Private Property issue #138 - Servicing test rates vs DTIs
At what point do you have to stop worrying about high interest rates … and turn your attention to DTIs instead? Let’s find out.
Learn More
Private Property Newsletter
Here's an example ☝️
Get exclusive insights into the NZ property market delivered straight to your inbox every Thursday.
Sign me up for the newsletter
Private Property issue #136 - New insurance calculator
Learn about our new insurance calculator and find out the minimum amount of life, trauma, and income protection cover you need
Learn More
Private Property issue #135 - 12 property market predictions for 2025
Here are our 12 property market predictions for next year.
Learn More
Private Property issue #134 - The impact of Trump and the NZ property market
How will Donald Trump’s election win impact your money and investments?
Learn More
Private Property issue #133 - What do renters want?
Just as property prices begin to rise … it’s the rental market’s turn to face challenges. So, investors need to ask themselves: "What are tenants really looking for?"
Learn More
Private Property issue #132 - Which interest rate do I choose?
Interest rates are dropping. Fast. At the last count, ANZ has slashed its 1-year rate 7 times since January. It’s a big deal. But with interest rates dropping, many investors ask me: “Andrew, how long should I fix my interest rate for?”
Learn More
Private Property issue #131 - New inflation data
Find out what the new inflation data means for interest rates and the New Zealand property market.
Learn More
Private Property issue #130 - OCR cut
Yesterday, the Reserve Bank cut the Official Cash Rate (OCR) by a whopping 0.5%. So, what does it mean for your mortgage interest rate?
Learn More
Private Property issue #129 - The future of housing
What does the future of housing look like, and what will it mean for us?
Learn More
Private Property issue #128 - Cashflow
Find out what the cash flow looks like for an investment property today.
Learn More
Private Property issue #127 - Property market update
The Real Estate Institute released new data this week. It shows that house prices were flat in August. That ends a 5-month streak of falling house prices. Here’s a quick recap of the rollercoaster that is the NZ property market.
Learn More
Private Property issue #126
Happy 5th Birthday to the Property Academy Podcast
Learn More
Private property issue #125 - What happens if I can't find a good tenant?
Learn how long it usually takes to get a tenant and what to expect so you don’t have to worry about covering your investment mortgage.
Learn More
Private property issue #124 - Is now a good time to buy?
Find out if now is a good time to buy and see the 4 factors that are changing.
Learn More
Private property issue #123 - What interest rate should I choose?
We discuss how long you should fix your interest rate for: 6-month vs 1-year interest rate.
Learn More
Private property issue #122 - OCR cut
The Reserve Bank has cut the OCR for the first time in 4 years (from 5.5 to 5.25%). But what does it mean for your mortgage? Where will interest rates go? And what does it mean for house prices?
Learn More
Private property issue #121 - July new listings
The bright-line test changed 6 weeks ago. So, some investors can now sell their properties tax-free. So, are more investors selling? I just got new data. This gives us our first real look.
Learn More
Private property issue #120 - Interest rate predictions
Explore the latest interest rate predictions for 2024 and understand their potential impact on your property investments.
Learn More
Private property issue #119 - Could you borrow $400k more?
Learn how upcoming changes in tax cuts, lending criteria, and interest rates could significantly increase your borrowing capacity, making it easier to invest in New Zealand property.
Learn More
Private property issue #118 - Inflation and interest rate drop
New inflation data just came out. Annual inflation is down to 3.3%. But how fast will interest rates come down?
Learn More
Private property issue #117 - What's the chance my property doesn't sell?
What's the chance your house doesn't sell? New de-list data may give us a clue.
Learn More
Private property issue #116 - 3 big changes this week
Discover how 3 big changes this week will affect investors, the market, and property prices.
Learn More
Private property issue #115 - I made a TV show
Learn essential questions to ask when buying investment property, including understanding growth vs. yield investments and identifying potential tenants and buyers.
Learn More
Private property issue #114
We discuss the latest data on NZ house prices, predictions for market trends in 2024 and 2025, and insights on interest rates.
Learn More
Private property issue #113 - New Build vs Existing - Which is the best investment?
