The Property Academy Podcast
The Property Academy Podcast is a daily show that provides insight, analysis, and strategies for getting the most out of the New Zealand property market. Hosted by Ed and Andrew from Opes Partners, it offers general information and is not financial advice. Listeners are encouraged to do their own research or consult a financial adviser before making investment decisions.
Episodes
"I Put Solar On My House. Was It Worth It?" (Numbers Breakdown)
One Kiwi put solar on her house 18 months ago... now her power company pays her, and in summer her bill runs negative. So, does solar actually pay off, and does any of it work on a rental?In this episode, Ed and Andrew run the real numbers on home solar. You'll learn:What solar costs now, and how long it takes to pay for itselfThe one rule that decides whether it's worth itWhy it rarely st
This New Law Will Change Property Prices Forever
One party is proposing to tax the land under your house – around $23,000 a year on a typical section, whether you sell or not. So, what would it actually do to house prices, and who wins and loses?In this episode, Ed and Andrew give a fair, unbiased breakdown of TOP's proposed land tax.You'll learn:What a 1.75% land tax would cost you each yearWhy it could push house prices down 10-15%Who benefits
From 2 Suitcases To 29 Flips In 7 Years (Case Study)
Matt and his wife landed in Whanganui from Australia with two suitcases, $30,000, and a couple of credit cards ... no job, no furniture, no one they knew. Seven years on, they've flipped 29 houses. So how did they do it?In this Case Study Sunday, Matt Perks shares the deals, the sacrifices, and the lessons behind it.You'll learn:How these investors arrived in NZ with 2 suitcases and, 7 years later
He Bought At The Worst Possible Moment. Every Year. For 20 Years
We built a tool that's the next best thing to a time machine: put in your birth month and where you live, and it shows what you'd have made if you'd bought earlier.So, does buying earlier always win? Not always... and that's exactly the problem.In this episode, Ed and Andrew put the "wealth vs wait" question to the test. You'll learn:How much extra you could have made by buying five years soonerWh
The Truth About Buying a House at Auction (In The Field Friday)
We record this show in a studio every day. This week, we sat in an Auckland auction room for two hours. So what's it really like to be in the room when the hammer comes down? In this episode, Ed and Andrew take you inside a real auction afternoon, and you'll learn:What an auction room actually looks (and sounds) likeThe tactics we saw real bidders useThe four numbers you should walk into the aucti
322 Apartments With Just 78 Car Parks. Is This The Future Of Auckland?
A developer is building 322 apartments in Morningside ... with just 78 car parks. That's one for every four homes.The locals fear chaos. The developer says the tenants simply won't own cars. So who's right?In this episode, Ed and Andrew dig into the Morningside build-to-rent development and what it says about Auckland's future.You'll learn:Is this the new future for AucklandWhy couldn't the counci
She's A Teacher With 2 Properties By 31. Can She Retire?
Jenna is 31 and already owns two properties... but like most people, she has no idea what she's actually on track for.So, we built her a full Wealth Plan, live, and revealed the number she'd never seen.In this episode, Ed and Andrew build Jenna's plan from scratch, from her perfect day in retirement to the shortfall she's facing.You'll learn:A live demo where we create a wealth plan for a listener
Is The Cheaper House Always The Better Buy? Cheap vs Good
We all know more expensive food is usually better. But with houses, most of us don't have that instinct.So, how do you tell the difference between a low price and a genuinely cheap one?In this episode, Ed and Andrew break down why the cheaper house isn't always the better deal.You'll learn:The difference between a low price and real value (and why it matters)The hidden reasons one house is cheaper
The 5 WORST Places To Buy Property In 2027
Everyone tells you where to buy. Almost nobody tells you where not to.So, we ran three tests across the country to find the five worst places to buy property in 2026.In this episode, Ed and Andrew count down five markets to be wary of, and the surprising thing most of them have in common.You'll learn:The three tests that reveal a risky market: returns, timing, and buildingWhere a term deposit curr
"I Got Hustled Buying My First Home. So I Spent 6 Years Doing THIS" [Case Study]
Eve values property for a living. But on her very first purchase, years before she qualified, she got played.So, what does a valuer see now that the rest of us miss?In this Case Study Sunday, Eve shares her journey from marketing to property valuer, and from first-home buyer to investor.You'll learn:The property valuer who got hustled on her first purchaseWhat a property valuer sees that the rest
Stop Chasing Financial Freedom – Do This Instead
We're all told to chase financial freedom. But for most people, that's 20 years away. Financial peace, on the other hand, could be six months away... and it's available at any income.In this episode, Ed and Andrew explain the difference between the two and the simple systems that buy you peace of mind.You'll learn:Why financial peace matters more than freedom right nowThe research shows that money
The 7 Types of Mortgages – Which One Is Right For You?
