{"version":"1.0","type":"rich","provider_name":"Acast","provider_url":"https://acast.com","height":250,"width":700,"html":"<iframe src=\"https://embed.acast.com/$/65cc11f58f6b18001654b39e/6a53166d73fcc6a8a7f835b7?\" frameBorder=\"0\" width=\"700\" height=\"250\"></iframe>","title":"How To Get A Mortgage In New Zealand: Mikey Smith of Guardian Smith","thumbnail_width":200,"thumbnail_height":200,"thumbnail_url":"https://open-images.acast.com/shows/65cc11f58f6b18001654b39e/1783830104840-b70bef9b-f4ec-42fc-9840-3d72d0680176.jpeg?height=200","description":"<p>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. </p><p><br></p><p>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. </p><p><br></p><p>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.</p><p><br></p><p>Find Mikey:</p><p>https://guardiansmith.co.nz/</p><p>https://instagram.com/officialmikeysmith</p><p><br></p><p>Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. </p><p><br></p><p>Stuck? Find Amy : amy@levridge.co.nz </p><p>Instagram: https://www.instagram.com/amy.levridge</p><p>Website: https://www.levridge.co.nz</p><p><br></p><p>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.</p>","author_name":"nextAdvisory"}