Mikey Smith

speaker

1,937 appearances 5 recordings 1 series first heard May 2026 last heard 9 Sep

Mikey Smith’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 5 in all, peaking in Sep 2026 with 1.

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Keep The Change · How To Get A Mortgage In New Zealand: Mikey Smith of Guardian Smith · 15 Jul 2026 podcast

And they're coming here and asking us for mortgage advice on how to buy a house in New Zealand.

And this is a noticeable tick up I'm talking about, as in I probably get...

I thank myself, my old self, for doing so many Google reviews because we obviously get Googled a lot and I get at least a call a week from an Australian.

Bits and pieces.

Canterbury seems to be quite popular.

We have all these overseas investment rules and stuff like that, but...

you're an aussie well you kind of get treated like a kiwi in a way um we can do another pot on like how that works for aussies and we'll send it over to australia to listen but you can just call guardian for that we'll explain it to you yeah but yeah um this patch that we're in where first home buyers have been a higher than average market share in terms of being the buyers

I still think there's a window that they can do this, but eventually that window will close.

And we might have, I don't know, a year or two left before they start rising back up again.

But, you know, this is a good time for a first home buyer to get in if they do want to buy a home.

And things have changed, you know, like in the mortgage world these days,

probably the last time we did a pod around like how not to make mistakes and do it right and stuff like that other than just like hauling us directly um you know yeah the the triple cfa is is a complete completely different beast now you know um

probably right through until, I think it was this government that changed it.

Maybe it was the previous government that started unwinding it because it was a bit too harsh.

That actually made things difficult, you know, like line item every single thing on someone's bank statement.

And humans just do that thing where they're like, oh, I'll just go get 600 bucks cash out at the start of the week and do it that way.

And then it's discretionary or whatever.

But these days we can actually say, no, like this ice cream is discretionary or whatever.

And it doesn't get calculated the same way as it did.

So that's made affordability a lot easier.

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