{"podcast":{"title":"Keep The Change","slug":"keep-the-change-3902204","podcast_index_feed_id":3902204,"rss_url":"https://feeds.acast.com/public/shows/65cc11f58f6b18001654b39e","website_url":"https://www.keepthechange.co.nz/","image_url":"https://assets.pippa.io/shows/65cc11f58f6b18001654b39e/show-cover.jpg","author":"nextAdvisory","episode_count":883,"summary":"Keep The Change - improving Kiwis financial literacy. Ever wanted to learn more about money, the economy, finances and how to have a better financial life? Now you can. This is one of New Zealand's leading financial learning podcasts. I (Luke) wanted to share insights from my life, my role as a Chartered Accountant with successful and failing clients as well as a look at all of the dumb sh!t I have done along the way too. There is also a read of the weekly 'Money Mail' lesson. Please take action :) You can subscribe to the weekly Money Mail lessons that come out at 9am every Friday. See Keepthechange.co.nz FOLLOW ► Instagram https://www.instagram.com/keepthechange_nz/ Tik Tok + Facebook + LinkedIn Check Out My Accounting Practice: www.nextadvisory.nz Hosted on Acast. See acast.com/privacy for more information.","last_synced_at":"2026-07-25T06:19:52.979093+00:00","page_url":"https://stenobird.com/podcast/keep-the-change-3902204"},"episode":{"title":"How To Get A Mortgage In New Zealand: Mikey Smith of Guardian Smith","slug":"how-to-get-a-mortgage-in-new-zealand-mikey-smith-of-guardian-smith","published_at":"2026-07-15T17:00:00+00:00","page_url":"https://stenobird.com/podcast/keep-the-change-3902204/how-to-get-a-mortgage-in-new-zealand-mikey-smith-of-guardian-smith","show_page_url":"https://stenobird.com/podcast/keep-the-change-3902204","url":"https://shows.acast.com/keep-the-change-1/episodes/how-to-get-a-mortgage-in-new-zealand-mikey-smith-of-guardian","audio_url":"https://sphinx.acast.com/p/open/s/65cc11f58f6b18001654b39e/e/6a53166d73fcc6a8a7f835b7/media.mp3","summary":"In todays episode Luke sits down with Mikey from Guardian Smith to break down everything first home buyers need to know about getting a mortgage in 2026... From 5% deposit options most people don't know exist, to why the bank's test rate is still sitting close to 7% even when your actual rate is much lower. W cover the mistakes that kill mortgage applications , why having a flatmate could dramatically increase your borrowing power, and how offset mortgages could save you hundreds of thousands in interest. If you're thinking about buying your first home, this is the most practical conversation you'll find on how the mortgage world actually works in New Zealand right now. Find Mikey: https://guardiansmith.co.nz/ https://instagram.com/officialmikeysmith Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.","meta_description":"In todays episode Luke sits down with Mikey from Guardian Smith to break down everything first home buyers need to know about getting a mortgage in 2026..…","key_points":[],"chapters":[],"topics":[],"duration_seconds":3944,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/keep-the-change-3902204/episodes/how-to-get-a-mortgage-in-new-zealand-mikey-smith-of-guardian-smith/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/keep-the-change-3902204/how-to-get-a-mortgage-in-new-zealand-mikey-smith-of-guardian-smith.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}