The Property Academy Podcast

In this episode, we discuss 3 things you can do to prepare in case times get tough financially: Build up a 'mojo' or emergency savings accounts. Initially set this up with $2,000. Then, when you can, build it up to 3 months worth of expenses. This will give you added confidence that you can weather financial storms, and allows you to take more risk Get revolving credit accounts in place. These will allow you to turn the equity in your home or property portfolio into cash when you need it Build a savings habit, and know exactly what it costs to run yourself and keep yourself alive. You need to know exactly how much you are saving each week, which will allow you to more quickly respond to your own, or others' needs. We also mention our upcoming property investment webinar. These webinars happen every Tuesday, and you are more than welcome to pop-in, or register and receive the recording the following day.

In this episode, we discuss what "Good Fundamentals" actually means. It's common to hear that you should buy properties in areas with 'good fundamentals', but often it's not defined what that actually means.  For us it means: high population growth tight supply high demand high average incomes low unemployment and a diversified economy We also walk through the data showing which of New Zealand's regions tend to have these good fundamentals. If you'd like to explore the data mentioned in the episode, then check out our analysis of the NZ property market.

In this episode, we discuss the tradeoff that is typically made between capital growth and cashflow (also known as yield) in property investment.  In particular, we deep dive into the reasons why yield properties tend to get lower capital growth and vice versa. We also mention our upcoming property investment webinar, which is happening on Tuesday at 7pm. If you'd like to attend, you can register using the link 👈

In this episode, we are once again joined by Darcy Ungaro from Ungaro and Co. and the NZ Everyday Investor Podcast. Here, we discuss how investor behaviour is changing. Falling interest rates are causing investors to look at higher risk assets in order to get a return on their investment. This decreases yields in general and forces all investors to move towards slightly riskier assets than they were previously investing in.  If you are keen to listen to a recent NZ Everyday Investor Podcast episode with Andrew and Ed, then click here if you listen on Apple Podcasts, or here is you listen on Spotify.

In this episode, we are joined by Darcy Ungaro from the NZ Everyday Investor Podcast. Within the show we pick up on the trend where more New Zealanders are using mortgage brokers. ANZ has announced that almost 50% of their new lending is through mortgage brokers.  We discuss why this trend is occurring and how to pick a good mortgage broker.  If you are keen to listen to a recent NZ Everday Investor Podcast episode with Andrew and Ed, then click here if you listen on Apple Podcasts, or here is you listen on Spotify.

In this episode, we are joined by Darcy Ungaro from Ungaro and Co and the NZ Everyday Investor Podcast to talk about whether it's easy or hard to get money from banks right now.  Darcy reveals that while banks are increasingly pushing mortgage applications through faster, lending institutions are still conservative – especially as incomes are reduced due to the Covid-19 shutdown.  If you are keen to listen to a recent NZ Everday Investor Podcast episode with Andrew and Ed, then click here if you listen on Apple Podcasts, or here is you listen on Spotify.

In this episode, we discuss the numbers you really should be looking at when you invest in property ... Return on Equity and Return on Cash.  When you invest in property there are two parts to your investment – the equity you initially put in, and then any cash you invest to top up the mortgage. It makes sense then to base your investments on these two factors, given that we each have a limited amount of cash and equity.  We also mention our upcoming property investment webinar, which is happening next Tuesday at 7pm. Sign up to here. 

In this episode, we talk about what to look for when choosing a developer for an investment property. This is something close to our hearts as it is what Opes does day in and day out.  We also dig into some of the claims that particular developers make, particularly around the world population and the correlation with New Zealand house prices.  Finally, we mention our upcoming property investment webinar, and it would be great if you could make it along. This is happening next Tuesday at 7pm. 

In this episode, we discuss the RBNZ's recently announced LVR changes and what they mean for property investors in New Zealand. We also discuss what a high LVR loan means for borrowers in terms of additional costs. For instance, often when a borrower takes on the lending of more than 80% of the value of a property, they will either pay an upfront fee ... or a higher interest rate. We also mention our upcoming property investment webinar, which will teach you how to create passive income through property investment.

In this episode, we discuss how many properties New Zealand investors really own, and the distribution of those investors.  What we found is that in 2015: 104,357 investors owned just 1 property, which is 79.68% of all investors 22,914 investors owned between 2-5 properties, which is 17.5% of the total 2,455 investors owned between 6-20 properties, which is 1.87% of the total 457 investors owned between 21-50 properties, which is 0.35% of all investors 488 investors owned between 51-200 properties, which is 0.37% of the total, and 293 investors owned over 200 properties, which is 0.22% of all investors.  We currently have an updated Official Information Act request in with the Ministry of Business, Innovation and Employment to update these figures. We also mention our upcoming property investment webinar, which is being held this Tuesday at 7pm. You can sign up using the previous link.