Almost every Kiwi walks into a bank and gets the same 30-year table loan. It's the default... and for a lot of people, it's not the best fit.So, what are the other options, and which one should you actually have?In this episode, Ed and Andrew break down the seven genuinely different types of home loans (no, fixed vs. floating doesn't count).You'll learn:The one question that tells you which loan y
Should I Give Up On My Airbnb? A Listener's $20,000 Decision
A listener left us a voice message... he's about to spend $20,000 furnishing a new Airbnb, and he's having second thoughts. So, should he take the punt or turn it into a long-term rental now?In this episode, Ed and Andrew model his exact decision and the GST trap most short-stay owners don't see coming.You'll learn:Should you give up on your Airbnb? Real listener’s scenario … and what he should do
Every Financial Trap You'll Face As Your Wealth Grows
Every stage of building wealth has its own trap. And the thing that got you here is often the thing that stops you from going further. So, which one are you about to walk into?In this episode, Ed and Andrew map the traps at every stage, from your first $1,000 to $2.5 million in equity.You'll learn:The traps hiding at each stage of wealthWhy being too scared of debt can leave a million dollars doin
Never Do This At An Auction – Confessions Of An Auctioneer
An auction is the only way to buy a house where you sign an unconditional contract, in public, in about four minutes.So, what's really going on in the room... and how do you avoid getting played? In this episode, Ed and Andrew sit down with Daniel Coulson – the CEO of Ray White NZ – who's called around 8,000 auctions.You'll learn:The mistakes bidders make at auctionWhat auctioneers can and can't l
How to Borrow More in 2027 (Broker Secrets)
This couple wanted to buy an investment property, but the bank said no. After a few tweaks with a mortgage adviser, they were approved to borrow $580,000 more.In this episode, Ed and Andrew share three real examples of Kiwis who unlocked more borrowing capacity... and the everyday things that quietly drag your capacity down.You'll learn:Why can the bank lend you $80k less in six monthsHow clearing
Blocked By Income, Then By Equity. How They Got Through [Case Study]
First, their income was too low to get the loan. They fixed it ... then the market fell, and suddenly their equity fell short, too.So, how did this couple finally cross the line into their first investment property?In this Case Study Sunday, Steve and Vicky share a 5-year journey of hitting wall after wall and refusing to give up.You'll learn:Why the bank turned them down … and how they change
The Meth House Discount: How Long Can The Stigma Last?
A listener found a bargain: a house where meth was smoked, fully cleaned, and now testing safe. But everyone in town knows its history... and it's on the LIM. So does the stigma ever go? Or is it a "meth house" forever?In this episode, Ed and Andrew dig into the science, the stigma, and the real numbers behind former meth houses. You'll learn:What the science says about meth smoked vs cookedWhy me
Interior Designer Reveals The Renovations That Add Value (And The Ones That Just Cost You Money)
We talk about prices, yields, and interest rates constantly. But what someone pays often depends on how a place feels when they walk in. So, what design mistakes are quietly costing investors money?In this episode, Ed and Andrew are joined by interior designer Kelly Gammie. You'll learn:The 3 biggest interior design mistakes … and what each one costs The renovations that add value and the ones tha
Where House Prices Are Booming Right Now (2026)
Five years ago, every NZ market stood on the same hilltop. Then prices fell into the valley together... and since then, they've gone in completely different directions. So, where are prices actually booming, and where are they still hitting record lows?In this episode, Ed and Andrew count down the fastest-recovering markets, and reveal the North/South divide splitting the country.You'll learn:The
The New Way To Buy A House In NZ?
