The Mortgage Man - A podcast for everyone with or wanting a mortgage
Episodes
#82 - Client Case Study; Georgia- Over 6 months to your first home
27 Nov 2025
Contributed by Lukas
Sometimes people have already found a house when they make contact, other times it can take 6-12months.The latter is more relevant for this client. In...
#81 - Do First Home Buyers Need a Will?
26 Nov 2025
Contributed by Lukas
One big adult step is buying a house and having kids, but what about a Will? You've probably heard of these but don't really know what happens...
#80 No Idea How To BUY or FIND your FIRST HOME?
10 Nov 2025
Contributed by Lukas
If you have decided you want to buy your first you will realise pretty quickly that you don't know where to start , or how to find your ideal first ho...
#79 Pre-Purchase Building Inspections - Why you MUST get one before you buy your first home.
03 Nov 2025
Contributed by Lukas
People are pretty casual about these "I'll get me mate to do it" But this episode covers why you should get one and get it done by some who is experie...
#78 Client Success Story - Tayla
14 Oct 2025
Contributed by Lukas
I helped Tayla and her family buy her first home. Listen to this episode to hear more about what she thought about the process of buying her first hom...
#77 Life Insurance & First Home Buyers
14 Oct 2025
Contributed by Lukas
Do you need life insurance when you buy a house? What about medical?Mortgage protection?Anything else?It's complicated, and even if you decide you...
#76 When/How To Get a Lawyer Involved
29 Aug 2025
Contributed by Lukas
One of the key professionals you need to leverage in your first home property purchase is a lawyer.So when do you do this? How much do they cost and w...
#75 - Buy a home says this guy, you won't regret it.
20 Nov 2024
Contributed by Lukas
If you are on the fence about buying a home, then you need to listen to this. It's been 6 months since I worked with Jason and I checked in with him t...
#74 Client Interview: My Favorite First Home Buyers
29 Oct 2024
Contributed by Lukas
No offence to all my other clients but this story is just so good. In this episode I am joined by Sheryl who I recentaly helped into her first home wi...
#73; How To Build Your First Home (& get finance for it) with Steve from Classic Builders
13 Dec 2023
Contributed by Lukas
Should you buy or build your first home? Before you answer that, it would be important to under the process and costs of building a property. That in...
#72: How To Sell Your Property For The Best Price w/ Rachael Bridger from Harcourts
29 Aug 2023
Contributed by Lukas
Want to sell your property soon? Is now a good time to sell? How do you get the best price? Is it best to list via auction or negotiation? Comple...
#71; Open Homes & Auctions: What to ask & look for. w/ Rachael Bridger from Harcourts.
29 Aug 2023
Contributed by Lukas
Open homes are scary - and auctions even more so. What can you do at open homes to give you a bit of an advantage over everyone else? What can you a...
#70- Capital Gains Tax & Interest Deductibility. Do You Need an Accountant? with Anthony Appleton-Tattersall
23 Jun 2023
Contributed by Lukas
Do you need a property accountant? Probably - With guest speaker Anthony Appleton-Tattersall, my accountant. Property tax is becoming alot more compl...
#67 Surprise! Inflation is not as bad as we thought!
21 Apr 2023
Contributed by Lukas
Surprise! Inflation is not as bad as we thought! Finally some good news - but does this mean interest rates are coming down?Not quite- but at least t...
#66; Bank Collapse; What Happens To Your Mortgage, KiwiSaver & Savings?
24 Mar 2023
Contributed by Lukas
With all that is going on overseas, bank collapses, bailouts, and general uncertainty we are getting a lot of questions about this topic. What happen...
#65; Three MASSIVE Property Red Flags & How To Overcome Them
03 Mar 2023
Contributed by Lukas
Sometimes there will be property features that you will love. Other times not so much, and even more so there will be times when alarm bells go off. ...
#64- Deep Dive on Revolving Credit & Offset Savings Accounts
19 Feb 2023
Contributed by Lukas
A complicated topic, but worthwhile, especially now as the 1-year interest rates and the floating rates are quite similar. Done correctly, a revolvi...
#63 Inflation is still up but Interest rates going down?!?!
03 Feb 2023
Contributed by Lukas
Last week the inflation report came out and while it wasn't exactly what we wanted, it's still going to impact the housing market. Ant and I have been...
#62; Jacinda Resigns! What Does This Mean For Property?
26 Jan 2023
Contributed by Lukas
Well, that was unexpected. Jacinda resigns. What does this mean for the future of the property market, first-home buyers, and the rental market in N...
#61 - Should You Buy in 2023?
19 Jan 2023
Contributed by Lukas
Welcome to 2023... First let's talk about the elephant in the room: interest rates and house prices. Yes, they are currently on the rise and the mark...
