Keep The Change - improving Kiwis financial literacy. Ever wanted to learn more about money, the economy, finances and how to have a better financial life? Now you can. This is one of New Zealand's leading financial learning podcasts. I (Luke) wanted to share insights from my life, my role as a Chartered Accountant with successful and failing clients as well as a look at all of the dumb sh!t I have done along the way too. There is also a read of the weekly 'Money Mail' lesson. Please take action :) You can subscribe to the weekly Money Mail lessons that come out at 9am every Friday. <br />See Keepthechange.co.nz <br />FOLLOW ►<br />Instagram <br />https://www.instagram.com/keepthechange_nz/<br />Tik Tok + Facebook + LinkedIn<br />Check Out My Accounting Practice: www.nextadvisory.nz<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>
Keep The Change
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Podcast Overview
Keep The Change - improving Kiwis financial literacy. Ever wanted to learn more about money, the economy, finances and how to have a better financial life? Now you can. This is one of New Zealand's leading financial learning podcasts. I (Luke) wanted to share insights from my life, my role as a Chartered Accountant with successful and failing clients as well as a look at all of the dumb sh!t I have done along the way too. There is also a read of the weekly 'Money Mail' lesson. Please take action :) You can subscribe to the weekly Money Mail lessons that come out at 9am every Friday. <br />See Keepthechange.co.nz <br />FOLLOW ►<br />Instagram <br />https://www.instagram.com/keepthechange_nz/<br />Tik Tok + Facebook + LinkedIn<br />Check Out My Accounting Practice: www.nextadvisory.nz<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>
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Publishing Since
5/18/2021
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Recent Episodes
July 15, 2026
How To Get A Mortgage In New Zealand: Mikey Smith of Guardian Smith
<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><br><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><br><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><br><p>Find Mikey:</p><p>https://guardiansmith.co.nz/</p><p>https://instagram.com/officialmikeysmith</p><br><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><br><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><br><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><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>
July 13, 2026
MM 322 - 4 In 10 Kiwis Couldn’t Find $5,000 This Week
<p>4 in 10 New Zealanders say they couldn’t access $5,000 within a week without going into debt if an unexpected emergency came up. $5,000 sounds like a lot of money and will be to many people who read this. Whilst others will feel that $5,000 is stuff all. Remember that finance is personal. But does it really go that far anymore? Well we better at least make sure we've got $5k sorted! </p><br><p>Pssst...fuel your day with better nutrition (20% off first order): <a href="https://boysgetpaid.krtra.com/c/cOI0ShZpXQrK/w2zN" rel="noopener noreferrer" target="_blank">Radix.co.nz/KTC</a></p><br><p>Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. </p><br><p>Find us here:</p><p>@keepthechange_nz</p><p>https://www.keepthechange.co.nz/</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>
July 8, 2026
Is It Still Possible For Young New Zealanders To Buy A Home? Top Mortgage Broker Reveals
<p>Most young Kiwi have bought into the belief that home ownership is impossible. Yet Sarah from Guardian Smith bought her first home at 25, after selling her car and riding a mountain bike to save the last $10K of her deposit.</p><br><p>Sarah breaks down what's actually working for young buyers: Kiwisaver contributions, the 5% deposit first home loan scheme most people don't know exists, and the strategy of buying a home and getting mates to pay board... Covering a huge chunk of the mortgage while building equity instead of paying someone else's mortgage.</p><br><p>The average first home buyer age is 37. Sarah's youngest client bought at 22. The difference? A clear goal, consistent saving, and the belief that it can actually be done.</p><br><p>We cover why 20% deposit is a myth, how to get pre-approval ready even if you're not there yet, and the sacrifices that separate people who buy young from those who wait decades. Plus Sarah's journey from math teacher to mortgage broker.</p><br><p>It's still possible. You just need to know how the game actually works.</p><br><p>Find Sarah:</p><p>https://instagram.com/mortgagebrokersarah_</p><br><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><br><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><br><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><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>
880 total episodes available
Recent guests on Keep The Change
Guests from recent episodes — sign up to see every guest that has ever appeared on this show.
Ilse Wolfe
Guest
Mikey Smith
Guest
Fraser Kilgour
Guest
Iyia Liu
Guest
Janelle Cavanagh
Guest
Generate
Guest
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Frequently asked questions
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- What is Keep The Change?
- How often does this podcast release new episodes?
This podcast updates daily.
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This podcast is available on 8 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
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Information about guest appearances is not available.
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