Two of New Zealand's biggest property sites just launched AI search. Is this the new way to buy a house?We put them to the test to see if AI can actually find you a good investment.In this episode, Ed and Andrew try out the AI tools on TradeMe and realestate.co.nz, from yield hunting to image search.You'll learn:What the new AI searches can do that the old filters couldn'tWhether they
If a Rental Doesn’t Pass This “Test,” Don’t Buy It
One Wellington flip had neighbours pointing boom boxes at it, dumping tyres, and breaking in to steal the appliances. None of that was in the spreadsheet. So, how do you know if a deal can survive when things go wrong?In this episode, Ed and Andrew share the "what if I'm wrong" test – a simple way to stress-test any property before you buy.You'll learn:The five things to checkThe renovation that m
Every NZ Town Ranked By Rental Yield (Worst To Best)
We analysed 57,114 rental properties... to find the highest and lowest rental returns.In this episode, Ed and Andrew count down the five highest-yielding areas, then rank every city from worst to best.You'll learn:The five areas with New Zealand's highest rental yieldsWhy do the big cities consistently have the lowest yieldsThe catch with high-yield small towns, and why gross yield can misleadA hi
From 1 Property To 5 – Here's How She Did It [Case Study]
Sarah bought a home-and-income in South Auckland back in 2006, and years later turned it into a five-townhouse development.So, how did she become a property developer, and what did it really take?In this Case Study Sunday, Sarah shares how she built a seven-property portfolio, even while living overseas.You'll learn:How this investor turned one property into fiveThe challenges she faced when she t
Never Say These 5 Sentences To A Real Estate Agent
The selling agent doesn't work for you. So, what should you say and what should you never give away?In this episode, Ed and Andrew run through the five biggest mistakes buyers make in front of agents, and how to avoid them.You'll learn:Why telling the agent your budget or your "why" costs you moneyThe research-backed power of silence in a negotiationWhether you should ever bid your absolute maximu
Average Net Worth By Age (NZ) – Are You Behind?
Am I behind? It's the question everyone wonders, and almost nobody can answer. So, we paid Stats NZ to crunch the net-worth-by-age data that no one else publishes.In this episode, Ed and Andrew reveal the median wealth at every age and what the numbers really mean.You'll learn:What the typical Kiwi is worth in their 30s, 40s, 50s and beyondWhy whatever you build by 60 is roughly what you retire on
NZ's 6 Biggest Infrastructure Projects – What They Do To House Prices
A new road or railway sounds like a green light for property prices. But not all infrastructure is equal. Some projects open up whole new suburbs. Others just smooth a commute.n this episode, Ed and Andrew run through New Zealand's biggest projects, testing each one against a simple question: Does it open new land? You'll learn:Which projects actually unlock new suburbs, and which just ease traffi
5 Paid-Off Rentals vs. 15 with Mortgages: The Math Will Change How You Invest
One investor owns 15 rentals with mortgages. The other owns 5, mortgage-free. So, who's actually better off and by how much?In this episode, Ed and Andrew run the numbers on both, and the result surprises most people.You'll learn:Why 15 mortgaged rentals can barely pay any cashflowWhy the "worse" properties can produce around 14x more free cashWhen to leverage to build wealth, and when to pay down
Why NZ's Cheapest Towns Are Getting Less Affordable
House prices are down. Interest rates are down. So housing must be affordable again, right?Not everywhere... and the picture is more surprising than you'd think.In this episode, Ed and Andrew compare every district against its long-term average to see where affordability is improving and where it's slipping away.You'll learn:Whether housing is actually more affordable than usual right nowThe place
How Much You ACTUALLY Need To Retire In 2026 [New Tool]
