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

But like, if we think about your home loan over like 20 years instead of 30, and we do this with the repayment, the savings is going to be a hundred grand.

So do you really care about like that 20 to $50 difference in the interest rate here when we're going to be saving a hundred, you know, and doing all that stuff's like really important.

And

I've been around long enough now where I've had people thank me for it, which is cool because at the start they're like, they don't notice it.

You don't notice it because at the start it's really slow and your mortgage goes slowly, right?

But that compounding effect, that reverse compound on a mortgage works.

Yeah, it's huge.

Yeah I just reckon don't be shy to ask eh because I think like

Facebook groups and stuff have their place, but some of the questions I see online in certain Reddit groups or Facebook groups or all of this stuff, I'm just like, oh man, you're just dealing with comments that are wrong, answers that are wrong.

But that's how they've interpreted it, and I think, oh, it's kind of not really the... Literally, before I came in here, I opened Facebook, and the first thing was, looking for a house right now approved, but my KiwiSaver's gone down $10,000 because of the war or something.

What do I do?

There'd be hundreds of comments.

Oh, hundreds of answers, and it's just like...

You know, that would have been something that would have come up in the conversation with a good advisor, talking to them about risk of... If your deposit is all KiwiSaver and you're at 10% or whatever the number is and you're using it and you need it all for the deposit...

Like, it shouldn't be rolled into Nvidia at the moment.

Yeah.

And, and.

Yeah, posting anonymously.

I don't know what that is, posting your question anonymously on Facebook.

I can understand like groups.

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