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 monthsRecordings per month over the last 12 months — 5 in all, peaking in Sep 2026 with 1.
Appearances
Keep The Change · How To Get A Mortgage In New Zealand: Mikey Smith of Guardian Smith · 15 Jul 2026
podcast
It's wild because like every bank...
has what we call a policy or a credit guide.
And these credit guides that they give us, we're not allowed to share them with the public, they're for our knowledge only, are like 100 pages.
And probably...
two or three days a week, we get an update that the policy guide's been updated.
From each bank?
From each, or like individually, yeah.
So the banks internally have these, you know, policy and risk assessment teams and they're trying to tweak something to get some market share off the other banks all the time because they're a business, remember, like,
They're here to win.
And the things that they do to get us to send our clients to them to get the mortgage isn't just like a cashback and a slightly better interest rate.
It's often like...
um you know we're changing we're allowing first home buyers to have two borders now instead of one it used to be one now we can have two which means they can borrow a little bit more or have a bit more affordability involved or um there's all sorts of changes that happen all the time hey look the this is now considered a discretionary expense so you you know you can talk to your clients about that if they decide if they tell you that they can stop it then we'll consider that and like things like this is what changes
And all banks' policies are all similar but never the same.
One bank will only allow you to buy an apartment and you have to have a 20% deposit, but another bank will allow you to do it with a 10% deposit.
They've got a different...
Risk appetite rules.
Risk appetite there.
They're quite happy with apartments, but they're not happy with apartments in the city.
It's only outside the city.
So like, you know, like, and having access to all of this is like one of the reasons why you'd use a mortgage advisor, but also like,
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