criteria. This is to show the differences between how each bank will run the numbers on your mortgage application. We also go through a few real case studies to show that banks are willing to lend vastly different amounts to different types of people.  If you've got a topic that you'd like us to talk about on the show, then send us a text. Our number is 5522. Whip out your phone it would be great to hear from you. 

In this episode, we answer 23 questions from our recent webinar with property investor, Ilse Wolfe, in under 15 minutes. The questions cover a variety of topics, from the discount code for a particular cabin company, right through to the cost of renovations. We also announce that we are looking to expand the Opes Accelerate property coaching service into other parts of New Zealand other than Auckland.  Want us to come to your town or city? Let us know that you are keen. Send us a text on 5522 with the city you are in and we'll see if we can make it to your city / town. 

In this episode, we are once again joined by Jenny Turner. Jenny is a Partner at Wynn Williams, a high-end law firm. Here, she joins us to talk about ownership structures.  Many property investors wonder whether they should hold their properties in trusts, companies or in their own name. Here, Jenny gives a summary of each of them and walks through which one may be the right fight for you. Got another question about ownership structures? Send us a text, our number is 5522. It would be great to hear from you.

In this episode, we are once again joined by Jenny Turner, a Partner from Wynn Williams, a law firm. Here we discuss how to set up JV, partnership and shareholders agreements the right way.  We talk through some of the intricacies and what partners should be thinking about, as well as how to provision for the eventual exit or termination of the investment relationship.  We also want to hear how you are building your portfolio with partnership and JVs. Send us a text, our number is 5522. It would be great to hear from you.

In this episode, we are joined by Jenny Turner who is a Partner at Wynn Williams, a law firm. Here, Jenny talks through how to negotiate a fair relationship property agreement.  We also share a few horror stories of where relationship property agreements have gone poorly and where parties have been left even more unhappy than would otherwise already be at the end of their relationship.  Have a topic idea for us? Send us a text. Our number is 5522. It would be great to hear form you. 

In this episode, we discuss two case studies of how real property investors are adapting their portfolios in response to the government's tax changes.  These come from recent reviews that Andrew has been running with property investors around the country. This includes selling properties, or purchasing higher yield properties in order to improve their cashflow position.  But, what we want to know is .... what changes are you planning to make to your portfolio in order to respond to these changes? Whip out your phone and send us a text to let us know. Our number is 5522.

In this episode, we discuss what you should and shouldn't do within property investment ... including a few that may surprise you. These include not paying principal off your property investment mortgage, and not DIYing most of your property investment renovations.  We also mention that we are holding a series of property investment dinners. This is where we will take 10 people in Christchurch, Auckland, Wellington and Queenstown out to dinner (+ partners) to talk property investment. Follow @opes_partners on Instagram, share us to your feed or story and give us a review wherever you listen to podcasts. Screenshot them and send it to podcast@opesparnters.co.nz and we'll put you in the draw.