Most Kiwis have never seen their entire financial life on one screen. Wealth rises while they work, then draws down through retirement. So, how much do you actually need to retire in 2026, and could you already have saved too much?In this episode, Ed and Andrew run a real couple's numbers through a new tool to reveal what it really takes.You'll learn:How much do you actually need to retire in 2026
From 0 To 30 Properties In 17 Years – How This Kiwi Accountant Did It
Most property accountants tell people what to do. Peter Taylor actually does it himself.Starting just after the GFC, he's built a portfolio of 19 residential and 10 commercial properties over three decades. In this episode, Ed and Andrew sit down with accountant Peter to hear how he did it.You'll learn:How this property accountant built a portfolio of 30 properties The biggest wins and toughest le
"I Want My Wife To Retire When I Do" – How To Set Money Goals That Actually Work
We're all told to aim for "financial freedom." But what do Kiwis actually want when they get there?We asked 4,381 people, and their real goals are more specific... and more emotional than any calculator captures.In this episode, Ed and Andrew read out the retirement goals Kiwis actually set, and work through what each one really takes.You'll learn:The real, specific goals Kiwis haveWhy standard re
Should I Renovate Houses Or Build New? [Real Numbers]
A couple with the skills and contacts to renovate is weighing it up against a simple build-and-hold. So which actually builds more wealth... and when does renovating stack up?In this episode, Ed and Andrew debate the numbers behind renovating versus building and holding.You'll learn:The four reasons this couple wanted to renovate What the returns really look like over 15 years for each strategyThe
Every Invoice I Paid Buying A House | The Hidden Costs Revealed
Everyone budgets for the deposit. It's the costs on top that catch buyers out. So I pulled out my actual receipts from buying a house, to show what you really spend before you earn a single dollar of rent.In this episode, Ed and Andrew walk through every hidden cost of buying a property, one invoice at a time.You'll learn:The upfront fees most buyers forgetThe money you can spend on houses you nev
5% House Deposit: National's New Policy Explained
National wants to let more first home buyers in with just a 5% deposit and lift the income cap to $300,000.So, how would it actually work, and who does it help?In this episode, Ed and Andrew break down the proposed First Home Loan changes, the numbers, and the risks.You'll learn:How a 5% deposit changes the mathsWho actually benefits from the higher income cap, and who it won't helpHow man
This Will Change How You See A Downturn Forever | Never Waste A Market Dip
"Never let a good crisis go to waste." So what do the best investors actually do when the market falls? In a downturn, mindset is everything.In this episode, Ed and Andrew share stories about investors who didn't waste a dip, and the lessons for property. You'll learn:Never waste a market dip – the 3 stories smart investors live by The manic business partner who knocks on your door every single da
If You Have $600K To Invest In NZ, Listen to THIS
One investor got $80,000 knocked off a new build this week... and that's far from the only discount floating around the market right now. So if you had $600,000 to invest, where would you put it?In this episode, Ed and Andrew break down the price drops happening across the market, why developers are cutting, and where the real opportunities are.You'll learn:The real developer discounts are happeni
He Saved $1,000 A Week. Now He Owns 2 Properties At 28 [Case Study]
Luke moved to New Zealand from Australia, and by 21, he'd bought his first home. So, how did he do it... and why did he then go three months without a bathroom?In this Case Study Sunday, Luke shares how he went from a $7-an-hour apprentice to a homeowner and investor.You'll learn:How he saved hard and got past a "no" from the bank to buy at 21What he learned watching his dad build a four-property
He's 80. He Doubled His Money In 6 Months. | Is Now A Good Time To Buy?
