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The Property Academy Podcast is a daily show that gives you insight, analysis and strategies for how to get the most out of the NZ property market. That's whether you're an existing or aspiring property investor, you want to get into your first home, or you're just interested in the property market. Andrew Nicol and Ed McKnight host the podcast. Andrew is the Managing Partner of Opes Partners and a prolific investor himself. Ed is an economist. https://www.opespartners.co.nz/investment/prope ...
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In this episode, we discuss what to do if you’ve accidentally found yourself as a property investor. You’ll learn: How to decide whether to keep or sell a property you didn’t plan to invest in The step-by-step Keep or Quit Quiz to guide your next move And how to set yourself up to buy your dream home (even if you buy a new investment property) If y…
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In this episode, we discuss the “bedroom bluff” — a sneaky trick where sellers advertise more bedrooms than a property really has.You’ll learn: How one woman lost $24,000 by buying a “3-bedroom” that was really just a 1-bedroom How to spot the bedroom bluff before you buy And how to protect yourself from overpaying for a property that doesn’t stack…
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In this episode, we discuss the hidden Airbnb tax trap that could cost property investors over $150,000 — and how to avoid falling into it.You’ll learn: What the trap is and why so many short-term rental owners miss it How to avoid getting caught (and protect your profits) And how to get out of it if you’re already stuck If you’re running an Airbnb…
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In this episode, we discuss whether the government’s RMA reforms could be the policy that kills the housing crisis — or creates a whole new one. You’ll learn: What the new RMA changes actually mean for the property market Whether this could lead to a housing oversupply in some parts of the country And when these changes are expected to kick in and …
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In this episode, we discuss how one investor (Raj) went from earning just $5 an hour to building a property portfolio worth $8.5 million. You’ll hear: How he grew a 12-property portfolio while raising kids and running a business What it really takes to build wealth from scratch•And how he bounced back after losing $1 million in the latest downturn.…
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In this episode, we discuss how to fire your property manager — without the awkward conversations or unnecessary drama. You’ll learn: The exact process for switching property managers (it’s easier than you think) What to watch out for in your management agreement And real-life examples of investors who’ve made the switch smoothly If you’re not gett…
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In this episode, we discuss whether home-and-income properties are a smart way to boost your cashflow — or a financial trap in disguise. You’ll learn: How much capital growth these properties really achieve (based on fresh, never-before-seen data) What kind of income you can expect from them And how to tell if this strategy is right for your invest…
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In this episode, we discuss why investing during a flat property market might be one of the smartest moves you can make — even if it doesn’t feel that way. You’ll learn: Why flat markets often offer hidden opportunities for savvy investors The pros and cons of this approach (and what traps to avoid) What to focus on to stay the course and grow your…
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In this episode, we discuss whether foreign buyers could soon be let back into the New Zealand housing market — and what that might mean for house prices. You’ll learn: Why this policy could be back on the table sooner than you think Whether it could send property prices soaring (again) And what impact it might have on the value of your home As the…
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In this episode, we discuss how to stop the cashflow bleeding on your investment properties — and what to do if you think you’ve made a mistake. You’ll hear: The #1 thing to do if your investment is underperforming•How to tell if it’s time to pivot your strategy or hold the course A real-life case study of an investor who is trying to turn things a…
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In this episode, we discuss how Donald Trump’s proposed tariffs could actually lead to lower mortgage interest rates here in New Zealand. You’ll learn: Why tariffs usually hurt the economy — and the case for why these ones might not be all bad How global events like this flow through to NZ interest rates And how Ed personally lost $6,500 in just 30…
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In this episode, we discuss how one young Kiwi (Phoebe) saved over $100,000 by the age of 21 and bought her first home while earning just $65,000 a year. You’ll hear: How she hustled on the side to grow her deposit faster•The steps she took to buy her first home at just 21 What she’s doing now to crush her mortgage and get ahead even fasterIf you’r…
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In this episode, we discuss New Zealand’s massive insurance problem — and how it could leave homeowners seriously out of pocket when disaster strikes. You’ll hear the shocking story of one Kiwi who was left $350,000 short after their insurance payout didn’t cover the full rebuild cost — plus: What’s behind NZ’s $184 billion underinsurance crisis•Wh…
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In this episode, we discuss the shocking reality of what happens when tenants disappear without warning — and the nightmare some landlords are left to clean up. We share real-life stories of properties abandoned mid-tenancy, and walk you through: What to do when your tenant vanishes•How to legally take back control of your property And how to prote…
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In this episode, we break down the Reserve Bank’s latest move to cut the Official Cash Rate (OCR) – now sitting at 3.5%. You’ll learn: Why the Reserve Bank made the cut (the 5th in a row) What they think about Trump’s new tariffs and how they affect the NZ economy Which banks have already dropped their interest rates – including floating and test r…
