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 regardless of how they do it, you can't really hide it.

Like, yeah, if you see $200 going out on Thursday night at 6 p.m., we know that you're at the tab.

Yeah.

Shout the round.

That's like – that's one that –

you don't these days you don't even have to like not gamble you can do a bit of gambling but it will maybe reduce what you could borrow a little bit um but if you are deep in it like it's a thousand bucks a week like it doesn't work to be like nah but i made 900 back so it's only 100 like yeah that's not how it works now they're gonna look at it you're gonna spend that again yeah yeah yeah that's like and especially when it's like religious so it becomes like a habit thing then once it's a habit it's like no no this is you know something that we can't trust you know

No, you need to be able to be basically clean and efficient for three months.

Three months, yeah.

Yeah.

It's funny, though, because some people can do that.

I don't know if this is like a psychological thing, but a lot of people, when we tell them that and they stop for three months, they never go back.

And some people can't do it.

There is like a three-month line where like,

yeah so they they don't get back into it or the other group they then can never get the they can't make it through the three months without gambling yes yeah or they can only borrow less because of it or well some can some can trim but if there's like a high expense behavior it gets looked at the bank ain't gonna want to yeah yeah okay what's the second one the second one is um if you're in a relationship

Me as a mortgage advisor can't hide the other person's financials from them.

Okay.

Yeah.

This is interesting.

There are certain things like when you, yeah.

Stag do expenses.

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