It's easy to look back and spot the perfect time to buy. But read the headlines from back then, and you'd have found every reason not to.So, why does the "perfect time" only ever look perfect in the rear-view mirror?In this episode, Ed and Andrew revisit three moments that turned out to be brilliant times to buy... and how terrifying each one felt at the time.You'll learn:Why the best times to buy
5 NZ Housing Trends You Can't Ignore [2027 Forecast]
One line, right across the Cook Strait, sums up what's happening in the Kiwi housing market. So what's driving the split... and the other shifts quietly reshaping where we live?In this episode, Ed and Andrew count down five housing trends every investor should have on their radar in 2026.You'll learn:Why the South Island is bouncing back while much of the North keeps fallingWhy do we need far more
OCR Up: House Prices To Hit New Low, Reserve Bank Says
The Reserve Bank has moved the OCR again... and its forecast says house prices are about to dip to a new official low. So, is this the real bottom of the market, and when do prices finally recover?In this episode, Ed and Andrew break down what the Reserve Bank did, what it means for mortgage rates, and where house prices go from here.You'll learn:What the Reserve Bank just did to the OCR, and whyW
They Had No Rent For A Year. How these Investors Survived. Landlord Insurance Explained
One burst pipe or one bad tenant can wipe out a year's worth of rent.So, what does landlord insurance actually cover?In this episode, Ed and Andrew are joined by Simon Yarrell from Axico to break it down. You'll learn:The top five things landlords actually claim onThe things you think it covers, but it really doesn'tThe "excess trap" that can turn one incident into several separate excessesInsuran
The End Of Airbnb In NZ? Government's Shock Ruling Explained
A Christchurch couple asked their council if they could Airbnb their apartment. The council said yes... then took them to the Ministry. And the ruling could reshape how Airbnb works across New Zealand.In this episode, Ed and Andrew unpack the MBIE determination that reclassified one apartment, and what it means for every short-term rental.You'll learn:Why an Airbnb can now be legally treated like
8 Jaw-Dropping Money Stats of the Average Kiwi
How much does the average New Zealander earn, owe, and actually have saved? The real numbers are more sobering than you'd think.In this episode, Ed and Andrew run through the numbers on income, debt, savings and KiwiSaver ... and what each one means for you. You'll learn:8 jaw-dropping money stats about the average Kiwi Whether you're ahead of the pack … or behind the average Kiwi The money moves
Case Study: "We Bought a Business With Our Houses. Now Our Business Is Buying Us More Property"
Liivi turned one house into a rental, then used both to buy a business... and now she's using the business to fund even more property. So how far can you take the "one asset buys the next" strategy?In this Case Study Sunday revisit, Liivi catches us up on the boring business she bought and the risky move her broker warned against.You'll learn:How she bought a business using her property equity, wi
Biggest Housing Downturn in 60 Years. Is This Permanent?
Every downturn brings the same claim: the old rules don't apply, and the market has permanently changed. So how do you tell a normal cycle from a genuine structural shift?In this episode, Ed and Andrew tackle a listener's question about whether NZ property is broken... or just in a deep part of the cycle.You'll learn:The difference between a cyclical downturn and a permanent, structural changeWhat
Will The 2026 Election Move House Prices? What 11 Elections Tell Us
With the election on 7 November, plenty of Kiwis are wondering whether to hold off on buying or selling. So does an election actually move the housing market, and who does it affect?In this episode, Ed and Andrew dig into the data on what really happens to prices, sales, and listings around an election.You'll learn:Whether elections actually change house pricesWhy sales dip before an election, and
Does Winter Make It Harder to Find a Tenant? 32 Years of Data Revealed
Every landlord "knows" winter is the worst time to find a tenant. So we counted every new tenancy over the last 32 years to see if it's actually true.In this episode, Ed and Andrew put the winter rental myth to the test, with data and input from three of NZ's biggest property firms.You'll learn:When tenants actually move (and why mid-winter is busier than you'd think)The one month you genuinely sh
7 Things Landlords Miss Between Tenancies (And Pay For Later)
The gap between tenants feels like dead time. It's actually your most valuable few weeks as a landlord. So, what should you do before the next tenant moves in?In this episode, Ed and Andrew run through seven jobs that get your rental let faster and with fewer headaches. You'll learn:The one job landlords skip mostThe chattel trap that can legally force you to replace an applianceWhen the g
The Worst Property Tax Changes Michael Yardney's Seen in 55 Years
Australia's government has just lobbed a major tax change at property investors... scrapping negative gearing and reshaping capital gains tax.So, is it still worth buying across the ditch, and should Australians be eyeing up New Zealand instead? In this episode, Ed and Andrew are joined by Australian property legend Michael Yardney to unpack what it all means. You'll learn:What Australia's negativ
