Beyond the Field

From a consumer perspective, all the banks may seem the same.  But from our position, they are all very different when it comes to credit policies.  The BTF team sit down to discuss and compare the four major lenders.  They share one client scenario and how different the deal looks with each bank - particularly around how much they can borrow.  This highlights the importance of having an independent adviser with a detailed understanding of the various banks and their criteria. 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Our legal guru shares with BTF host Kayne Wahlstrom precisely what happens behind the scenes leading up to settlement day.  It's one of (if not) the most critical steps of the settlement process with lots of homeowners not understand the process.  Shane includes some traps to be aware of and the importance of not leaving everything to the last minute!   

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

BTF Hosts Kayne and Isa sit down with Jeremy Twiss - Investment Adviser from Craigs Investment Partners. Jeremy has been with Craigs for over ten years and is an AFA Authorised Adviser and an accredited dealer of global securities. The boys sit down to talk about Jeremy's background, including his advise for anyone wanting to enter the industry. They also talk through some investment basics explaining how and where to start, what a risk profile is and is there is a minimum amount you need to invest.  

Jeremy Twiss is an investment adviser at Craigs Investment Partners. His disclosure statement is available on request and free of charge and can be found under his profile at www.craigsip.com

Disclaimer: This information is general in nature and Craigs Investment Partners Limited does not take into account the investment objectives, financial situation, risk tolerance or specific needs of any particular person in the preparation of this information. Returns are not guaranteed, and investment values can go down as well as up. Accordingly, before making any investment decision Craigs Investment Partners Limited recommends that you seek professional assistance from an investment adviser.

Craigs Investment Partners Limited, its partners and employees, do not accept liability for the results of any actions taken or not taken upon the basis of information in this blog, or for any negligent mis-statements, errors or omissions. Some information included may be of an historical nature and may have been superseded. Historical performance does not guarantee future performance. Those acting upon information and recommendations do so entirely at their own risk. 

This information by Craigs Investment Partners Limited is for New Zealand residents. It may not be reproduced or further distributed or published without the express prior approval of Craigs Investment Partners Limited. Craigs Investment Partners Limited and/or its partners and employees may, from time to time, have a financial interest in respect of some or all of the matters discussed.

Craigs Investment Partners Superannuation Management Limited is the manager and issuer of the Craigs KiwiSaver Scheme. Discussing your initial investment needs is free. Product charges and applicable fees are set out in the Craigs KiwiSaver Scheme Product Disclosure Statement, available at craigsip.com/document-library.

QuayStreet Funds is issued and managed by QuayStreet Asset Management. For further information please see the Product Disclosure Statement available on quaystreet.com/documents.

Disclosure statements are available on request or can be found at www.craigsip.com

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/. The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Find out everything you need to know about getting a mortgage when pregnant or on parental leave.  Hosts Kayne and Isa sit down with Money Empire Senior Adviser Lisa Barton to explain what the bank will look for when you apply and what you will need to supply for credit approval.  

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

'I've been made redundant and received a large redundancy payout - what should I do with it?'

Unfortunately, we have received this question a few times over the past few weeks.  Being made redundant is an already stressful time, add in there the extra financial pressures too!  Kayne, Isa and Goran sit down to talk generically about the different options available to you, things to consider and the importance of making sure all of your financial decisions align with your goals. 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

We are officially on the countdown to summer.  Which means HOLIDAYS!!!  There is something nostalgic and quintessentially Kiwi about purchasing a family bach to holiday at year after year.   New Zealanders cherish building up memories in the same spot for generations and becoming best friends with the local fish and chip shop.  The prospect of spending more time in our own backyard has lots of Kiwis contemplating the decision to buy a holiday house.  The BTF boys discuss the best ways to approach purchasing a bach, what the banks looks for and the debt servicing requirements. 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Tune in for an easy to understand explanation of Land Covenants and Caveats.  If you don't know what these mean - you are not alone.  Learn more about these topics with our legal expert Shane Rohde from Lateral Lawyers to put yourself in the best position possible when it comes to purchasing property. 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

There are different types of land ownership in New Zealand. The type of ownership has a direct impact on what you can and cannot do with the property.  Our legal expert Shane gives an overview of the different kinds of land titles and what they mean for the buyer.    

Hosted by Kayne Wahlstrom with special guest, Shane Rohde - Principle of Lateral Lawyers.  

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Do you barely have room to move at home?  Does it feel like the kids have taken over?  Have you outgrown it and started thinking it's time to sell and move to something bigger and better with more space?  We get it, things change, and families grow!  The BTF crew sit down and discuss two scenarios to consider when you want to upgrade to a bigger home.  

OPTION 1 - when selling your current home is the only option to upgrade.
OPTION 2 - keeping your current home as a rental property and using the power of leveraging. 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.   

Over the past six months, we have seen lots and lots and LOTS of Kiwis returning home to New Zealand.  And for those 25,000 plus returning citizens, they can be faced with the task of 'setting up home'.  Our BTF hosts Kayne, Isa and Goran sit down to discuss how returnees can apply for a mortgage and the key things that will stop them getting approval. 

Thank you to our series sponsor – Atomic Coffee.  These legends fuel us and our guests through our podcasts.    

If you have any questions or comments, or have a topic you want us to discuss you can contact us at https://moneyempire.co.nz/, or follow us on Facebook https://www.facebook.com/MoneyEmpireNZ/  
 
The advice shared on Beyond the Field is general in nature and does not consider your individual circumstances and is based on our personal opinions.  Beyond the Field is for educational purposes only and should not be relied upon to make financial decisions.  Kayne Wahlstrom, Isa Nacewa and the Money Empire group are Registered Financial Advisers.  We do not provide our clients with advice on investments, nor do we provide investment planning advice. 

To receive personal financial advice, you must first engage with an AFA or RFA, and receive, read and understand their Scope of Service and Terms of Engagement to ensure the service and products are suited to your needs.  We may discuss products, services and answer listener questions on this podcast for illustration purposes only.  

 www.moneyempire.co.nz 

Triple M Group Limited (5737850) (NZBN: 9429041825877) Registered NZ Limited Company.