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 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

Yeah.

If you are buying a house together, it is a big financial decision, especially if you're taking out debt together.

You are equally liable for this.

this new liability you've just taken on.

The bank looks at both of you as a joint couple, and I would advise both of you to have a better understanding of each other financially before you do that.

I have had a divorce happen in front of me in a meeting.

Shit.

Yeah.

Because what happens is we'll talk to someone, and yeah, we're good to go, nothing to hide or whatever.

It's like, cool.

And then we'll send it off to the bank, and the bank will come back and be like,

Yeah, and Mrs. Such-and-such has these two credit cards.

I'm like, oh, yeah.

Ah, they haven't disclosed that as part of their... Yeah, because they said they have nothing to hide, so they think they can hide it from us.

They will always find it, eh?

And then it comes up, and then it's an email, and, you know, however it goes down, eventually, like, the other partner finds out or whatever...

regardless of like how any of that stuff has happened in like case studies internally um like truly ask yourself do you want to go into buying a house with someone if they don't know about your financial habits or vice versa yeah you know like either way and it yeah

you know just get it done and just be comfortable and move on and just like put it behind you and then you just have complete trust about each other's position oh there we go yeah yeah yeah the guardian analogy ladies and gentlemen let it rip let it rip in the bed yeah okay i could see how that would cause yeah sometimes it's not even from us telling the other person that hey you like i don't i don't go to um a client and be like hey your partner's got a credit card you don't know about yeah yeah just use the statements

Yeah, it comes up between them and they decide to disclose it and it can turn to shit at that time because there's elevated emotion.

They've talked about how they can have the family over for Christmas at their new house and then it's like, oh, I don't trust you.

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