How to spot a BAD house in 60 seconds
Most buyers fall in love with a house before they notice the warning signs. But some of the biggest red flags take about a minute to spot.So, what should you look for the moment you walk in?In this episode, Ed and Andrew count down the 7 signs you're looking at a bad house. You'll learn:How to spot a bad house in 60 seconds The 7 signs you're looking at a bad house The single biggest r
She Was Broke. Now She Owns 10 Rental Properties. This is What Jackie Did
Jackie didn't invest to get rich. She started out of a deep-seated fear of poverty, after a childhood that ran through 10 schools in four countries. So, how did that fear turn into a 10-property portfolio and NZ Landlord of the Year?In this Case Study Sunday, Jackie shares how she went from being too poor to heat her flat at uni to a place of security. You'll learn:The strategies she used to build
4 Retirement Costs Property Investors Always Underestimate
We plan for the fun years of retirement. But the costs that really catch people out come later ... and they can run into six figures. So, what does growing old in New Zealand actually cost?In this episode, Ed and Andrew price up the late-life expenses most people underestimate. You'll learn:The 4 hidden costs that can quietly eat your income in retirementHow much residential care runs, and when th
Property vs Shares vs Gold: 10-Year Returns Ranked (NZ Data)
Shares, property, gold or term deposits ... over the last 30 years, which one actually made you the most money?In this episode, Ed and Andrew rank the best- and worst-performing asset classes over 10-, 20-, and 30-year periods. You'll learn:Which asset class came out on top ... and how close property really wasThe currency trick that quietly inflated Kiwi share returnsWhy the "best"
“The NZ Housing Game Is Over (It’s Not Coming Back)” – Or Is It?
One commentator says the New Zealand housing game is over. A listener asked us to put that claim to the test. So, is the great Kiwi property bet really finished ... or just paused?In this episode, Ed and Andrew stage a five-round debate. You'll learn:Is the NZ housing game over? 5 strongest arguments for why the game is up 5 arguments for why it’s just getting started againOne side bets on 50 year
Election 2026 - How it impacts House Prices
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at "Election 2026 - How it impacts House Prices"In this podcast you'll learn:How elections REALLY impact the property marketEvery party's policy is ranked from smallest to biggest impactThe one thing that matters more than who winsBook a meeting to start your path to
Exposed: Every NZ Property's Secret File. Here's What's In Yours
The council has kept notes on your home since the day it was built ... every consent, every inspection, every pass and every fail. So we ordered the full files on our own properties to see what's really in there.In this episode, Ed and Andrew open up the council "property file" and show you what's worth checking before you buy. You'll learn:What's in the file, and how it differs from a LIMWhether
Rich Dad, Poor Advice? What Robert Kiyosaki Got Right And Wrong
Rich Dad Poor Dad has sold over 32 million copies. BUT it's also been called thin on advice and full of dud predictions. So how much should you actually trust the world's best-selling money book?In this episode, Ed and Andrew put Kiyosaki on trial. You'll learn:The best ideas from Rich Dad Poor Dad that still hold up todayWhere the author misses the markHow to separate the high value from the hype
We Analysed 4,381 Retirement Plans. Here's What Kiwis Really Want
Property investors get painted as greedy speculators and would-be land barons. The data tells a very different story. So, we analysed 4,381 real retirement plans to find out what Kiwis actually want when they invest.In this episode, Ed and Andrew reveal the findings from the Opes Partners What Investors Want Report. You'll learn:The real reasons Kiwis invest How many properties do most investo
From $0 at 18 to 6 Rentals at 43 – Here's What He Did Differently
Rocky flew into Auckland alone at 18, knowing no one and not knowing what to expect. More than 20 years on, he's building a property portfolio designed to own itself. So how did he get here?In this Case Study Sunday, Rocky shares his journey from Burger King and door-to-door sales to property development. You'll learn:How he bought land at 24 and built his first house right through the GFCWhy he s
The Mental Load of a Large Mortgage: 4 Ways To Kill The Fear
The numbers can stack up perfectly ... and a big mortgage can still weigh on you every single day. So, how do you stop the debt from running your life?In this episode, Ed and Andrew tackle a listener's question about the mental side of carrying a large mortgage. You'll learn:The real stories of Kiwis who were petrified by debtThe 4 things that take the fear out of a big mortgageWhy being a little
Are Townhouses Crashing Auckland House Prices? [Based on Data]
Everyone seems to agree Auckland is drowning in townhouses... and that they're dragging the whole market down. But is that actually true, or is it a myth?In this episode, Ed and Andrew are joined by Cotality's Head of Research, Nick Goodall, to test the claim against the data. You'll learn:Whether townhouses really fell harder than standalone houses in AucklandWho's actually buying townhouses (it'
NZ's Next Growth Suburbs: Do House Prices Follow Big Macs And Supermarkets?