What’s better? Investing in New Builds or existing properties? Here are the main benefits and drawbacks
Learn More
Private property issue #112 - Debt-to-income ratios
Discover how the new debt-to-income ratios will impact house prices, mortgage approvals, and property portfolios in New Zealand.
Learn More
Private property issue #111 - The Budget announcement
Analyse the impacts of the latest budget announcement on property investment, including tax cuts, inflation, and interest rates to understand how these changes could affect your investment strategy.
Learn More
Private property issue #110 - OCR update
Understand the Reserve Bank's latest OCR decision and its implications for inflation, interest rates, and house prices to learn how these factors might influence your investment strategy.
Learn More
Private property issue #108 - Property market update
Understand the current property market cycle, including the recovery phase, regional differences, and future predictions for house prices in New Zealand.
Learn More
Private property issue #107 - Buy a house with $0
Discover the No Cash Needed method to buy a house with $0 cash, including real examples and strategies for leveraging existing assets to invest in property.
Learn More
Private property issue #106 - Should Christopher Luxon lower his rent?
Explore whether Christopher Luxon should lower his rent in light of recent tax changes and the potential moral and financial impacts for property investors.
Learn More
Private property issue #105 - Everything going on right now
Learn about the six major changes affecting the property market, including new rules for pet bonds, tax changes, interest rates, mortgage accessibility, and the uneven recovery of house prices in New Zealand.
Learn More
Private property issue #104 - Bankrupt builders
Learn about the recent wave of bankrupt builders and discover strategies to identify and avoid risky developers while taking advantage of potential property investment opportunities.
Learn More
Private property issue #103 - New Airbnb tax
Discover the new 'app tax,' affecting Airbnb property investors with a 5.7% revenue cut. Find out how this tax works.
Learn More
Private Property Issue #102 - New tenant tool
Find out what tenants seek in rental properties with Opes Partners' Tenant Tool. This innovative, free resource answers the common question: 'What sort of person will rent my property?'
Learn More
Private property issue #101 - 3 case studies
Here are 3 of the most inspiring stories I’ve heard recently. They’re all Kiwis who come from humble beginnings. But they're all determined to change their financial future.
Learn More
Private property issue #100 - Interest deductibility: Investors to pay less tax
Property investors will soon pay less tax and make more money. The new government has kept its promise. Interest deductibility will be (mostly) back, starting in 18 days...
Learn More
Private property issue #99 - How long will it take for prices to recover?
Find out how long it will take for house prices to recover.
Learn More
Private property issue #98 - OCR announcement
Turns out ANZ was wrong. The OCR is staying steady at 5.5%. They thought the OCR would go up. But from what the Reserve Bank said … that won’t happen.
Learn More
Private property issue #97 - How much money can you make in property?
Discover how much money you can make in property and how long you need to stay in the property market for to reap the benefits.
Learn More
Private property issue #96 - Interest rates going up?
Last Tuesday, I recorded a podcast with my latest interest rate predictions. This week, I tore them up. The market (and the data) has changed. Here are my updated interest rate predictions –
Learn More
Private Property Issue #95 - Interest rate discount
Find out how much of a discount you can get off your interest rates.
Learn More
Private property issue #94 - DTI's what happens to house prices?
Last week, the Reserve Bank announced debt-to-income restrictions (DTIs). Since the news broke, many investors have asked: “What will happen to house prices?” Let’s look at the numbers and see.
Learn More
Private property issue #93 - DTI changes
The Reserve Bank just announced big changes for property investors.
Learn More
Private property issue #92 - New house price data
New house price data came out at 9am this morning. The numbers show that property prices are bouncing back...
Learn More
Private property issue #91 - A year in review
2023 has been a massive year for property investors. For the last issue of Private Property in 2023, let’s look at everything that happened.
Learn More
Private property issue #90 - What will National do to the bright-line test?
What will National do to the bright-line test?
Learn More
Private property issue #89 - How to make an extra $1 million in property
Learn how our model identifies undervalued areas like Auckland, 9% below market, suggesting a prime investment opportunity.
