Beyond the Field

Securing a mortgage in NZ means wading through often unfamiliar terminology and a lot of paperwork. Generally, a home loan is one of the biggest commitments you take on in your life. Understanding what you're signing is essential to meeting your obligations and not getting caught out further down the line by something you didn't understand. 

Here are 6 key terms from your NZ mortgage paperwork explained.

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 Guest Speaker this week is Gavin Clearkin of Performance Nutrition Services.  Gavin is an expert in his field, having worked with multiple professional sporting bodies and individuals including NZ Cricket, Kiwis Rugby League, NZ Breakers Basketball, the English and Scottish Institutes of Sport and High Performance Sports New Zealand - just to name a few!  The BTF crew chat with Gavin Clearkin on nutrition, his journey working in all different professional sporting organisations and the importance of fuelling your body - no matter if you are an office worker or a professional athlete.  The fundamentals of good nutrition apply to everyone!  

You can follow Gavins work here - https://bit.ly/2X701XG

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 want to expand (or start) your property investment portfolio?  Before you lock in a loan and start putting your hand up at auction, there’s a lot you need to know.  To get you started, the BTF team cover everything you need to know about the dangers of cross-collateralisation – and how you can avoid them! 

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.   

Following on from our episode around lockdown renovations, the Government announcement could not have come at a better time.  It has been announced that the Government has scrapped some red-tape for DIYers after ruling people no longer need consent for a variety of small projects around the home.  This applies to low-risk building work which includes things like sleep-outs, sheds, carports and awnings.  This is going to fasten up the process and give you more money to spend the build, materials and decorating.  Kayne, Isa & Goran chat around what this means for all the keen DIYers of NZ!  

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'm currently fixed - what do I do?"
"I want to lock in a lower rate - how do I do that?"
"Do I need to refinance to be able to get access to these low rates?" 

These are just some of the questions we have been receiving lately from our clients. The BTF team is joined by Goran Loncar to help explain your options when it comes to taking advantage of these super-low rates. We cover the steps you need to take and how to determine if it's beneficial to break your current fixed mortgage. The ME team are always on hand to help. 

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.   

Beyond the Field is excited to share our episode with guest speaker Israel Whitley from Auckland Labour Hire. We talk through his journey of when he arrives in the big smoke from Gisbourne, wants to be a pro football player but finds out he has a dodgy ticker and shows that age is just a number and carves his way into the business world at a young age with tenacity and will power.

Follow Israel and his ALH team at 
https://bit.ly/2zW6H1K
https://bit.ly/2LLvUPd
https://bit.ly/2ARFxcT

*SOUND QUALITY DISCLAIMER - the joys of technology... we had a few microphone issues speaking with Izzy. Our hosts sound far away but we promise everyone is together for this recording. This does not take away from the great conversation and content! Enjoy! 

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.   

First podcast back in the office post lockdown!  Today, the BTF boys sit down to chat about the increase in home renovations.  As Kiwi's have been forced to spend a lot of time in their properties, it made everyone more aware of the changes they want to make around home. 

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.   

The Money Empire Team have noticed an influx of questions around Income Protection Insurance and Redundancy Covers particularly since COVID.  Kayne and Isa explain the difference and what each product is designed to do.    

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.   

Kayne and step in host Jess Wahlstrom zoom in to chat with the talented and motivated Founder and CEO of Two Islands Julia Matthews. Julia shares the story of how Two Islands came to be, her advice for anyone starting in business, and the importance of asking for help when you need it. It's always refreshing to speak to someone passionate and genuinely excited about what they do. Two Islands has an exciting future, one that involves a new product launch PLUS a new addition come July.  

You can follow Julia's work at @twoislandsco on Instagram and https://twoislandsco.com/ 

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.   

The BTF team discuss with Goran Loncar ME adviser, what the banks need for income verification for those employed vs self-employed. COVID is creating havoc and lending space is no different - listen in for some tips.  

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.