September 7, 2020
different types of property titles

The Different Types of Property Titles | Ep. 125

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.
September 7, 2020
land covenant caveat mean

Land Covenants & Caveats | Ep. 126

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.
September 8, 2020
Buying a Bach

The Kiwi Dream – Buying a Bach | Ep. 127

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.
September 9, 2020
made redundant large payout

BTF Listener Questions – I’ve been made redundant and received a large redundancy payout… what should I do with | Ep. 128

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.
September 10, 2020
Can you get a mortgage when pregnant or on parental leave?

Can I Obtain a Mortgage on Parental Leave? Ep. 129

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.
September 11, 2020
jeremy twiss investment adviser

GUEST SPEAKER – Jeremy Twiss. Investment Adviser from Craigs Investment Partners. | Ep. 130

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
September 22, 2020

Settlement Day, A Lawyers Perspective | Ep. 131

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 understanding the process. Shane includes some traps to be aware of and the importance of not leaving everything to the last minute!
September 22, 2020
banks credit policies

Comparing Banks. Same Scenario – Different Banks | Ep. 132

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.
September 22, 2020
what does discharging a mortgage mean

Discharging a Mortgage – a Clients Perspective | Ep. 136

To follow on from episode 135 the BTF crew discuss what to expect from your lender if you have two or more properties crossed collateralised with debt when you are trying to discharge one. When refinancing or selling property, it always involves the discharge of the existing mortgage over your property. That requires repaying any amount you owe the current mortgage, which is usually the bank.
September 23, 2020
different health insurance plans and what they mean

Health Insurance and the Different Plans Available | Ep. 137

Today's complicated state of insurance means that people are not getting the right policies best suited to their needs, stage of life or budget. Many Kiwi's might be sitting on a false sense of security that will not give them what they need at claim time. Let us help! Kayne, Goran and Isa discuss the terms of Health Insurance in plain English, so you understand what we are talking about! There are lots of different plans available with price options to suit everyone. If you are still unsure what type of Health Insurance is best suited for you - you can connect with our expert team at Money Empire!
September 28, 2020
what is bank insurance

What is Bank Insurance? | Ep. 141

Isa chats with Kayne and Goran to break down the potential pitfalls of bank insurance. The most significant difference between a bank policy vs a policy with an insurance provider is the underwriting process. The boys explain why the underwriting process is so crucial should you ever need to claim on your policy. Bank insurance is generally cheaper - but sometimes, the cheaper - the nastier!
September 30, 2020

Real Talk with Isa Nacewa – No Bulls**t PART TWO. Retirement & Transition. | Ep. 143

100% GUARANTEE – Rugby doesn’t owe you anything. If you think the game will look after you because you achieved this or that in your career, you are wrong, as it will roll on without you! You need to make sure you are in a structurally sound place financially to ensure you live your best life.