In this episode, you’ll learn about the Opes’ Build and Hold strategy. It’s like the Buy and Hold strategy, but with a twist. For investors, it's a lower risk, hands-off strategy that focusses on New Build investment properties. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn some of the benefits of Trauma Insurance and how it provides financial support during serious health issues. You’ll also get an idea of cost, and why this insurance can be an essential part of your financial planning. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn whether or not a falling market is a good time to buy, sell, wait or invest. The right answer will be different for everyone, depending on what your property goals are. And click here to see all the charts and other info in the written article on the Opes website.
In this episode, you’ll learn what the bright line test is, who it applies to, and what the recent changes are. As of July 1, the bright-line test is 2 years. This means, if you buy a residential property and then sell it within 2 years of owning it, you may have to pay tax. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn the top 5 things you can do as an investor, to get the best possible tenant. It all comes down to buying the right property, doing good research, and keeping up with the maintenance. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn what’s involved in subdividing a piece of land. It’s something that property owners with large backyards often think about. While it can be a very lucrative option, it’s often more expensive and complicated than most expect. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn that there’s no hard age limit to buying an investment property. It’s not uncommon for investors in their 60s to get approved for a mortgage. But there is a bit more admin involved to get the “yes” from the bank. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn whether investing or buying your dream home is the right choice for you. There are two ways to answer this question: 1) with numbers; 2) with emotion. I’ll answer this question both ways. That way, you can make the decision that’s right for you. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn how the property market cycle can be visualised using the property clock. Everyone knows that sometimes property prices increase. Sometimes they decrease. The property clock tells you where we are within these natural market cycles. This means, it can be a tool to help you make better informed investment decisions. And click here to see all the charts and other info in the written article on the Opes webs...
In this episode, you’ll learn how fast rents have increased in New Zealand. This way you can decide what to use when forecasting your investment properties. In New Zealand, over the last 30+ years rents have increased 4.60% annually (on average). But that's an average. Rental increases fluctuate. Sometimes rents will go up faster or slower than average. And click here to see all the charts and other info in the written article on the Op...
In this episode, you’ll learn the 5 most common ways to measure property investment returns. Every investor wants a property that gives the “best” return. But there are lots of ways to measure these returns. There is no single “right” way to do it. Each investment strategy can be successful … depending on how you measure success. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn 10 ways to help manage your investment property top-up. It can feel pretty painful to be a property investor at the moment. The average top-up for a property bought today is $350 to $550 a week. That’s if you’re borrowing all the money to invest. That’s a lot. So many property investors look for ways to free up cashflow. And click here to see all the charts and other info in the written article on the Opes webs...
In this episode, you’ll learn the 4, long-term assumptions that Opes uses in its Return on Investment spreadsheet. You’ll also learn our reasons why we use them. You can make any investment property look deceptively good (or bad) by the numbers you use. There are lots of numbers you could change, but only four assumptions (unknowns) make a massive difference to the outcome. And click here to see all the charts and other info in the written ar...
In this episode, you’ll learn the pros and cons of rental guarantees. Importantly, you’ll also learn the 3 problems with them (that you can’t ignore). Right now the property market is slow, particularly for New Builds. So, developers are looking to drum up sales without reducing the price. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn the top 6 uncertainties in property investment. You’ll also get strategies you can use to combat them. All investments come with some risk. If you’re going to improve your life through investment property you need to get comfortable with some level of uncertainty. If you avoid all risk, your returns will likely be small. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn how New Build properties go up in value compared to existing properties. Investors often worry that New Builds depreciate the same ways new cars do. After all, New Builds aren’t new forever. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn the 5 property features that really matter to homeowners, but that shouldn’t be a big deal to investors. To be fair, it’s not that these factors are irrelevant, but they shouldn’t be at the top of your priority list. It all comes down to using an investor mindset. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn the instances where a developer can – and sometimes will – increase the price of your new build contract. Developers can increase the price of most contracts. But some contracts make it easier than others. And click here to see all the charts and other info in the written article on the Opes website.
In this episode, you’ll learn what factors suggest a developer might have a bit more risk than others. This is important because developers aren’t regulated. That means a developer with no experience, and with no finance in place, could set up shop and start selling properties for a 200-unit project. So the onus is on you to weed out the good from the not-so-good. And click here to see all the charts and other info in the written article on the Opes webs...
In this episode, you’ll learn the 5 main factors that will determine how much income you need to buy an investment property. Ultimately, it depends on your personal circumstance. Two people can have the same income, but the bank will lend them different amounts of money. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn the main differences between a residence associate and a body corporate. Essentially they are the same thing, but they incur different fees and apply to different property types. And click here to see all the charts and other info in the written article on the Opes website.
In this episode, you'll learn our top 5 places to invest and the reasons why. Picking the right city to invest in is just as important (if not more) than picking the right property. This is why all investors wonder: “Where is the best place to invest in New Zealand right now?” And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn what refinancing is, and when it can be the right option for some people. Refinancing is a hot topic at the moment. While interest rates are high, everyone’s out hunting for the best deal possible. And click here to see all the charts and other info in the written article on the Opes website.
In this episode, you’ll learn the 3 strategies you can use to find the right interest rate for you. Interest rates are high. So, a lot of investors ask: “How long should I fix my mortgage interest rate for?” I n an uncertain environment what’s better – the 1, 2, 3 or even the 5-year fixed interest rate? And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn the 8 things that can go wrong in investment. This isn’t to scare you off (I hope) but rather to make you a more informed property investor. So you can either a) avoid these traps or b) have a game plan ready for when they do. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn why landlords are generally advised against meth testing. While many investors think any meth-related activity poses a health risk to tenants, new research indicates this is not the case. And click here to see all the charts and other info in the written article on the Opes website.
In this episode, you’ll learn about the Mortgage Buster – a way to pay down your mortgage more quickly. Over time, your equity and servicing improves organically. But there is a way to speed up the process, to propel you to your next investment sooner. And click here to see all the charts and other info in the written article on the Opes website.
In this episode, you’ll learn all about interest-only loans. Property investors often use an interest only when getting a mortgage. These loans help keep mortgage repayments low and cashflow better. But not every investor can get an interest only loan. Just because you want one … doesn’t mean the bank will give you one. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn the top risks that can happen when you choose to invest in New Build properties. Yes, there are a lot of positives to buying New Builds – but it’s not all plain sailing. Things do go wrong. That doesn’t mean New Builds are a bad investment. But you need to know what could go wrong so that you’re not blindsided when the (un)expected happens. And click here to see all the charts and other info in the written article on the Opes website....
In this episode, you’ll learn what a capital gains tax is. Right now, there isn’t any plans to introduce a formal tax. But we’ll discuss how it might affect property investors if it comes in. Some Kiwis argue for a capital gains tax, others oppose it. And click here to see all the charts and other info in the written article on the Opes website.
