Claim OwnershipThe Property Academy Podcast
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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.
It's hosted by Ed and Andrew from Opes Partners.
Ok, now for the legal bit. The Property Academy Podcast is for your general information. It’s not financial advice.
So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong. Make sure you do your own research or talk to a financial adviser before making any investment decisions.
It's hosted by Ed and Andrew from Opes Partners.
Ok, now for the legal bit. The Property Academy Podcast is for your general information. It’s not financial advice.
So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong. Make sure you do your own research or talk to a financial adviser before making any investment decisions.
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When a tenant stops paying rent, it can feel like a nightmare.In this episode, Ed and Andrew walk you through exactly what to do (and when) so you can protect your cash flow and your property. They share real stories from landlords about tenants who vanished without notice or only paid when repeatedly chased.You’ll learn:The 3-step process to follow when a tenant misses rentThe 3 tactics every landlord should use to safeguard their mortgage paymentsHow landlord insurance can cover you when things really go wrongIf you want a clear, step-by-step process to follow, this episode is for you – and it starts the very first day a payment is missed.In this episode we mention the Landlord Lifeline podcast we did, listen to that for more in depth information on how to cover yourself for these sorts of situations.Don't forget to create your free Opes+ account here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Building your own home sounds like a dream, but getting the bank on board is often the hardest part. In this episode, Ed and Andrew break down exactly how to secure finance if you want to go DIY, including what deposit you’ll need, how the money gets released, and the big risks banks worry about.You’ll learn:Why most banks get nervous when you pick up the hammer yourselfThe 3 key risks (completion, compliance, and valuation) you’ll need to managePractical strategies that make banks more likely to say yesIf you’re considering building your own home, this episode gives you the tools to understand how lenders assess the risk — and how to set yourself up for success.Don't forget to create your free Opes+ account here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Not all property markets are created equal. Some regions are booming… while others are ticking time bombs. In this episode, Ed and Andrew hunt for the single riskiest place in New Zealand to buy property – and reveal the three warning signs that should make any investor think twice.You’ll learn:The 3 types of risk that can crush your returnsThe regions that top each categoryWhy one region ticks every risk box – and why you should steer clearIf you want to avoid buying in the wrong place and protect your portfolio, this episode gives you the red flags to watch out for.Sign up for the monthly Property Market Report straight to your inbox.And click here if you want to book a free meeting with one of our Financial Advisers.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Josie’s property journey has had its fair share of twists. From saving her first house deposit while on her OE to buying her first rental in Christchurch, only to have it hit by the earthquakes and sold “as is, where is”.In this episode, she shares how she and her husband built a portfolio of 2.5 investment properties, and the tough call of whether to reduce debt or keep buying.You’ll learn:How Josie saved her first deposit overseas and got on the ladderWhy she sold her first Christchurch property after the quakes — and turned the payout into a Queenstown spec buildWhat investing with friends taught herThis case study shows that persistence and smart choices can keep you moving forward even when plans derail.Don't forget to create your free Opes+ account here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
The Foreign Buyer Ban has been one of New Zealand’s most controversial housing policies. The National-led government has changed the rules.In this episode, Ed and Andrew are joined by Mark Harris (Managing Director of NZ Sotheby’s International Realty) to unpack what this really means.You’ll learn:Who can now legally buy property in NZ under the new rulesThe types of homes that overseas buyers are targetingWhy this is unlikely to affect first-home buyersThis episode delves into the policy's fine print, separating hype from reality and asking whether everyday investors should even care.Don't forget to create your free Opes+ account here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
In this episode, we discuss the Green Party's new Wealth Tax policy. We look at how this policy would impact property investors if implemented.
This includes how one investor's effective tax rate would rise from 2up to 98%.
This gives you the facts so you can make an informed decision about whether to invest and what policies to support in the upcoming election.
In this episode, we are joined by Ilse Wolfe to discuss a case study of an investor who purchased a property for less than $300k.
We talk through where the property was, the condition it was in, and how long it sat on the market.
So if you're looking for a screaming good deal as a renovations-focussed property investor, this is the episode to listen to.
Ilse also walks us through what renovations the investors did ... and how much money they made.