#60 - Property Predictions For 2023
30 Dec 2022
Contributed by Lukas
As you start to unpack what a crazy year we've had in 2022 you might be thinking what on earth is going to happen in 2023? You'd be right to wonder ...
#59 - Do You Need Mortgage Protection Insurance? (& other ways to protect your wealth)
16 Dec 2022
Contributed by Lukas
It's never nice to talk about, but sometimes serious illness, accidents or death happens. In those situations, most people do not want to have to se...
#58 - Fear Of Messing Up? Here's the most common fears of buyers, and how to fix them.
09 Dec 2022
Contributed by Lukas
Fear of losing your deposit if the developer goes under? Fear of buying a house that's going to leak or fall over? Fear of overpaying in this market...
#57 The Bank Of Mum & Dad; Should You Use Them?
01 Dec 2022
Contributed by Lukas
The bank of Mum and Dad has become the 5th largest home loan lender in New Zealand, with an estimated $22.6 billion being loaned out to family members...
#56 - OCR Up 0.75%; What it means for you
24 Nov 2022
Contributed by Lukas
The OCR is up again, and this time a massive 0.75 jump. The biggest jump we've had. Should you care? Yes; especially when you hear The Reserve Ban...
#55 Negative Equity; What is it & what to do about it
20 Nov 2022
Contributed by Lukas
Negative equity is a term most of us haven't heard in a while but is becoming a real possibility for some homeowners, especially those that brought in...
#54 Is Going Interest-Only A Good Idea?
09 Nov 2022
Contributed by Lukas
As interest rates go up, mortgages get more expensive and you might have heard about "going interest-only". What exactly does that mean? First off, ...
#53 Are The High Interest Rates Cancelling Out Any House Price Drops?
04 Nov 2022
Contributed by Lukas
We always hear "I'm going to wait until house prices drop before I buy" The problem is, that for house prices to drop, the cost of money has to go up...
#52 - A Deep Dive Into KiwiSaver With A Specialist Adviser
30 Oct 2022
Contributed by Lukas
This week's episode talks about the very first step of the mortgage process. KiwiSaver... Getting this right or wrong can be the deciding factor of "...
#51 - Should You Listen To Your Parents Advice?
20 Oct 2022
Contributed by Lukas
Should You Listen To Your Parents Advice? The rebellious teenager inside you screams no... But you are no longer a teenager and some of the advice p...
#50 - The 50th Episode! Are Our Most Popular Episodes Still Relevant?
13 Oct 2022
Contributed by Lukas
We made it to 50 podcast episodes! Free mortgage approvals for everyone!! This episode I have both Chris and Ant joining me to go over our mos...
#49; What Happens If You Can't Pay Your Mortgage?
07 Oct 2022
Contributed by Lukas
With the cost of living and inflation at all-time highs, it's a real possibility that you might miss a mortgage payment- especially if you have over-l...
#48 - Understanding WHY You Want To Buy Your First Home Will Help You Get In To Your Forever Home Faster
28 Sep 2022
Contributed by Lukas
Most people just want a home as a roof over their heads - but then what? It's very likely that your first home isn't going to be your dream home, so h...
#47 How To Get A Bigger Loan Amount To Buy A Better 1st Home
16 Sep 2022
Contributed by Lukas
Last week we spoke about how to figure out how much money you could get from the bank in 3 different ways. But what if you were expecting more? Or th...
#46 - How To Figure Out Your Max Loan Amount (without using a broker)
08 Sep 2022
Contributed by Lukas
As soon as people decide that they want to buy a house, the next question is how much can they borrow. Sound familiar? So then you go onto your favo...
#45 The Fastest Ways To Pay Off Your Mortgage
01 Sep 2022
Contributed by Lukas
To this point, most of our content has been about how to get a mortgage or buy a house. But what happens once you have actually got a mortgage? Are ...
#44 - High Inflation; What's The Best Mortgage Structure?
26 Aug 2022
Contributed by Lukas
Lots of different opinions on what fixed rates are doing, and what you should do with either a new mortgage or a part of your mortgage that you need t...
#43 Which Bank Is Best?
17 Aug 2022
Contributed by Lukas
Banks have been getting a bad rep lately with all the new rules and them just trying to de-risk themselves in a property market full of unknowns. But...
#42 Buying In A Different City That You Work? It's NOT That Simple
05 Aug 2022
Contributed by Lukas
It might be tempting to want to buy in a different town to where you work to make it more affordable for you to buy your first home. However, it does...
#41 Revolving Credits & Offset Savings; Are They For You?
04 Aug 2022
Contributed by Lukas
Revolving credits are complicated. It's one of those things that you learn by doing; but in this episode, Chris & I try our very best to describ...
