Episodes
In this episode, we discuss how property developers can get their projects off the ground. This includes which buyers to target, how to get pre-sales, where to build your properties and how to know what type of properties to build. We mention a few of our best resources including: Capital growth and yield maps for the Auckland property market The tenant tool Weekly newsletter – Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with...
Published 04/14/24
In this episode, we are joined by Joe, a German who lives in the USA, who is currently investing in NZ property. Joe walks us through why he made the decision to invest in NZ property, rather than over in the USA. He also shares the differences between buying property in Australia vs New Zealand. Free property newsletter – Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people. Delivered to your inbox...
Published 04/13/24
In this episode, we discuss how long a property cycles lasts in New Zealand. We compare property cycles in our major centres vs the regions and share how long each part of the property cycles takes. This includes the boom, the peak, the downturn and the trough. And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm. Want exclusive insights into the NZ property market? Join Andrew Nicol's...
Published 04/12/24
In this episode, we discuss how much investors should spend on property maintenance per year. We go through a couple of examples to show you how much to budget based on how old your property is and the condition. And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm. Want exclusive insights into the NZ property market? Join Andrew Nicol's private property community with the other 30,000 people....
Published 04/11/24
In this episode, we discuss how Kiwis can get the money to flip properties. For this we are joined by John Moody, Chief Financial Officer at Basecorp. They are one of the largest lenders who work with property flippers in New Zealand. John shares which loan applications Basecorp tends to approve (and which they say no to). This is a must listen for any property flippers.
Published 04/10/24
In this episode, we discuss how much more expensive New Builds are compared to existing properties. This is based off new data released from CoreLogic which shows the "New Build premium". We share that New Builds are currently about 5.6% more expensive than existing properties and that this is slightly below the historical average.
Published 04/09/24
In this episode, we discuss different ways of owning land in New Zealand. We cut through the jargon to let you know what terms like freehold, cross lease, unit title and leasehold mean. This includes the differences and what you need to look out for as a home buyer or property investor. And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.
Published 04/08/24
In this episode, we discuss whether it's possible to buy a property with a 10% deposit. We talk about who can get access to this low deposit lending, and what the extra costs and fees are. We also share which banks are more willing to let investors purchase properties with lower deposits. Ultimately, you can use this information to get a sense of whether you should buy a property with a lower deposit.
Published 04/07/24
In this episode, we are joined by Helena and Harish to discuss their property investment journey. This includes how they are handling today's higher interest rates. We also talk about how they stress tested their budget to make sure they could afford the property even if interest rates went up. Want to share your story on Case Study Sunday? Send us a message, email [email protected]
Published 04/06/24
In this episode, we discuss how the weather impacts the property market. This includes all of the seasonal impacts on the property market. We look at whether house prices go down in Winter and when the best time to buy and sell a property is. Ultimately you can use this information to figure out when the best time to buy a property is. And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.
Published 04/05/24
In this episode, we discuss how much vacancy property investors should expect. This includes how often you won't have a tenant and therefore how much rent your property might miss out on. This includes what causes vacancy and how to minimise it. And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.
Published 04/04/24
In this episode, we discuss tiny homes and whether they stack up as a good investment. This includes how much tiny homes cost, what the interest rates are and how you get a mortgage. We also discuss some of the things you'll need to think about if you decide to rent out a tiny home (or buy one for yourself). And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.
Published 04/02/24
In this episode, we are joined by Matthew Gilligan from Gilligan Rowe and Associates to discuss the legacy of Adrian Orr. This includes whether Adrian Orr is the worst Reserve Bank Governor in history, and whether he (and the monetary policy committee) did the right things during the pandemic. Matthew argues that the Reserve Bank Governor messed up. Whereas, Ed argues that the legacy isn't so black and white. After all, it's easy to point fingers after the fact. Ultimately, it's up to...