There's an old investor line: buy where McDonald's and the supermarkets go, because they've done the homework for you. But do house prices actually follow the big chains ... or is it the other way round?In this episode, Ed and Andrew put the theory to the test, with answers straight from big chains. You'll learn:How much research do the big chains really do before they buildWhether a new store dri
The Right Property to Buy at Every Age (20s to 70s)
A 25-year-old and a 65-year-old shouldn't buy the same property. But some Kiwis never change their strategy as they get older. So what should you actually be buying at each stage of life?In this episode, Ed and Andrew walk through the right property play for every decade, from your 20s to your 70s.You'll learn:Why your age and time horizon should shape what you buyThe shift from chasing growth to
The 3-Step Plan to Kill $59,000 of Debt in 9 Months
Being in debt isn't just a maths problem. It's an emotional one. So if the balances feel overwhelming, where do you actually start?In this episode, Ed and Andrew unpack why debt is more emotional than logical, and the simple steps that actually get you out.You'll learn:Why shame keeps so many people stuck, and how to break itSnowball vs avalanche, and which one does the research say to start withW
How I Would Invest on an AVERAGE NZ SALARY
Ronald Read pumped petrol and swept floors in small-town Vermont. He drove an old car and held his coat together with a safety pin. Nobody had a clue that when he died, he'd leave behind about US$8 million. So how would you do the same on an average Kiwi salary?In this episode, Ed and Andrew map out exactly how they'd invest on a typical household income.You'll learn:How to face the truth about yo
He Started with $6,000. Now He Has 60+ Tenants (And Quit His Job!)
Kerry started back in 2006 with a $6,000 deposit pulled from a credit card. Today, he's aiming for 100 tenancies. So how do you scale that far ... and still keep it a lifestyle?In this Case Study Sunday revisit, Kerry catches us up on his boarding houses, his latest projects, and the lifestyle it's all built to fund.You'll learn:How this investor turned an abandoned doer-upper into a f
How to Invest in Property on One Income – 5 Real Kiwi Stories
When Oliver was 23, earning about $60k, he bought a $728,000 first home in Tauranga ... on his own. The catch? The mortgage, rates and insurance nearly ate his whole salary. So, can you really invest in property on one income?In this episode, Ed and Andrew share real Kiwi case studies of solo buyers and exactly what it takes to make it work.You'll learn:How much income do you actually need to buy
Why High Earners Stay Broke – 3 Traps Kiwis Must Avoid
From the outside, he had it all: a clifftop Mission Bay mansion, sports cars, cocktails in the spa. Then his company collapsed ... and it turned out the house was rented and he owned almost nothing.So how do people earn so much, yet end up with so little?In this episode, Ed and Andrew unpack the high-income illusion. You'll learn:Why income and wealth are two completely different thingsThe 3 traps
How Far Would You Go to Save $100k? The 5 Levels of Savings
Kate dumpster-dives for dinner, washes her clothes in the shower, and hasn't bought new clothes in eight years. She also paid off her apartment in nine months. How far would you go never to need a pay cheque again?In this episode, Ed and Andrew climb a ladder of saving ... and show what each one does to how soon you could stop working.You'll learn:The savings rate that decides whether freedom is d
The Rental Market Just Flipped – Tenant Demand Up 16%
For two years, finding a tenant has been brutal... some property managers have called it the hardest market they've ever seen. But the numbers are quietly shifting, and most investors haven't noticed yet.In this episode, Ed and Andrew dig into the data showing the rental market is finally turning in landlords' favour. You'll learn:The rental market just flipped. Here's what changed. What landlords
Do Commercial Properties Go Up In Value? 20 Years Of Data Revealed
