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.

Trend

recordings per month · last 12 months

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

Appearances

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

So a lot of parents don't have jobs.

Yeah, it's $3 million, mate.

Happy days.

So often that one, it gets used, but often less than people think, yeah.

new zealand like mortgage history and we just don't um we don't know about them and we don't utilize them properly like offset is has finally it's been around for a long time but i think it's finally being used a lot especially by mortgage advisors because we understand it and know how to explain it and get people into it um

People contact us asking about offset now, which is like weird because back in like 2019, there was no one knew what that was.

There's offsets, there's revolving credits, like offset one with family is amazing, especially if you've got boomers with like term deposits that don't want to yield.

Brother, there's $220 billion in term deposits.

Let's offset that shit.

Yeah.

You could make your kid's mortgage 0%.

Yeah.

Wow.

Yeah.

But the individual doesn't get it.

The kids get it, right?

They get the return.

Yeah, you're actually often the repayment is the same as if it did have an interest rate.

So it's a million dollars loan and it's a million dollar, you know, mum and dad money.

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