Published 04/02/24
In this episode, we are joined by Matthew Gilligan from Gilligan Rowe and Associates. Matthew discusses how to protect yourself from property investment disaster with trusts, companies and the right types of structures. This includes how to set up your wills and trusts so that your children, dependents and assets are secure.
Published 04/01/24
In this episode, we discuss how to buy the house your tenants want. This includes giving you our new Opes Tenant Tool. You can use this to figure out what tenants are looking for in your area. That way you can buy the house your tenants are willing to rent. This should lower your vacancy and improve your cashflow.
Published 03/31/24
in this episode, we are joined by Kate and Sean to talk about their property investment journey. We talk about what it's all for, and what they want to get out of property investment. They also share how even though they bought close to the top of the market, they don't mind so much. Now that their house has fallen in value, they wouldn't be able to buy today anyway. Willing to share you story on Case Study Sunday? Let us know – [email protected]
Published 03/30/24
In this episode, we discuss whether you should turn your investment property into an Airbnb. We run the numbers on one of Ed's properties to see how the cashflow compares to a long term rental. We also talk through the steps he'd have to take if he wanted to turn it into an Airbnb. And we also mention our upcoming webinar ⁠⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.
Published 03/29/24
In this episode, we discuss a case study of a property investor who is already retired. He owns a $1 million property without a mortgage, but he only earns $12k in the hand a year. We talk through what he could do to increase his income and the different options available to him. Ultimately, we share several ways he could more than 3x his retirement income. And we also mention our upcoming webinar ⁠⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠⁠ happening on Tuesday 16th April at...
Published 03/28/24
In this episode, we discuss why Heartland bank has the lowest interest rate ... and whether it's worth it. We talk through the catches – like how you can only get it for your own home. And how it really isn't the right fit for property investors. Ultimately, you can use this information to figure out whether it's the right rate for you. And we also mention our upcoming webinar ⁠⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠⁠ happening on Tuesday 16th April at 7pm.
Published 03/27/24
In this episode, we discuss how much less tax property investors will pay once the interest deductibility rules change. This includes looking at different situations to see who will pay a lot less tax, who will pay a bit less tax, and who nothing will change for. And we also mention our upcoming webinar ⁠⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠⁠ happening on Tuesday 16th April at 7pm.
Published 03/26/24
In this episode, we talk about mortgage break fees and how much it costs to break your mortgage. When interest rates start to fall, many Kiwis will ask "is it better to break my loan and take a cheaper rate? We dig through the numbers so you can figure out if it's worth breaking your loan and trying to negotiate a better deal. And we also mention our upcoming webinar ⁠⁠Property Investment Webinar: NZ Tax Edition⁠⁠ happening on Tuesday 16th April at 7pm.
Published 03/25/24
In this episode, we discuss where house prices are bouncing back fastest. We share how some regions are bouncing back quickly (and have even surpassed their Covid peaks). Places like Dunedin are up 9% compared to the bottom of the market, and others like Auckland are almost 6% up. But, some parts of the country haven't crept up much at all. we share where prices are bouncing back fast (and which aren't).
Published 03/24/24
In this episode, we are joined by Heidi and Nath who share how they have just become first time property investors. This includes what went well (and what didn't go to plan). We dig into why they wanted to become property investors in the first place, what it's all for and what they want to get out of property.
Published 03/23/24
In this episode, we discuss National's new interest deductibility rules. This is your definitive guide to the rules, what they are and what they mean. There have been lots of proposals for what the rules should be. So some property investors are confused about what the rules actually are. Here, Ed and Andrew lay down the law and share what the final rules are.
Published 03/22/24
In this episode, we discuss whether property investors just invest for capital growth. We also discuss whether that's unfair. This is after Ed appeared on Newstalk ZB to talk about the latest changes to the tax rules. And we also mention our upcoming webinar ⁠Property Investment Webinar: NZ Tax Edition⁠ happening on Tuesday 16th April at 7pm.
Published 03/21/24