In this episode, you’ll learn exactly a Sunset Clause is and why they tend to get a lot of negative press in the media. You’ll also learn some tips for how to negotiate a Sunset Clause, in order to best protect yourself from the developer raising the price on 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 everything you need to know about New Builds. This includes: What a New Builds is, how the tax and financial incentives work, and whether a New Build could be a good investment for your portfolio or for a first home buyer.

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 exactly a non-bank lender is, and how they aren’t the “dodgy cowboys” you may have once thought. As non-bank lenders become more commonplace in a stricter lending environment, you’ll figure out whether or not they could be an option (or solution) for you and your portfolio.

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 my top picks for 5 commonly used non-bank lenders in New Zealand. So, if you're looking for mortgage options outside the mainstream banks, this could be a good starting point.

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 LVRs (Loan to Value Ratio) are, and how they dictate how much deposit you will need to purchase property. You’ll also learn how LVRs change depending on what sort of buyer you are, and how you can work within the rules to borrow with a lower deposit.

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, and how it works in New Zealand as a “lite” version of a capital gains tax. Essentially, if you buy and sell property with the intention of making a profit – you’ll have to pay tax on the difference – unless you abide by the Bright Line rules.

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 it’s important investors know the value of their property. You’ll also learn what sort of property valuations are available, when to use them, and how accurate each one is. Spoiler alert: they’re probably nowhere near as accurate as you might think.

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 the government’s new interest deductibility law, and what property types are “exempt” and “not exempt”. You’ll also learn what the changes to your tax bill will be and how this long-discussed tax law is likely to impact you as a property investor. 

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 some retirement lifestyles look like for retired Kiwis and what they cost. Most investors believe they won't have enough in retirement, but they want to avoid thinking about how big the number is. 

Is it $1 million? $2 million? By learning how much different lifestyles cost, you can make a more informed decision about what sort of retirement you would like to aim for.

In this episode, you’ll learn why a whopping 42% of seasoned property investors choose to use an interest-only mortgage, even though these borrowers – ironically – end up paying more interest over time. You’ll also learn how an interest-only loan can help you build your portfolio more quickly and if the bank will consider approving your application.

Read the article and try our Interest Only Mortgage Calculator