The Property Academy Podcast

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 you're really looking at
How offset and revolving credit work, and which suits which person
The reducing loan that could save you meaningful interest
The lesson? The interest rate gets all the attention, but the structure of your loan can matter just as much.
Let us know your thoughts by leaving us a voice message on the Property Academy Hotline⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
For more from Opes Partners:
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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
What he'd have to sacrifice if he changed course now
The lesson? The GST decision isn't a formality at the time of purchase. It's a strategic decision.
Let us know your thoughts by leaving us a voice message on the Property Academy Hotline⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
For more from Opes Partners:
⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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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 wealth
Why being too scared of debt can leave a million dollars doing nothing
Why you retire on cash flow, not capital growth
The lesson? Every trap is caused by what worked at the previous stage. Knowing what's coming is how you avoid it.
Want to book a free session with one of our Financial Advisers, then just click here
Let us know your thoughts by leaving us a voice message on the Property Academy Hotline⁠⁠⁠⁠⁠⁠⁠⁠
For more from Opes Partners:
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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 auction
What auctioneers can and can't legally do
Whether the usual auction tricks and tips still work
The lesson? Most people walk into an auction not knowing the rules of the game. Learn them, and you walk in with the upper hand.
Let us know your thoughts by leaving us a voice message on the Property Academy Hotline⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
For more from Opes Partners:
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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 months
How clearing a $10k student loan added $225k of borrowing power
The unused credit card could be costing you a deposit
If the bank says no, it's often not a no forever. Sometimes it's just a number waiting to be moved.
Let us know your thoughts by leaving us a voice message on the Property Academy Hotline⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
For more from Opes Partners:
⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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