The Property Academy Podcast
Opes Partners
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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.
Episode
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5 Paid-Off Rentals vs. 15 with Mortgages: The Math Will Change How You Invest 15.09.2026 14mntOne 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 for incomeLeverage builds wealth, but it doesn't pay you. Knowing when to switch is the whole retirement plan.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok -
Why NZ's Cheapest Towns Are Getting Less Affordable 14.09.2026 12mntHouse 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 places getting better fastest, and the ones slipping awayWhy "more affordable" doesn't always mean "affordable"Affordability isn't just a snapshot. It can be a signal of where prices could go next.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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How Much You ACTUALLY Need To Retire In 2026 [New Tool] 13.09.2026 21mntMost 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 2026How to tell if you've already saved too muchThe one screen that shows you your entire financial lifeThe years you can best enjoy your money are often the ones people spend working. Knowing your number is how you get them back.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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From 0 To 30 Properties In 17 Years – How This Kiwi Accountant Did It 12.09.2026 20mntMost 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 lessons from 3 decades of investing The one thing every property investor should knowPeter's edge wasn't a secret strategy. It was buying well, paying down hard, and doing it consistently for 30 years.Want to share your story on Case Study Sunday? Send us a message, email [email protected] more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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"I Want My Wife To Retire When I Do" – How To Set Money Goals That Actually Work 11.09.2026 15mntWe'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 retirement calculators don't work for property investorsWhat it actually takes to fund the life you want"Financial freedom" is vague. The clearer your goal, the easier it is to build a plan that gets you there.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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Should I Renovate Houses Or Build New? [Real Numbers] 10.09.2026 18mntA 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 questions to ask before you pick up a hammer Renovating can work brilliantly... but only when the numbers and your time actually stack up.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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Every Invoice I Paid Buying A House | The Hidden Costs Revealed 09.09.2026 14mntEveryone 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 never even buyWhat it really costs to get a property rentable, and what to budgetThe deposit is only the start. Knowing the true cost is what keeps you out of trouble.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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5% House Deposit: National's New Policy Explained 08.09.2026 16mntNational 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 many extra first home buyers could this policy createA lower deposit gets more people in the door. But borrowing 96% of a home's value comes with real risks worth understanding first.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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This Will Change How You See A Downturn Forever | Never Waste A Market Dip 07.09.2026 12mnt"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 day When the real buying window REALLY appears (it’s not in the crash)The market's quote on your house is only an opinion. What you do with it is the choice that matters.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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If You Have $600K To Invest In NZ, Listen to THIS 06.09.2026 21mntOne 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 happening right now The three reasons developers are cutting pricesWhy the quiet run-up to the election could be a buyer's windowThe real question isn't whether prices are dropping. It's whether you buy the rising market at full price... or the flat market at a discount.Let us know your thoughts by leaving us a voice messageFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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He Saved $1,000 A Week. Now He Owns 2 Properties At 28 [Case Study] 05.09.2026 21mntLuke 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 portfolioWhy did he renovate his first home but buy a new build as his rentalFor Luke, the lesson was simple: take the risk while you're young, and get the right help.Want to share your story on Case Study Sunday? Send us a message, email [email protected]For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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He's 80. He Doubled His Money In 6 Months. | Is Now A Good Time To Buy? 04.09.2026 20mntIt'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 always looked like the worstThe doom headlines that surrounded 2019, 2012, and 2016What an 80-year-old listener learned about timingThere's never a good time to invest, just like there's never a good time to start a business or have kids. And that's exactly the point.Let us know your thoughts by leaving us a voice messageFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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5 NZ Housing Trends You Can't Ignore [2027 Forecast] 03.09.2026 19mntOne 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 homes even without any population growthWhere the real growth is happening (hint: follow the roads)The market is quietly reorganising itself. The investors who spot it early are the ones who benefit.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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OCR Up: House Prices To Hit New Low, Reserve Bank Says 02.09.2026 18mntThe 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 whyWhere mortgage rates could head nextWhen house prices might finally recoverFor buyers, a new bottom could be an opportunity. Just remember, even the Reserve Bank's own forecasts can change in six weeks.Let us know your thoughts by leaving us a voice message on the Property Academy HotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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They Had No Rent For A Year. How these Investors Survived. Landlord Insurance Explained 01.09.2026 24mntOne 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 excessesInsurance is for the sudden and unforeseen, not wear and tear. Knowing exactly what you're covered for is what saves you at claim time.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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The End Of Airbnb In NZ? Government's Shock Ruling Explained 31.08.2026 12mntA 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 a motel or hostelThe novel legal strategy councils are using to crack downWhat's actually happening on the ground, and how far it could spreadIt's one ruling, one apartment, one city. But it's a sign the net around Airbnb is tightening.Let us know your thoughts by leaving us a voice message on the Property Academy hotlineFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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8 Jaw-Dropping Money Stats of the Average Kiwi 30.08.2026 19mntHow 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 you can make todayThe numbers are confronting. But knowing where the average sits is the first step to getting ahead of it.And click here to see who is on the Opes Top 10 financial advisers in NZ list .For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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Case Study: "We Bought a Business With Our Houses. Now Our Business Is Buying Us More Property" 29.08.2026 27mntLiivi 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, with no cash up frontWhy did she deliberately choose a "boring" business The high-risk move she made against her broker's adviceLiivi's story shows the power of using one asset to buy the next... but as Andrew warns, always remember the risks of something going wrong.Want to share your story on Case Study Sunday? Send us a message, email [email protected] more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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Biggest Housing Downturn in 60 Years. Is This Permanent? 28.08.2026 21mntEvery 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 800 years of financial-crisis data says about "this time is different"Three simple tests to judge whether a market has really shiftedMarkets always feel permanently broken at the bottom. Whether this one truly is... that's the question worth testing.Let us know your thoughts by leaving us a voice messageFor more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
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Will The 2026 Election Move House Prices? What 11 Elections Tell Us 27.08.2026 15mntWith 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 what that means for buyersHow big of an impact heading to the polls really makesThe election barely moves prices. But for buyers, that quiet window before November could be an opportunity.
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