The North and South Islands are living two completely different financial realities - and the wealth gap is bigger than you think.

In this episode, we break down why regions like Canterbury, Otago, and Southland are outperforming the major centres - from lower debt loads and cheaper housing to booming primary industries - while Auckland and Wellington grapple with high mortgages, sluggish sectors, and rising unemployment.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Buying your first home just got a whole lot easier and the numbers prove it.

In this episode, we break down the five biggest shifts helping first-home buyers right now: falling interest rates, lower test rates, flexible deposit options, smarter bank approvals, easier due-diligence pathways, and a market where negotiation not auctions is finally back on the table.

Next Steps: If you want to know exactly how much you can borrow, what deposit you need, and whether you’re ready to buy, book a chat with Lighthouse Mortgages and we’ll run the numbers with you.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Cashflow or capital gains? Why choose when the smartest investors are structuring their deals to get both?

In this episode, we sit down with Ilse Wolfe, Director of Wolfe Property, to unpack how investors are navigating 2025’s shifting market, from falling interest rates and rising optimism to real case studies showing how strategic renovations, multi-unit deals, and value-add tactics can create both strong cashflow and long-term capital growth.

Next steps: Learn more about Wolfe Property here

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Mortgage rates are dropping and the right move now could add over $100K to your net worth.

In this episode, we break down how holding your repayments at the higher level you’re used to can shave decades off your loan, save hundreds of thousands in interest, accelerate your equity, and set you up for smarter investing and long-term financial freedom.

Next Steps: Want to see how much faster you could clear your mortgage? Book a chat with our Lighthouse Mortgage team today.

If you want clarity on your next steps from paying down debt to building long-term wealth book a chat with our Lighthouse Wealth team and get a personalised financial plan built around your goals.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Is NZ’s property market actually broken or are the headlines missing the real story?

In this episode, we break down 30 years of market history, supply and demand pressures, migration, affordability, investor psychology, and the real maths behind when (and whether) investment property still works in New Zealand.

Next steps: If you want clarity on what you can borrow, what you can buy, or whether an investment property strategy stacks up, our Lighthouse Mortgage team can walk you through the numbers.

For more money tips follow us on:

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Insurance premiums have exploded and Kiwis are feeling the squeeze like never before.

In this episode, we break down the shocking 15-year surge in insurance costs - from health and house premiums skyrocketing over 200–400% to the real impact of climate events, reinsurance costs, medical system pressure, and how listeners can reduce their cover without losing protection.

Next Steps: If you want to make sure your life, health, income or trauma cover actually fits your budget and stage of life, book a one-on-one with a Lighthouse insurance adviser through the link in the show notes.

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Will the RBNZ pull the trigger on 25 or 50? Here's what really sits behind Wednesday’s OCR call.

In this episode, we break down the latest inflation data, card-spending trends, bank pass-through (or lack of it), how summer spending could shape the economy, and why confidence - not just cuts - will determine whether 2026 finally turns a corner.

Next Steps: If you want to find out whether you qualify for the 1.5% cashback or how a refinance works, get in touch with Lighthouse Mortgages and they’ll walk you through your exact options.

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

KiwiSaver is getting a shake-up and some of these changes could completely reshape your retirement.

In this episode, we break down the proposed KiwiSaver overhaul from targeted boosts for low-income earners to parental-leave top-ups, employer contributions past 65, and the controversial emergency “sidecar” account - plus what these changes could really mean for your long-term savings.

Next Steps: If you’re not sure whether your KiwiSaver fund, contribution rate or strategy is set up correctly for these changes, book a free 30-minute session with a Lighthouse adviser and get your plan sorted.

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

In this live webinar Scott O’Neill, Dylan Menzies and Michael Vincent break down where the real value is heading into 2026 - from commercial vs residential returns to bank appetite, yields, strategy, and live Q&A insights.

Ideal for anyone exploring commercial property, diversifying from residential, or wanting expert clarity before making their next move.

Ready to explore commercial property with expert support? Connect with the Rethink Investing team to access off-market deals and tailored commercial acquisition advice.

Need lending support for your next residential or commercial purchase? The Lighthouse mortgage team can help you structure the right loan and get your finance approved.

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

A heated debate that every Kiwi needs to hear - Wealth Tax vs Capital Gains Tax.Matt, James and Mike down how each tax actually works, the real-world impact on homeowners, investors, retirees, and business owners, and why timing, fairness, and economic stability matter more than political noise.

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.