In this episode, we discuss bank lending on apartments, and the minimum square metre size requirements to get a home loan. 

Each bank has slightly different lending regulations, but as of the publishing date the minimum standards are generally:

A bank may also not lend on your apartment if they've already met their internal lending limit on a building. So if one bank has 25% market share, they generally won't want more than 25% of the lending on that apartment block while it's in development. That's because if something was to go wrong with the development, the bank would have too much exposure. 

We also plugged our 9,500-word guide to mortgages, the Epic Guide to Mortgages. This is the guide that will teach you both how to get a mortgage and pay it off in 2020. 

In this episode, we discuss which suburb prices grew the fastest in the Auckland property market over the last 20-odd years. 

We discuss the trends in house price growth, specifically identifying that suburbs in the inner-city tend to grow the slowest on average because they are full of apartments, which don't grow as quickly. There are hot spots in the inner-west suburbs, and that tends to be true for most central Auckland suburbs.

On the other hand, suburbs on the outskirts of Auckland tend to grow more slowly. 

We also go through individual suburbs to highlight the amazing property price growth Auckland has had over the last few decades. 

To view the interactive map discussed in the show, be sure to go to our report.

In this episode, we discuss 8 places we get our data from so we can make better property investment decisions. The 8 sources are:

All of these sources put together help us to build a picture of where we should invest, and what sorts of properties should be recommended to every day Kiwis.

In this episode, we discuss the concept of buying property with "no money down". This is where you are able to use the equity within your own home to secure the deposit for an investment property. 

This means that you will not have to put in any cash as the deposit to purchase an investment. Popular as part of property investment infomercials from our child-hood, we discuss how this property investment strategy actually works and how to make the most of it. 

We also mentioned our equity calculator, where you can see how much use-able equity is available within your property. 

In this episode, we discuss the Reserve Bank's decision to leave the OCR unchanged at a record low of 1.0%. 

There were 3 factors identified in the decision:

All of these factors are considered inflationary and are having a positive impact on economic growth. Decreasing the OCR further would likely add more inflationary pressure than the Reserve Bank would like, given that it is currently meeting its inflation and employment targets. 

We also discussed the Epic Guide to Mortgages, this is a 9,500-word guide which teaches you both how to get a mortgage and pay it off in today's market. 

In this episode, we discuss the three ways to make money in property investment. These are:

We also mentioned our property investor quiz, this 7-question quiz will show you whether you are financially in the position where you can invest. 

In this episode, we review the book "20 Properties in One Year" by Graeme Fowler. In the book, Graeme talks about yield v.s. capital growth, and we discuss this dynamic. 

We also discuss some of the key principles discussed in the book.

We also mention the property investor quiz, where you can get an instant answer about whether you are in a position to invest, based on your numbers right now. 

In this episode, we discuss the crucial elements of a property investment cashflow statement and compare 2 different cashflow statements for the same property – one for a standard residential lease and the other as an AirBNB.

The core costs on any cashflow statement are:

Airbnbs will also have internet and electricity, as well as higher maintenance and interest costs as you will need to provide additional chattels within the property. 

We also talk about the property investor quiz, this 7-question financial quiz will give you a full report on your numbers, as well as a 'yes', 'no', or 'maybe' answer as to whether you are in a position to invest in property right now. 

In this episode, we discuss 7 things you can look for when choosing to purchase an investment property from a developer. 

It's increasingly popular for investors to add new properties to their portfolio. You can do this either by using a property coach, or through a property developer. Here are the 7 things to look for if you decide to do it yourself:

We also mention the property investor quiz. This 7-question quiz can give you a yes, no or maybe answer about whether you're in a position to invest in property. It will also generate a full report about what your numbers mean. 

In this episode, we discuss why you need to make more money ... and why building your wealth is not a bad thing. 

Some people in modern society think that building wealth is a bad thing ... something that's not desirable. We suggest thinking about your long term goals and considering whether you'll be able to achieve them without building your wealth – and if not whether you can do something about it. 

We also mention the Property Investor Quiz, these 7 questions will give you an indication of whether you are in a position where you can invest in property – along with a full report about what your numbers mean.