#40 - Mortgage Jargon 101
28 Jul 2022
Contributed by Lukas
We sometimes forget that the language we use when talking to first-home buyers is not appropriate. I don't mean we use swear words or shout profanit...
#39 Pros & Cons Of Buying With Family & Friends (& the #1 thing you must do before purchasing)
28 Jul 2022
Contributed by Lukas
It's tempting. Pooling your money & income with a friend or family member so you can buy a home or a better bigger home that usually wouldn't be ...
#38 July Update For First Home Buyers; Everything You Should Know
20 Jul 2022
Contributed by Lukas
It's been a busy month in July for mortgages and offers. This podcast covers all of it. We go over 7 key things. 1. 1% cash back from BNZ 2. 1% int...
#37 The Benefits Of Using A Mortgage Broker Instead Of Going Directly To The Bank
07 Jul 2022
Contributed by Lukas
It's taken us a while to realize that after 36 episodes we haven't done one on the benefits of using a mortgage broker instead of going directly to th...
#36; Is It REALLY The Worse Time In 65 Years To Be A 1st Home Buyer?!
01 Jul 2022
Contributed by Lukas
Did you know that the average first home buyer in 2021 put 49% of their household income towards their mortgage? Back in 1949, the average house cost...
#35; 3 Ways Kāinga Ora Can Help You Buy Your First Home
22 Jun 2022
Contributed by Lukas
Kāinga Ora is great - if you meet their eligibility criteria for help. In this episode, we discuss the three ways that Kāinga Ora can help you buy...
#34 Are Banks Discriminating Against First Home Buyers?
20 Jun 2022
Contributed by Lukas
Right now, first-home buyers have got it tough. And it's easy to blame that on the banks or the government which tells the banks what to do. But in...
#33 - Buying With Family; 3 Ways They Can Help.
10 Jun 2022
Contributed by Lukas
Having friends and family is great. Especially when they can help you buy a home. But how? In this podcast, we cover three ways that your nearest &...
#32 Are New Builds Still A Good Buy For First Home Buyers?
03 Jun 2022
Contributed by Lukas
We are hearing a lot of headlines about the struggles of builders, new builds, and the cost of living. All this adds up to the end buyer to represen...
#31 - After Pay, Lay Buys & Your Mortgage Chances
27 May 2022
Contributed by Lukas
Believe it or not - the buy now pay later facilities are debt and need to be treated as such when applying for a mortgage. We see some people manage...
#30 - Big Changes For The 1st Home Buyer Grant; What Were They?
20 May 2022
Contributed by Lukas
The home start grant is free money given by the government, this was in the past quite hard to meet the eligibility criteria as there were very low pr...
#29- Renting For $650/wk Doesn't Mean You Can Afford A Mortgage At The Same Cost; Here's Why
05 May 2022
Contributed by Lukas
A lot of people tell us that they think the bank should give them a mortgage because they figured out that the repayments are around the same as their...
#28 - Student Loans; How Do They Effect For 1st Home Chances?
05 May 2022
Contributed by Lukas
Out of all the debt you could have; student loans are probably one of the best. However, this doesn't get ignored when applying for a mortgage. Just...
#27 How High Will Interest Rates Go? Should You Wait To Buy?
22 Apr 2022
Contributed by Lukas
Inflation is up, so as a bid to control this the OCR is creeping up too. What does this mean? Higher interest rates on loans. Mortgage costs are ...
#26 - Registered Valuations; When You Need One
12 Apr 2022
Contributed by Lukas
If you are a first home buyer with less than a 20% deposit then this is something that you need to get during part of the due diligence process. Tod...
#25; First Home Buyers; Pay Down Debt Or Top Up Deposit?
07 Apr 2022
Contributed by Lukas
If you have extra money should you use it to pay down your short-term debt or save more to get a bigger deposit? The annoying and unhelpful answer t...
#24 The KiwiSaver Guide; Updated.
10 Mar 2022
Contributed by Lukas
For some of you, this will be the first (of many) podcasts episodes that you will listen to. You've probably downloaded our Free KiwiSaver Guide and...
#23 KiwiSaver & War - What Should You Do If Your Balance Drops?
03 Mar 2022
Contributed by Lukas
A lot has happened in the last 7 days. For most of us, the new war is so far away that we are not affected by it too much; apart from maybe the disb...
#22 Equity vs Usable Equity & Income vs Usable Income
24 Feb 2022
Contributed by Lukas
Two very different things. Although you might think you earn enough money to get a mortgage that doesn't mean the bank agrees. Bonuses, commission...
#21- A Buyer's Market Is Here - How can buyers make the most of it?