We always say commercial property is about income, not growth. But does it actually go up in value as a house does?In this episode, Ed and Andrew dig into what really drives commercial property values and how the growth stacks up against residential.You'll learn:Whether commercial property grows in value, and by how much over 20 yearsWhy is a commercial building priced completely differently from
When Will House Prices Go Up Again? (Latest Bank Forecasts)
Let's not sugar-coat it: New Zealand is in the longest housing downturn on record. So how much longer does it last, and when do prices actually turn?In this episode, Ed and Andrew line up the forecasts from every major bank, the Reserve Bank and Treasury, and crunch what they really mean for your house price.You'll learn:Just how bad this downturn is compared to the ones you actually rememberWhat
He Bought 4 Rentals By 41 – But This Is Why He's Slowing Down
For his first decade investing, Dean threw everything at paying down debt. Now, at 41 with three kids, he's deliberately easing off. So what changed ... and how do you know when to stop grinding and start enjoying it?In this Case Study Sunday, returning guest Dean shares how his mindset has shifted from chasing debt freedom to building net worth and living in the here and now.You'll learn:How he b
7 Side Hustles NZ Investors Use To Save A Deposit Faster
Most people wait for the perfect idea, the right gear, or a big audience before they start. The truth? You can be earning on the side this week ... with nothing but your phone.In this episode, Ed and Andrew break down the new rules of side hustles and seven ways to make extra cash you can start today.You'll learn:Why you should start with the customer, not the idea7 side hustles you can begin with
The Riskiest Houses Are Making The Most Money (NZ)
Normally, more risk means a lower price. So, flood risk should be a permanent discount hanging over a home. But why are flood-prone properties quietly outgrowing the safe ones?In this episode, Ed and Andrew dig into the Cotality data, and what it really means if you're tempted by a cheaper house with a catch.You'll learn:Why the riskiest homes are growing faster than the safe onesThe affordability
This Property Coach Charged $140k. Then Went Broke
A good property coach can be the best money you ever spend. A bad one can cost you a fortune. The problem? Anyone can call themselves a coach ... so how do you tell the difference?In this episode, Ed and Andrew look at the side of property coaching nobody advertises, and how to protect yourself before handing over thousands.You'll learn:Why a big social media following isn't the same as a real tra
We Went Cash-Only For A Week – Here's What We Learned⎟Ep. 2512
The old-school money advice? Take out cash, put it in an envelope, and that's all you're allowed to spend. So we tried it ... one week, no cards, cash only. No credit, no EFTPOS, no tap-and-go.In this episode, Ed and Andrew recap what a week without cards taught them about how we really spend.You'll learn:The "pain of paying" and why cash makes you think twiceWhere cash is ge
CV vs Market Value: The Mistake Most Buyers Make⎟Ep. 2511
A CV feels official ... so buyers treat it like the property's real value. It isn't. Right now, houses are selling anywhere from 8% below to 20% above CV, depending on the region.In this episode, Ed and Andrew break down what a CV actually is, where houses are beating it, and how to use it without getting burned.You'll learn:What a CV really measures Which regions are selling above CV,
NEVER Buy a Home Before Checking This⎟Ep. 2510
Buying the wrong property can cost you hundreds of thousands of dollars. And sometimes, all it takes is missing one simple check.In this episode, Ed and Andrew reveal the 9 checks every buyer should make before purchasing a home ... from title types and reports to neighbourhood red flags that only show up after you've moved in. You'll learn:The 9 checks that can stop you from buying a mone
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