The Property Academy Podcast

In this episode, we discuss the bright-line test, which is New Zealand's version of a capital gains tax. While seemingly clear cut – sell a property (other than your own home) within 5 years and you'll be taxed – there are many fishhooks.  For instance, if you show a pattern of buying and flipping your own home then you will be taxed on those transactions. If you inherit a property with a sibling but purchase your siblings half, then any gains on the extra 50% of the property are taxable if you sell within 5 years ... and then there's tainting.  We also discuss our upcoming property investment webinar, where three real investors are going to share their stories and numbers. This is happening on Tuesday 1st September at 7pm. Use the link above to register.

In this episode, we discuss whether the number of bedrooms a property has impacts its capital growth. This is based on data shared by us by Core Logic, which was recently published in JUNO investing magazine. We reach the conclusion that for apartments it makes a difference moving from 1 bedroom to 2 bedrooms, but for other numbers of bedrooms, or other property types ... it doesn't make that much of a difference. We also discuss our upcoming property investment webinar,  where 3 real property investors are going to share their property investment stories and numbers so that we can learn from their experience. This is happening on 1`st September at 7pm, so register through the above link to attend.

In this episode, we discuss the board game, Monopoly and what real investors can learn from playing the game. Some real-life lessons include:  inflation – buy up big early in the game because you know the value of properties will go up over time as they become more valuable managing cash – not developing your properties too much too soon, in case you can't meet an unexpected expense, and negotiation – people are much more willing to negotiate when they are in straightened circumstances.  Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we discuss 3 real properties that Andrew is currently investing in the Auckland market. Andrew shares his rationale for these investments and his process for finding and procuring them.  In addition to this, he walks us through why he is investing in these properties BEFORE even going to look at them. Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we are joined by Councillor James Gough, who is a councillor for Christchurch City Council. Here we talk about major projects happening within the city and how it is expected to impact rental and housing demand there.  We also discuss the developer contribution scheme that Christchurch City Council currently has in play, how it works and the impact for housing in the city.  Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we are joined by Councillor James Gough, who is a councillor for Christchurch City Council. Here we talk about some Christchurch specific projects that are currently in play.  We discuss how to tell the difference between Council spin and Council projects that will be a 'win' for you as a property investor. We also get an update on Project 8011, CCC's main residential response as part of the Central City Action Plan. Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we discuss several strategies that have recently surfaced from investors from New Zealanders both overseas and in the mainland.  Here, Andrew and Ed discuss why you need to be clear about what your strategy is and what it isn't, specifically in the context of a couple of different scenarios. Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we discuss what happens if you lie to the bank and how to talk to the bank when they ask you what extra lending is for.  When you apply for lending from your bank so that you can use it as the deposit for a mortgage from another, both banks will assess all the lending you plan to take out. And you need to pass BOTH bank's servicing tests.  Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we discuss a listener question about whether you should buy a house when you have to move away temporarily for work ... along with what you need to think about.  We particularly dig into the difference between interest-only and principal and interest mortgage payments and how these are treated by the IRD. We also dig into some of the personal considerations these investors may want to think through.  Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.

In this episode, we discuss the Real Estate Insitute of New Zealand house price index, along with why it's important, how it's calculated and how to read it. We also compare the index to changes in the median house price, so you can see how the two metrics tend to work.  Finally, we discuss our upcoming Live Podcast Tour, which is happening mid-September in: Christchurch, Wellington and Auckland. Click on the links to register for your free ticket.