In this episode, you’ll learn the 4, long-term assumptions that Opes uses in its Return on Investment spreadsheet. You’ll also learn our reasons why we use them. You can make any investment property look deceptively good (or bad) by the numbers you use. There are lots of numbers you could change, but only four assumptions (unknowns) make a massive difference to the outcome. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the...

In this episode, you’ll learn the pros and cons of rental guarantees. Importantly, you’ll also learn the 3 problems with them (that you can’t ignore). Right now the property market is slow, particularly for New Builds. So, developers are looking to drum up sales without reducing the price. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn the top 6 uncertainties in property investment. You’ll also get strategies you can use to combat them. All investments come with some risk. If you’re going to improve your life through investment property you need to get comfortable with some level of uncertainty. If you avoid all risk, your returns will likely be small. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes...

In this episode, you’ll learn how New Build properties go up in value compared to existing properties. Investors often worry that New Builds depreciate the same ways new cars do. After all, New Builds aren’t new forever. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn the 5 property features that really matter to homeowners, but that shouldn’t be a big deal to investors. To be fair, it’s not that these factors are irrelevant, but they shouldn’t be at the top of your priority list. It all comes down to using an investor mindset. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn the instances where a developer can – and sometimes will – increase the price of your new build contract. Developers can increase the price of most contracts. But some contracts make it easier than others.  And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn what factors suggest a developer might have a bit more risk than others. This is important because developers aren’t regulated. That means a developer with no experience, and with no finance in place, could set up shop and start selling properties for a 200-unit project. So the onus is on you to weed out the good from the not-so-good. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the...

In this episode, you’ll learn the 5 main factors that will determine how much income you need to buy an investment property. Ultimately, it depends on your personal circumstance. Two people can have the same income, but the bank will lend them different amounts of money. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn the main differences between a residence associate and a body corporate. Essentially they are the same thing, but they incur different fees and apply to different property types.  And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you'll learn our top 5 places to invest and the reasons why. Picking the right city to invest in is just as important (if not more) than picking the right property. This is why all investors wonder: “Where is the best place to invest in New Zealand right now?” And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn what refinancing is, and when it can be the right option for some people. Refinancing is a hot topic at the moment. While interest rates are high, everyone’s out hunting for the best deal possible. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn the 3 strategies you can use to find the right interest rate for you. Interest rates are high. So, a lot of investors ask: “How long should I fix my mortgage interest rate for?” In an uncertain environment what’s better – the 1, 2, 3 or even the 5-year fixed interest rate? And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn the 8 things that can go wrong in investment. This isn’t to scare you off (I hope) but rather to make you a more informed property investor. So you can either a) avoid these traps or b) have a game plan ready for when they do. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn why landlords are generally advised against meth testing. While many investors think any meth-related activity poses a health risk to tenants,  new research indicates this is not the case. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn about the Mortgage Buster – a way to pay down your mortgage more quickly. Over time, your equity and servicing improves organically. But there is a way to speed up the process, to propel you to your next investment sooner.  And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn all about interest-only loans. Property investors often use an interest only when getting a mortgage. These loans help keep mortgage repayments low and cashflow better. But not every investor can get an interest only loan. Just because you want one … doesn’t mean the bank will give you one. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn the top risks that can happen when you choose to invest in New Build properties. Yes, there are a lot of positives to buying New Builds – but it’s not all plain sailing. Things do go wrong. That doesn’t mean New Builds are a bad investment. But you need to know what could go wrong so that you’re not blindsided when the (un)expected happens. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn what a capital gains tax is. Right now, there isn’t any plans to introduce a formal tax. But we’ll discuss how it might affect property investors if it comes in. Some Kiwis argue for a capital gains tax, others oppose it. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn where the most affordable rates are in NZ for property investors. Council rates are your largest operating expense as a property investor. But rates vary for each council area. Some areas have very high rates; others don’t charge as much. This means how much you spend on local council taxes can vary widely based on where you invest. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn what sort of yield you should aim for in Auckland. Spoiler alert, it’s probably lower than you expect. And click ⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn Opes’ top 5 places to invest in the country and the reasons why we’ve picked them. After all, picking the right city to invest in is just as important (if not more) than picking the right property. And click ⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn what tools are available to help you work out where the flood plains are. You’ll also learn what risk this poses to your property, and how to reduce flood risk when property hunting. And click ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn why the affordable 2-bedroom townhouses, is one of the most common investment properties. You’ll also learn some of the pros and cons that go alongside this type of property, and whether it’s the right fit for your portfolio.  And click ⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.

In this episode, you’ll learn the pros to hiring a property manager versus self managing. Many property investors initially see a property manager as an additional expense. While this is true, there are some additional benefits that may make that fee worth it. And click ⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠ to see all the charts and other info in the written article on the Opes website.