EP: 2370•8 Mar 2026

From Learner to Mega Landlord The 7 Stages Explained⎟Ep. 2370

About this episode

What level of property investor are you?

In this episode, Ed and Andrew break down the 7 levels of property investment – from complete beginner to mega landlord – and help you figure out exactly where you are (and what it takes to move up).

You’ll learn:

-The 7 stages of property investing ... and which one you’re currently at

-How many Kiwis reach each level

-What’s holding investors back at each stage

Ed and Andrew share how rare the higher levels actually are. and why you might not even need to climb that far to reach your version of financial freedom.

Because here’s the key: the goal isn’t to collect properties. It’s about reaching your destination and then letting time do the heavy lifting.

Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

Related podcasts in this series

EP: 2369
7 Mar 2026
He Started Investing in Shanghai – Now He Develops Across NZ⎟Ep. 2369
What does it look like to invest in Shanghai, build New Zealand’s largest IKEA parallel importing business… and then pivot into commercial property development across the country?
In this Case Study Sunday episode, Sudhir shares his unusual journey through international property, entrepreneurship, and large-scale development.
You’ll learn:
-How Sudhir started investing in Shanghai back in 2007
-How he built NZ’s largest IKEA parallel importer
-Why did he shift into residential and then commercial property development
This is a wide-ranging conversation about thinking bigger, taking calculated risks, and building multiple income streams – not just buying rentals, but creating businesses and developments that scale.
Inspired by today's case study? Find out if you can afford an investment property with our quick quiz.
He Started Investing in Shanghai – Now He Develops Across NZ⎟Ep. 2369
EP: 2368
6 Mar 2026
Sell One Property… Lose the Cash Here’s Why⎟Ep. 2368
Got all your properties with one bank? That could be a problem.
In this episode, Ed and Andrew unpack cross-collateralisation – what it is, why banks love it, and the three biggest risks it creates for property investors.
You’ll learn:
-The 3 biggest risks of having all your properties secured with one bank
-What cross-collateralisation actually means (in plain English)
-Why property investors should cheat on their bank
They also explain split banking – why serious investors spread properties across multiple lenders – and how a dollar-for-dollar refinance can break the cross-security without increasing your loan.
Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here
Sell One Property… Lose the Cash Here’s Why⎟Ep. 2368
EP: 2367
5 Mar 2026
The 4 Ways to Make Retirement Cheaper (or More Expensive)⎟Ep. 2367
Will you need to work until 72… or can you make retirement cheaper than you think?
In this episode, Ed and Andrew unpack the retirement debate – from calls to raise the NZ Super age to surprising data showing many retirees might not need as much as they believe.
You’ll learn:
-The 4 ways to make your retirement significantly cheaper (or more expensive)
-The data showing retirement spending often falls over time
-How property investors use these levers to retire years earlier
Once you understand these four levers, you might realise you don’t need as much as you thought – or you could retire sooner than planned.
Want to find out how much you'll need to save each week until retirement? Use our retirement calculator to find out.
The 4 Ways to Make Retirement Cheaper (or More Expensive)⎟Ep. 2367
EP: 2366
4 Mar 2026
We Bought a Property Together, and Now We Hate Each Other⎟Ep. 2366
We bought a property together… and now we hate each other. It sounds dramatic, but it happens more often than you think.
In this episode, Ed and Andrew unpack three real New Zealand cases where co-ownership went badly wrong — and the one document that could have prevented every single one.
You’ll learn:
-3 true stories of property partnerships that ended up in court
-Why doesn’t the bank care who “stopped paying”
-The simple agreement that could save you years of stress
If you’re thinking about buying with a friend, sibling, partner, or even your in-laws – this episode is a must-listen before you sign anything.Because love is blind, but money isn’t.
Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
We Bought a Property Together, and Now We Hate Each Other⎟Ep. 2366

From Learner to Mega Landlord The 7 Stages Explained⎟Ep. 2370

About this episode

He Started Investing in Shanghai – Now He Develops Across NZ⎟Ep. 2369

Sell One Property… Lose the Cash Here’s Why⎟Ep. 2368

The 4 Ways to Make Retirement Cheaper (or More Expensive)⎟Ep. 2367

We Bought a Property Together, and Now We Hate Each Other⎟Ep. 2366