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In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at ⁠what if you invested in property but it has lost value since you bought. In this podcast you'll learn: Why does it feel so bad? 3 reasons you shouldn't be so hard on yourself How to tell if your house was a dud We also share some tools to …
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In this episode, we discuss the government’s just-announced changes that make it easier and cheaper to build a granny flat or minor dwelling on your property. These changes could help you: Create extra income to fund your retirement costs Generate an extra $25,000+ in rental income (without buying a new house) We explain what’s changing, how the ne…
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In this episode, we discuss the top personal finance apps in New Zealand. Over two weeks, we tested three of the most popular tools: PocketSmith, Sortme, and YNAB (You Need A Budget). We looked at the cost, features, ease of use, and how well they help you stay on top of your money. You’ll learn: Which app got ★★★★++ and which one flopped The pros …
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In this episode, we discuss how Andrew managed to negotiate a massive $116,000 discount off a property. We also share how much you can realistically shave off a purchase price in today’s market. We break down: The actual data on how much buyers are negotiating off properties in Auckland, Wellington, and Christchurch The discounts you can get off Ne…
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In this episode, we're joined for Case Study Sunday by Elliot. He's a West Coast investor who makes over $100,000 a year from a single Airbnb property in Franz Josef. Elliot breaks down: How much he actually takes home after costs The clever hacks he uses to attract high-paying guests And how he’d do it all again in today’s market. We also unpack w…
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In this episode, we discuss where to begin if you’re brand new to property investment. With over 2,000 episodes in the tank, it can be hard to know where to start. So in this one, we go through the basics of building wealth through property in New Zealand. You’ll learn: Whether you can actually afford to invest (even if you’ve got kids and a mortga…
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In this episode, we discuss the “intention test”. It's a sneaky tax rule that could still land you with a surprise bill from the IRD, even if you’ve owned your investment for decades. You’ll learn: What the intention test is and how it actually works Real-life examples of when it does and doesn’t apply How to protect yourself from accidentally trig…
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In this episode, we discuss what you could do if you had $4 million as a nest egg heading into retirement. They walk through a real scenario (involving a listener's parents), including: How much to spend on a new home How to split your money between shares, funds, and property And how to turn that cash into a reliable, long-lasting income to cover …
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In this episode, we dive into how to get a mortgage for an Airbnb investment. This includes what lenders really think about short-term rental properties. You’ll learn how much the bank might lend you, the conditions they'll give you, and how getting a loan for an Airbnb differs from a standard investment property. For more from Opes Partners: ⁠⁠⁠⁠⁠…
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In this episode, we tackle a tough but important topic: how to rebuild your financial future after a separation or divorce. We share the real-life story of Mary — a listener currently going through a divorce — and walk through her options, from protecting her kids to getting her investment journey back on track. Andrew also shares what he’d do in h…
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In this episode, Ed and Andrew explain why they’ve stopped using TradeMe to find investment properties — and reveal where they’re looking instead. They also share case studies from listeners who bought properties off TradeMe… only to discover they weren’t quite the deals they seemed. You’ll learn how to run the numbers properly, spot the red flags,…
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In this Case Study Sunday, we’re joined by long-time investors Emily and Leighton, who went from zero to seven properties in just 11 years. They share the real (and often chaotic) stories behind the numbers — including the time a house burned down, and the $15 million worth of meth that ended up in their front yard after a car crashed through their…
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In this episode, we explore a trap many property investors fall into: getting caught up in the daily ups and downs of their property’s value. We share real examples of investors who’ve let short-term fluctuations mess with their mindset – and how it’s affected their decision-making (and mental health). You’ll learn why constantly checking your prop…
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In this episode, we dig into a big question: How many property investors actually succeed – and what does success even mean? We break down what financial success looks like in the world of property, share data on how many investors really make it, and explore the key habits that separate the winners from the wannabes. You’ll walk away with a cleare…
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In this episode, we discuss how to figure out whether the prices of your properties are keeping up with the market (or not). This includes how you can use our new Market Mover calculator to figure out how far your house price would have gone up (or dropped) if it followed the market perfectly. We also mention that you really should come along to ou…
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In this episode, we discuss how the New Zealand property market is changing. This includes how NZ's average house prices are changing right now. We go through the differences between actual house price changes and the seasonal effects. This includes why you need to look at seasonally adjusted house price data, rather than just the monthly change. F…
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In this episode, we discuss how ANZ has just changed the way it charges for mortgages. They've slashed the low equity premiums, which makes it cheaper to buy a house with a low deposit. This can save some first home buyers up to $12,000 when they buy with a lower deposit. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠…