Is $100k enough to retire? What about $250k, $500k… or even $1 million?In this episode, Ed and Andrew run the numbers on what different retirement balances actually buy you – assuming a mortgage-free couple both receiving NZ Super.You’ll learn:What lifestyle $100k, $250k, $500k and $1M can realistically fund in retirementThe three spending stages of retirementThe single factor that changes the maths more than anything elseThe biggest variable isn’t your KiwiSaver balance, it’s whether you own your home outright. That one factor can make or break your retirement maths.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
How do you build a 4-property portfolio by your late 30s… when you started with a lifestyle block and made a bunch of it up as you went?In this Case Study Sunday, Ed and Andrew sit down with Adam and Nicole from Ashburton, to unpack how they went from their first home build to three rentals, and the money mindset shift that changed how they play the game.You’ll learn:What they’d do differently if they could start investing againHow they used bank pre-approval + a tiny Ashburton market to buy a rentalThe key mindset changeIf you’ve been trying to do everything yourself – or you’re torn between “pay off the mortgage fast” and “buy the next property” – this episode will help you see how real investors balance both.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Most people think non-bank lenders are just the “last resort.” But some of their loan products are surprisingly creative ... and can unlock deals that banks simply won’t touch.In this episode, Ed and Andrew break down some of the most interesting non-bank loan products available to Kiwi borrowers today.You’ll learn:The 5 most creative non-bank loan products and who they’re actually designed forWhat non-bank lending really costs How these loans help investors, developers, and self-employed borrowers This episode explores the tools banks don’t offer, and explains when they might actually make sense for property investors.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
What actually breaks in a rental, and what does it really cost?In this episode, Ed and Andrew walk through a rental property room by room to show what landlords actually end up fixing ... and the real NZ dollar figures behind it.You’ll learn:The most common things that break in kitchens, bathrooms, bedrooms and outsideHow much maintenance really costsWhy some years cost nothing, and others cost $8,000The key takeaway? Maintenance isn’t constant ... it’s lumpy. The smart move is to budget for it every year so the surprises don’t derail your returns.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
War in the Middle East might feel far away ... but it could still affect the interest rate on your mortgage.In this episode, Ed and Andrew break down what the conflict involving Iran means for global oil prices, inflation, and the future of interest rates in New Zealand. You’ll learn:How the Iranian war impacts the cost of your mortgage Could interest rates really rise How high the price of petrol could goThis episode explains how the ripple effect could influence the OCR, mortgage rates, and whether fixing your loan for longer terms might start to make more sense.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Property investors get called everything from “parasites” to “rent thieves.” But what do landlords actually contribute to New Zealand’s economy?In this episode, Ed and Andrew interview Matt Ball from the NZ Property Investors Federation about new research that quantifies the real economic impact of property investors across the country. You’ll learn:How much do property investors really contribute to the NZ economy How landlord spending on maintenance and new builds supports more than 126k jobs across the countryWhy property investment creates a “ripple effect” that touches almost every industryWhether you love property investors or hate them, this episode digs into the real data behind their economic impact ... and it challenges the common idea that landlords simply collect rent without contributing anything.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
How old is too old to buy a property?In this episode, Ed and Andrew break down what banks really think about age, and why turning 60 (or even 70) doesn’t automatically mean you’re out of the game.You’ll learn:Why age isn’t the real issue What it looks like for both buying your own home and an investment property Real scenarios showing what older Kiwis would need to get approvedThe short answer? Your 50s are absolutely not too late. Your early 60s can still work with the right structure. Late 60s and beyond gets harder ... but for the right borrower with a clear repayment strategy, it’s not impossible.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
House prices are down 16% from the peak ... and even further once you adjust for inflation.So… is something broken?In this episode, Ed and Andrew unpack what’s really going on in the NZ property market, and why a flat market isn’t as unusual (or as scary) as it feels.You’ll learn:Why flat property markets typically last 4 to 5 years between boomsHow affordability is quietly improving while prices go nowhereHow investors can still build wealth ... even if prices only rise with inflationAnd here’s the key: even if prices only track inflation, leverage and debt reduction can still deliver strong returns. A flat headline doesn’t mean a flat outcome – especially when you understand how the numbers actually work.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
She lost her first deposit. Fought a builder. Held land for 12 years. And still came back to property investing. In this Case Study Sunday episode, Sheryn joins the show from rural Greece to share the raw, honest story behind her investing journey and why she’s now taking a mini-retirement in her 40s.You’ll learn:The one major move that changed her money life How she’s started her mini-retirement in her 40’s The one true love in this investor’s lifeThis is a grounded, honest look at resilience, reinvention, and what happens when you decide your time is worth more than just another pay cheque.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
How many houses can you actually buy?In this episode, Ed and Andrew run three real-life scenarios through a bank-style modelling tool to show what’s genuinely possible ... and why most people either underestimate or overestimate their borrowing power.You’ll learn:How many properties could an average Kiwi couple realistically buy over 15 years3 scenarios that show how big these Kiwis could grow their property portfolio How to figure out how many properties you could potentially buyThe key takeaway? It’s not guesswork. With the right modelling and realistic assumptions, you can see exactly how many properties you could buy, when you could buy them, and what needs to change to move faster.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Are home buyers secretly breaking the Reserve Bank’s rules?In this episode, Ed fact-checks Andrew and dives into the data to reveal just how many Kiwis are legally borrowing outside the standard deposit and debt-to-income limits.You’ll learn:How many first home buyers are purchasing with less than a 20% depositThe real percentage of borrowers going above the 6x and 7x debt-to-income “limits”How to grow your portfolio faster … by working around the rulesThe key takeaway? The Reserve Bank sets speed limits, not brick walls. If you don’t quite fit the “standard” criteria, it doesn’t automatically mean no ... but it does mean you need to understand how the rules actually work.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Non-banks used to feel like a last resort.Not anymore.In this episode, Ed and Andrew break down when property investors actually use non-bank lenders ... and why they’re more relevant in 2026 than they’ve been in years.You’ll learn:How investors still buy property when the bank says noWhy non-bank lenders are becoming more competitive againThe 5 real situations where using a non-bank can make senseThe key isn’t avoiding non-banks altogether – it’s understanding your exit strategy before you sign anything.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Is New Zealand actually the easiest country in the world to buy property?In this episode, Ed and Andrew compare NZ’s property system to the UK, Australia, France, and the US – and uncover why buying here is surprisingly simple.You’ll learn:Why NZ is one of the easiest countries in the world to buy propertyThe unusual way our tax and agent system worksThe one thing that’s really, really hard about buying property hereBy comparison, NZ’s system is streamlined and predictable. But “easy to buy” doesn’t mean “easy to afford.” While the process is simple, house prices relative to incomes remain one of the biggest hurdles ... and that’s where the real challenge lies.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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I learned so much about NZ Super. 5 star. Absolutely riveting.
Case Study Sundays are my favorite shows, and this one was awesome ! Loved Te Ahuru's story, really resonated and very inspiring ❤️
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this was one of your guys best ones yet. very good points
Great insight and great info thanks guys!!
So grateful to have such good property investment content that's 100% relevant to NZ! Thank you so much gents and keep up the great work 🤙 Nga mihi
Great insights guys! 👍 I think you may have forgotten to edit the last little bit though 😂