Learn More
Private property issue #88 - new government, new policies
Last Friday, National, ACT and NZ First dropped 113 pages of documents. So here is what you need to know.
Learn More
Private property issue #87 - 2024 predictions
Here are our 12 property market predictions for next year.
Learn More
Private property issue #86 - Is it still worth investing in 2024?
That is such a good question. You don’t want to buy an investment property and find it doesn’t give you a good return. So, let’s dig into the numbers to see if it’s worth it.
Learn More
Private property issue #85 - How do I spread my risk?
Find out why you can’t just buy in one area.
Learn More
Private property issue #84 - When will I die?
Why do I need to know my ‘death day’?
Learn More
Private property issue #83 - What do tenants actually care about?
What do tenants want? There are three things tenants want...
Learn More
Private property issue #82 - Property investors cashflow to improve
National's election win signals potential tax relief for property investors as interest deductibility rules change (Good news #1). Lower-than-expected inflation also suggests interest rates may have peaked (Good news #2).
Learn More
Private property issue #81 - National vs labour
There’s often a perception that house prices go up faster under National. But is it true? Let’s dig into the data...
Learn More
Private property issue #80 - How do I know for sure my investment property will go up in value?
The answer is you will never know. Not for sure. There is no guarantee. But this question has always bugged me.
Learn More
Private property issue #79 - What's a good gross yield?
I hired someone to get data from TradeMe and OneRoof. This shows us the gross yields investors are willing to accept.
Learn More
Private property issue #78 - How long should I fix my interest rate for?
Here are three strategies you can use to find the right interest rate for you.
Learn More
Private property issue #77 - 10 ways to manage your money
Here are my top 10 ways to manage money.
Learn More
Private property issue #76 - What each political party is offering property investors
Here’s your election update with what each political party is offering property investors.
Learn More
Private property issue #75 - What has cashflow been like in the past?
I’ve dug through my archives to show you how property investment has changed over the last 5 years.
Learn More
Private property issue #73 - The market downturn is over
The market downturn is over. Been and gone according to the Reserve Bank (RBNZ)...
Learn More
Private property issue #72 - How does the election affect the property market?
People always say the election impacts the property market. But is it actually true? I dug into property market data from the past 9 elections to find out. Here’s what I found:
Learn More
Private property issue #71 - Bottom of the market
Right now, most investors ask: “I agree it’s the bottom of the market … But how long do I have?” So, here’s what happened last time property prices fell in 2008.
Learn More
Private property issue #69 - Latest interest rate predictions
Inflation has fallen to 6%. Stats NZ released the new inflation figures yesterday morning. But what does it mean for your mortgage interest rate?
Learn More
Private property issue #68 - Interest rates peaked
Yesterday the Reserve Bank and Stats NZ released new data that will impact the NZ housing market...
Learn More
Private property issue #67 - Property investors back?
The housing market looks like it’s turning. We are now at the bottom of the market. That's my best guess. Here's why...
Learn More
Private property issue #66 - Real life case studies
You're about to hear the stories of two investors who’ve used the Golden Goose and the Nest Egg strategies. They can have a comfortable retirement by investing in property.
Learn More
Private property issue #65 - Trouble with Townhouses
Let’s go through the problems with townhouses so you can decide whether investing in a townhouse is right for you.
Learn More
Private property issue #64 - Today's house price data
The latest house price data came out this morning. Here's what you need to know.
Learn More
Private property issue #63 - How much does it cost to invest in property?
How much does it cost to invest in property? There are 3 main costs that you need to think about...
Learn More
Private property issue #61 - OCR raised
The Reserve Bank has raised the OCR. Again. But, before you start cursing Adrian Orr, the Reserve Bank Governor, you need to know. This was a good news announcement...
Learn More
Private property issue #62 - Policy reversed?
Find out what policy National want to reverse and if it will affect you.
Learn More
Private Property Issue #58 - New builds: 9 costly mistakes
Investing in a New Build property is not for everyone. Don’t get me wrong – New Builds come with benefits. (Of course, I’d say that – my company recommends New Builds as investments). But they also come with extra problems that nobody tells you about.