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In this episode, we discuss the upside and downside of your big mortgage. That includes how to 5x your returns in property investment and the mortgage magnifier. We talk through how using debt magnifies both your losses and gains and makes them larger. Ultimately, this can help property investors understand how debt can make you more money – but al…
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In this episode, we are joined by Anna Sheehan for another Case Study Sunday. Anna shares her deeply personal story about how her husband got brain cancer and how it has impacted their money life. She talks us through the diagnosis, and what she'd do if she had a time machine and could go back and get insurance. We also mention a few tools you can …
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In this episode, we discuss a case study of a property investor's Mum. She's 3 years away from retirement and is worried about what life looks like when she stops working. She's trying to keep up with her partners (who has more money) and isn't sure what to do next. We walk through a few of her options and what she should do next to get more comfor…
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In this episode, we discuss dollar cost averaging and how to apply this top property investment. This includes how you can make more money investing consistently – rather than holding out for the bottom of the market. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠…
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In this episode, we discuss why property investors need to diversify and think about diversification. This includes how to make the same money (generate the same return) while lowering your risk. And how you practically do this as a property investor in NZ. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for…
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n this episode, we discuss how to deal with bad neighbours. That includes one case where a tenant's neighbours were threatening to poison their dog. We talk through who to call in different situations and a few case studies of when neighbours truly are at war. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up f…
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In this episode, we discuss the exact process to get a mortgage top up. That includes what you can use a mortgage top up for, who you need to talk to, and different ways you can set it up. Ultimately, property investors can use this information to decide whether a mortgage top up is right for them. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠…
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In this episode, we discuss what middle class really means in New Zealand. This includes how much income and wealth you might need to be considered middle class. And if you're not middle class ... what are you? For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠…
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In this episode, we are joined by Laura to discuss how she went from 0 to 5 properties in just over 5 years. That includes how she did it starting on a single income and is now just 32 years old. She shares the highs and the lows and some of the mistakes along the way. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠S…
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In this episode, we discuss whether it's worth dropping $50k on property coaching. That includes how much different companies charge and what you get for it. That includes looking at pricing for companies like: Wolfe Property Coaching, Property Apprentice, Positive Real Estate, Straight-Up Property Investing Tama Singh Asset Lab Finax And many more…
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In this episode, we discuss Finders Fees and how you can make $10,000+ through property ... without actually paying for a house. This includes how property investors can use deeds of nominations and contemporaneous settlements to on-sell properties for a fee. This is a strategy primarily used by land finders and people who want to sell to developer…
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In this episode, we discuss how property investors can use AI to learn about property and plan their property investment portfolios. This includes 3 tools property investors can use right now. That includes ChatGPT, OpesAI and the new version of OpesAI in My Wealth Plan. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠S…
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In this episode, we discuss the Golden Goose Strategy. This is a retirement strategy that property investors can use to fund their retirement costs. This includes how the Golden Goose strategy works in practice, the types of properties you buy, and who you need to work with to do it the right way. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠…
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In this episode, we discuss the Nest Egg strategy. This is a retirement strategy that property investors can use to fund their retirement costs. This includes how the Nest Egg strategy works in practice, the 2 bank accounts you need and the advisers you'll work with. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up…
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In this episode, we discuss how fast rents really go up in NZ. This includes how rents are changing right now, and how fast they usually increase. That way you can get a sense of how often your rent might go up ... and how fast it might go up in the future. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the we…
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In this episode, we are joined by Stacey and Simon from the Manawatu to talk about how they invest in property and how they manage their money. Stacey and Simon share how they have monthly money dates to plan how their money is spent. They also share why they're investing in property at all. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠…
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In this episode, we discuss how to make your property manager increase your rent. This comes after a listener of the show emailed in ... talking about how her property manager hadn't increased the rent of any of her properties over the last 4 years. We go through the Right Rent system, The Cashflow Keep Up strategy, and how to get the data so you c…
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