{"podcast":{"title":"The Property Academy Podcast","slug":"the-property-academy-podcast-1188781","podcast_index_feed_id":1188781,"rss_url":"https://anchor.fm/s/e26a5a8/podcast/rss","website_url":"https://www.opespartners.co.nz/","image_url":"https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_nologo/2274138/2274138-1681188102275-a09b542f8cbef.jpg","author":"Opes Partners","episode_count":2549,"summary":"The Property Academy Podcast is a daily show that gives you insight, analysis and strategies for how to get the most out of the NZ property market. It's hosted by Ed and Andrew from Opes Partners. 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.","last_synced_at":"2026-07-08T06:19:01.239662+00:00","page_url":"https://stenobird.com/podcast/the-property-academy-podcast-1188781"},"episode":{"title":"The Question Every Investor Gets Wrong⎟Ep. 2443","slug":"the-question-every-investor-gets-wrong-ep-2443","published_at":"2026-05-20T16:00:00+00:00","page_url":"https://stenobird.com/podcast/the-property-academy-podcast-1188781/the-question-every-investor-gets-wrong-ep-2443","show_page_url":"https://stenobird.com/podcast/the-property-academy-podcast-1188781","url":"https://podcasters.spotify.com/pod/show/propertyacademy/episodes/The-Question-Every-Investor-Gets-WrongEp--2443-e3j9vij","audio_url":"https://anchor.fm/s/e26a5a8/podcast/play/119913491/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-4-13%2F9efb4bb9-a766-adb6-5410-fc4e0e720a35.mp3","summary":"Most Kiwis automatically choose a principal-and-interest mortgage. But for investment properties… that’s not always the strategy investors use. In this episode, Ed and Andrew break down the real difference between interest-only vs principal-and-interest lending. You’ll learn: Why many investors prioritise cashflow over paying down rental debt faster The hidden risk when an interest-only term ends The strategies investors use to extend interest-only lending over time Main idea? Interest-only lending isn’t about avoiding debt forever, it’s about where you choose to direct your money. Used well, it can improve flexibility and cashflow. Used poorly, it can create serious pressure later on. For more from Opes Partners: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠","meta_description":"Most Kiwis automatically choose a principal-and-interest mortgage. But for investment properties… that’s not always the strategy investors use. In this ep…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1070,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-property-academy-podcast-1188781/episodes/the-question-every-investor-gets-wrong-ep-2443/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-property-academy-podcast-1188781/the-question-every-investor-gets-wrong-ep-2443.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}