17 Feb 2022
Contributed by Lukas
Everyone is already talking about it, so what exactly is a 'buyers market'? We haven't had one in a while.. In its simplest terms, a buyer's market ...
#20- A Relocatable Home; A Case Study. How to Make Money & Save Time by moving a house onto your land w/ Anthony Browne
04 Feb 2022
Contributed by Lukas
How to make money & save time with moving an existing house onto your land to make a home. Property prices are getting expensive, especially when...
#19 - How To Make Your Bank Statements Look Good For The Bank
01 Feb 2022
Contributed by Lukas
You asked for it, so we created it. With the new CCCFA policy rules, we are seeing a whole new wave of media fearmongering headlines. No, you will...
#18 - The New Rules Ain't That Scary; How You Can Still Get a Mortgage
20 Jan 2022
Contributed by Lukas
2022! The best shot you have of buying a house...seriously! But then again, last year was even better... And before that the previous year too... T...
#17 - Watch Out First Home Buyers; Even More New Rules
28 Nov 2021
Contributed by Lukas
November has been a big month for changes in the mortgage world. We've had the fastest increase in interest rates ever which has resulted in higher t...
#16 - What's a Buyers Agent & Should you get one? w/ Arie Harris
08 Oct 2021
Contributed by Lukas
Can you really trust a real estate agent when they are working for the seller? From me, that's a big NO. In fact, I really despise the games that so...
#15 - September Market Update & New Opportunities
23 Sep 2021
Contributed by Lukas
This might just be the best episode of the podcast we have done so far. NZ is at a turning point in its property market (or so we are told) The suppl...
#14 - How Will This Lockdown Effect Prices & Interest Rates?
25 Aug 2021
Contributed by Lukas
Amidst another lockdown, Chris and I chat about how this time round (Aug 2021) will affect house prices and interest rates. Last time we saw rates dr...
#13 - Debt To Income Ratios: What Are They & Will They Help?
13 Aug 2021
Contributed by Lukas
Debt to Income Ratios.. The new tool that the Reverse Bank of NZ is going to use to slow down the housing prices. So how does it work ...
#12 - How To Buy A New-Build & How To Fund it!
30 Jul 2021
Contributed by Lukas
The last episode should have got your seriously considering a New-Build as your next property purchase, but how do you actually go about getting finan...
#11- UPDATED- New-Build as your Next Investment Property? - Pros Vs Cons
30 Jul 2021
Contributed by Lukas
With all the changes being put in place a New Build property as your next purchase is more and more beneficial. In this episode, Chris and I go over...
#10 - Will Rents Increase?? (and other effects of the new Govt Rules)
16 Apr 2021
Contributed by Lukas
Last week the government announced some big changes to how investors are taxed. Many fear that rents will increase as a result. But will they? We di...
#9 - Buying A New Build For Your First Home
19 Mar 2021
Contributed by Lukas
Sounds nice right? A brand new home for your 1st home. But are there things you need to be wary of when getting a mortgage? Sure there is - but I t...
#8 - 3 Ways Family Can Help You Buy Your First Home
10 Feb 2021
Contributed by Lukas
Just me this week - and straight to the point. Three ways that your family or friends can help you buy your first home. They are 1. Equity / Cash Gi...
#7 - Will House Prices Continue to Rise in 2021??
27 Jan 2021
Contributed by Lukas
#7 - Will House Prices Continue to Rise in 2021?? ...and if they do rise... Should you wait until they "come down"? 5 years ago peopl...
#6 - How To Search For Your First Home Easy As
21 Jan 2021
Contributed by Lukas
Finding a home can be hard. We've been there. In this video we talk about tips and tricks to help you get laser-focused on your ...
#5 - When Is The Right Time To Buy Your First Home? W/ Jo Harris
03 Sep 2020
Contributed by Lukas
When is the right time to buy? A question that is pondered by many. "I'll wait til prices drop". Is a common thing I hear, but are you missing out by ...
#4 - Making An Offer (Purchase Agreement Walk-Through)
29 Jul 2020
Contributed by Lukas
Found a house you want to buy? The next step is to make an offer on that place, but how do you do that? Well, you start using a Sale & Purchase a...
#3 - How To Find Your First Home w/ Real Estate Agent Miranda Horan
23 Jul 2020
Contributed by Lukas
You've already talked to me and know what you can afford, next you have to find your first home. But where do you start? And who else should you...
#2 KiwiSaver & First Home Grants 🏘
23 Jul 2020
Contributed by Lukas
Please note that since this was recorded the house price caps and income caps have been increased; check out our First Home Buyers Guide to get update...
#1 First Home Buying Requirements
16 Jul 2020
Contributed by Lukas
So you want to buy your first home... But aren't quite sure what deposit you need, and any other requirements you should meet to tick the bank's boxe...