Learn More
Private property issue #57 - new LVR restrictions
Yesterday the central bank announced they will soon let more Kiwis borrow with lower deposits. They’ll do this by tinkering with the LVR restrictions.
Learn More
Private property issue #56 - inflation coming down
Inflation is on its way down. But … the war is not entirely won yet. New data (released at 11 am this morning) shows the inflation rate fell to 6.7%. That’s down from 7.2% last quarter.
Learn More
Private property issue #55 - DTI regulations on the horizon
This is your warning. The Reserve Bank will probably introduce debt-to-income (DTI) restrictions in the next few years...
Learn More
Private property issue #54 - OCR raised again
Last week, Private Property gave the 5 reasons why they might not turn around this year. This week we talk about the OCR rising (once again).
Learn More
Private property issue #53 - 2023 house prices
Last week, Private Property gave the 6 reasons why house prices could turn around in 2023. To keep things balanced, here are the 5 reasons why they might not turn around this year.
Learn More
Private property issue #52 – house price turnaround?
Here are the 6 reasons why house prices will turn around in 2023.
Learn More
Private property issue #51 - How much income to invest?
Here are four examples of people in different situations with how much income they would need to invest. This will give you a feel for how much income you might need.
Learn More
Private property issue #50 - pak'nsave property investor
You’ll hear two case studies from real property investors. These come from Tuesday night’s Property Live webinar.
Learn More
Private property issue #49 - rental listing mistake
We discuss how some property investors in New Zealand are losing out on potential rental income due to simple mistakes in their TradeMe listings, resulting in properties not renting fast enough.
Learn More
Private property issue #48 - earthquakes aftermath
We discuss the potential impact of Cyclone Gabrielle on the housing market in Hawke's Bay, drawing on the experience of the Christchurch earthquake. And the role of investors in the recovery without exploiting the disaster.
Learn More
Private property issue #47- best places to invest
I’m thinking of buying an investment property … where’s the best place to invest in New Zealand?
Learn More
Private property issue #46 - new build flooding
Sylvie, one of my investors from Invercargill, gave me a call this week. She’s got a new build under construction in South Auckland and was worried about whether her property was damaged. Because she’s a 2-hour flight away, she can’t drive past to look at it. So in case you’re in a similar position, here’s what I told Sylvie and the answers to her questions.
Learn More
Private property issue #45 - auckland floods
Auckland’s floods have caused a wave of problems. Not only have lives been lost and properties destroyed. It also raises many practical questions for property investors...
Learn More
Private property issue #44 - Jacinda's taxes gone?
Yesterday, Chris Hipkins was sworn in as PM after Jacinda Ardern served her resignation last Thursday. And many property investors are thinking: “What impact will it have on the property market?”
Learn More
Private property issue #43 - bottom of the market?
Will the 2023 property market be a sh*t show too? Probably not. Banks and government think house prices will bottom out in 2023 … and start to recover in 2024.
Learn More
Private property issue #42 - year in review
Since this is the last issue of Private Property for the year (we’ll be back in late January), let’s look at everything that happened in 2022.
Learn More
Private property issue #41 - property market downturn
It’s true. House prices are falling. But … when you’re reading these property reports, remember that a significant amount of the house price falls have already happened...
Learn More
Private Property Issue #40 - Higher Interest Rates...
Phew – it’s been a big week in the Kiwi financial market. Here’s what happened...
Learn More
Private property issue #39 - Bottom of the housing market
If you’re looking for a sign that the bottom of the housing market is nearing – here it is. The Reserve Bank announced that they would increase the OCR from 3.5 to 4.25% yesterday...
Learn More
Private property issue #38 - opportunities and drawbacks of the current market
This newsletter aims to show you both the opportunities and drawbacks of the current market.
Learn More
Private Property Issue #37 - Cashflow (Today's market)
Bobbie (an investor I’m working with) recently asked: “Why would I invest in today’s market? I’ll have to top up my property by $400(ish) a week while rates are high.” Find out what I had to say
Learn More
Private property issue #36 – ANZ testing over 8%
As interest rates have risen from the low 2’s to the low 6’s – the banks have also increased their test interest rates. But what does it mean, and how does it impact how much you can borrow?
