The Property Academy Podcast

In this episode, we discuss the most recent RBNZ Credit Conditions Survey which asks the banks qualitative questions about how they expect the market to perform over the next 6 months and how the market actually performed over the previous 6 months. We also go through the data to see how the banks performed when forecasting how they expect the market to perform and how it actually performed.  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 difference between increases in the median value of a suburbs house price and the median capital growth achieved by investors.  This is a small but important difference when you are making a decision about investing because when using headline figures you can't tell whether value increases have been achieved by new properties being developed or genuine underlying changes in the market.  At the same time, it is important not to discount all data shown using the first method, because some data will also guide you better than none.  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 investors need to know about renting their properties to Housing New Zealand. There are both benefits and drawbacks to having Housing NZ as your tenant.  Typically Housing NZ will look to rent properties that are brand new and high density in lower socio-economic areas. The benefit to the landlord is that the rent is guaranteed by the government agency for up to 10 years with opportunities for right of renewal.  However, the rent reviews are poor, which means the rent you receive overtime will not increase at the same rate as the market.  that means if your costs increase from interest rates, you don't have the ability to pass that cost on to your tenant.  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 fundamentals of investing in commercial property with Jonnie Lyttle from Citadel.  Here, Jonnie shares the three types of commercial property rents, along with the fundamental lessons Jonnie has learnt while investing in commercial property.  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 Jonnie Lyttle from Citadel, who is a commercial property investor and a former commercial real estate agent. Hear, Jonnie shares his story of how he bought his first commercial building within one year of joining the industry, along with the trials and tribulations that it brought with it.  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 new data we've collated that shows how Kiwis set realistic property investment goals based on people who have actually been through the Opes process.  This is a recap of the property investment webinar held on Tuesday evening (find the recording here). You can also find the visualisations discussed so you can find real people like you and see their property goals here. 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 ANZ's latest announcement that they will decrease the servicing test rate from 6.65% to 5.8%. This means that investors can in some instances borrow up to 13%+ more than previously.  This is a major competitive move, and we can expect that other banks will follow now that ANZ uses the lowest servicing test rate in the market.  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 negative interest rates and the potential for New Zealand's OCR to go negative. We cover the fact that a negative OCR does not mean negative retail interest rates ... the bank isn't going to start paying you to take out a mortgage.  We also discuss the OCR and the role it actually plays in New Zealand's financial system ... before giving an example of what this looks like in Switzerland. 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 talk about the good and the bad of investing in individual hotel rooms. This episode comes from recent articles in the media regarding the Sofitel hotel in Auckland's viaduct.  The hotel management company has gone into receivership and room owners are left without rent or income, while still facing mortgage expenses if they have lending secured against 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 discuss how long it takes for shares to catch up with leveraged property from a capital growth perspective.  The key benefit of  leveraged property is that you can invest with more money than you actually have sitting on your personal balance sheet. That means in the medium term you can get better gains than in an equivalent asset class e.g. shares even if they appreciate at a higher rate.  But, eventually, an asset like shares will catch up. In this analysis that's 31 years after you start investing. 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.