Learn More
Private property issue #34 - "I was wrong”
I was wrong … everyone was. Interest rates are about to rise. Here’s how to handle it.
Learn More
Private property issue #33- OCR increase again
It happened again. The Reserve Bank announced another OCR hike to 3.5% (up by 0.5%). This is to continue its battle against inflation...
Learn More
Private property issue #32 - buying your first investment property
Here’s a preview of one of the steps you’ll learn at next Tuesday’s webinar – 8 steps to build a passive income and retire on real estate.
Learn More
Private property issue #31 - are there too many townhouses?
“Are there too many townhouses being built?” – investors always ask this question. Townhouses are now 6x more popular than they were a decade ago...
Learn More
Private property issue #30 – how do I run the cashflow?
So … you need to get the cashflow right for an investment property to be successful. But how do you figure it out? Let’s go through the 5 steps – using a real property as an example.
Learn More
Private property issue #29 - interest deductibility repealed?
Is Interest Deductibility going to be repealed if National get in at next year’s election?
Learn More
Private property issue #28 - Negotiating a deal
Find out how to negotiate with a developer to get the best deal.
Learn More
Private property issue #27 - tony alexander's predictions
Our podcasts with Tony begin releasing tomorrow. But here’s a sneak preview, exclusively for Private Property readers.
Learn More
Private property issue #26 - Two significant announcements
The Reserve Bank had the media oozing doom and gloom this week. There were two significant announcements...
Learn More
Private property issue #25 - how to figure out what your property is actually worth
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #25
Learn More
Private property issue #35 - pavlova paradise lost
Many investors think everyone wants the “Kiwi dream.” A big house with an even bigger backyard. And 10 years ago, it looked like that was true. But not anymore...
Learn More
Private property issue #24 - no tenants
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #24
Learn More
Private property issue #23 - more BS headlines
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #23
Learn More
Private property issue #22 - end of capital growth?
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #22
Learn More
Private property issue #21 - best places to invest in NZ
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #21
Learn More
Private property issue #19 - your property mistakes
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #19
Learn More
Private property issue #18 - andrews mistakes
I’ve made so many mistakes in property investment. So, to help you avoid making the same ones, this week, you’ll get the real story. Here are the top 3 mistakes I’ve made and (more importantly) the lessons I’ve learned.
Learn More
Private property issue #17 - fact or fiction?
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #17
Learn More
Private property issue #16 - bad time to buy?
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #16
Learn More
Private property issue #15 - developers going under
Why are some developers folding and how to tell whether a developer is likely to fold (or not) when you buy a new build off the plans
Learn More
Private property issue #14 - House price forecast
Issue #14 11th August '22
Learn More
Private property issue #13 - must include in the cashflow
Issue #13 26th May '22
Learn More
Private property issue #12 - 2 mortgage plays (you need to use)
Issue #12 19th May '22
Learn More
Private property issue #11 - a balanced conversation around inflation
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #11
Learn More
Private property issue #10 - bayleys vs harcourts vs ray white
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #10
Learn More
Private property issue #9 - biggest house price falls
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #9
Learn More
Private property issue #8 - new builds tax advantages
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #8
Learn More
Private property issue #7 - OCR increase explained and reasons not to worry
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday.
Learn More
Private property issue #6 - property vs shares
Issue #6 5th May '22
Learn More
Private property issue #5 - What rent can I charge?
Here are four examples of people in different situations with how much income they would need to invest. This will give you a feel for how much income you might need.
Learn More
Private property issue #4 - predicting interest rates
Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #4
Learn More
Private property issue #3 - lending to get easier
Issue #3 - Giving you exclusive insights into the NZ property market. Sign up to receive this newsletter and it will be delivered to your inbox every Thursday. Issue #3
Learn More
Private property issue #2 - property cycles of each region
House prices have declined. But, it’s not a crash. It’s a ‘correction,’ and a normal part of investing. While the price of most stable assets (a.k.a property) tend to increase over the long-term, there are ups and downs throughout the journey...
Learn More