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Let us be your go-to for all things business, investments and property. Take a look at our helpful podcasts, webinars, articles, guides and more.
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Learning Hub

Let us be your go-to for all things business, investments and property. Take a look at our helpful podcasts, webinars, articles, guides and more.

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Latest Podcast

Commercial Property Investment: Australia and New Zealand ft. Scott O’Neill | Episode 250

04 Dec | Cheques & Balances

EPISODE DETAILS

We dive into the key differences between commercial property investment in Australia and New Zealand, drawing insights from expert Scott O'Neill, CEO and founder of Rethink Group.

Recent Episodes

Episode 247

Insider’s Look At Queenstown Real Estate Success Ft. Mark Harris

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& Balances

Episode 242

Inside Queenstown’s Real Estate Boom Ft. Mark Harris

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& Balances

Episode 232

Is Life Going To Get Easier For Business Owners In NZ? ft. Jarrod Kerr

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& Balances

Episode 226

Mike & James Just Bought 12 Houses! Ft. Ilse Wolfe (Part 1)

Cheques
& Balances

Episode 247

Insider’s Look At Queenstown Real Estate Success Ft. Mark Harris

Cheques
& Balances

Episode 242

Inside Queenstown’s Real Estate Boom Ft. Mark Harris

Cheques
& Balances

Episode 232

Is Life Going To Get Easier For Business Owners In NZ? ft. Jarrod Kerr

Cheques
& Balances

Episode 226

Mike & James Just Bought 12 Houses! Ft. Ilse Wolfe (Part 1)

Cheques
& Balances

Featured eBook

A Smart Guide to First Home Buying

Purchasing your first home is an exciting time, it will be one of the largest financial commitments you will make in your life. It is a process that is full of twists and turns. We developed this guide to help answer any of the questions you might have regarding the buying journey.

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We help Kiwis to make better financial decisions and secure their financial future. Check out our latest webinars for more insights and simple tips to get ahead.

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Calculators

Use our handy repayment calculator as a guide to find out what your repayments could be, work out how many years it could take to pay off your home loan.

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webinar - Financial Planning

How To Build Your 2025 Financial Plan

Join us for an interactive webinar hosted by Michael Vincent and James Blair from Lighthouse Financi...


podcasts - Financial Planning

Commercial Property Investment: Australia and New Zealand ft. Scott O’Neill | Episode 250

We dive into the key differences between commercial property investment in Australia and New Zealand...


podcasts - Financial Planning

Insider’s Look At Queenstown Real Estate Success Ft. Mark Harris | Episode 247

In our recent discussion with Mark Harris, Managing Director of New Zealand Sotheby’s Internationa...


podcasts - Financial Planning

Inside Queenstown’s Real Estate Boom Ft. Mark Harris | Episode 242

In our recent discussion with Mark Harris, Managing Director of New Zealand Sotheby’s Internationa...


webinar - Property

Renovation Success: How We Made $1 Million

Mike and James share their journey of transforming a renovation project into a $1 million success in...


podcasts - Financial Planning

Is Life Going To Get Easier For Business Owners In NZ? ft. Jarrod Kerr | Episode 232

In our recent discussion with Kiwibank Chief Economist Jarrod Kerr, we explored the potential risks ...


podcasts - Property

Mike & James Just Bought 12 Houses! Ft. Ilse Wolfe (Part 1) | Episode 226

We share our journey of purchasing 12 houses, discussing our financial goals and the initial hesitat...


podcasts - Financial Planning

How Retirement is Transforming in the 21st Century | Episode 223

We explore how retirement has evolved in the modern era, particularly in New Zealand. We discuss the...


podcasts - Wealth

How To Build Wealth In Your 40s | Episode 220

In this episode, we explore effective strategies for building wealth in your 40s, whether you’re a...


podcasts - Financial Planning

Survive ’Til 2025: How to Navigate Tough Economic Times | Episode 216

We explore actionable strategies to navigate the economic downturn, highlighting the critical need t...


podcasts - Financial Planning

How To Build Your Financial Plan Ft. Matthew Horncastle | Episode 215

We’re joined by Matthew Horncastle, Managing Director of Williams Corporation, to discuss how to b...


podcasts - Financial Planning

The Future of Retirement in New Zealand Ft. Retirement Commissioner Jane Wrightson | Episode 212

Retirement planning is one of the most critical financial decisions we will ever make. We sat down w...


podcasts - Financial Planning

Why 2025 is Going to Be Better Than 2024 Ft. Reagan White | Episode 209

Guest host Reagan White, from Where’s My Money?, joins us to discuss why 2025 is set to be a bette...


podcasts - Wealth

Why 56% of Kiwis Are Struggling with Their Finances | Episode 206

We sit down with Tom Hartmann, Personal Finance Lead at Sorted, to delve into the pressing issue of ...


podcasts - Property

Interest Rate Update: How Long Should You Fix Your Mortgage For? | Episode 203

In this episode, we dive deep into how historical and recent interest rate trends impact your mortga...


podcasts - Wealth

Quarterly Update: OCR Cut to 5.25% – What It Means for Kiwi Finances & Housing Market | Episode 202

In our latest Quarterly Market Update, we delve into the financial markets and economic trends that ...


podcasts - Insurance

Insurance 101: When & Where To Start With Insurance | Episode 197

We explore the various types of insurance, including life, income protection, trauma, and health ins...


podcasts - Financial Planning

Do Kiwis Have The Worst Financial Literacy In The World? | Episode 196

We sit down with Simon Brown, Co-CEO of Banqer, to delve into the state of financial literacy in New...


podcasts - Wealth

What To Expect From New Zealand’s Housing Market In 2025 Ft. Kiwibank Chief Economist Jarrod Kerr | Episode 191

As New Zealand navigates its economic future, migration trends, housing markets, and innovative fina...


podcasts - Wealth

Top 5 Money Myths Debunked | Episode 188

In this episode, we unravel the top 5 money myths that many Kiwis hold. Should you avoid loaning mon...


podcasts - Property

An Introduction to Behavioural Finance: 5 Financial Biases & How to Avoid Them | Episode 185

We dive into behavioural finance, exploring five common financial biases: anchoring, loss aversion, ...


webinar - Financial Planning

New Accounting Changes That Could Save You Thousands In Tax

With interest deductibility being phased back in, a new change has come into effect from July 2024. ...


podcasts - Property

Connecting A Billion People from New Zealand to India Ft. Carmen Vicelich | Episode 182

We sat down with Carmen Vicelich, New Zealand's trailblazing serial female data and tech entrepreneu...


podcasts - Wealth

How To Manage Money in a Relationship | Episode 179

Finances can be a difficult thing to discuss with your partner. However, it’s crucial to be on the...


podcasts - Wealth

Side Hustle Or 9-5? Ft. Iyia Liu | Episode 176

We sit down with multi-million dollar business owner, Iyia Liu, to gain insights into the world of s...


podcasts - Wealth

From University Student to 7-Figure Business Owner Ft. Iyia Liu | Episode 173

Discover how Iyia Liu turned from a university student to the owner of four seven-figure businesses ...


podcasts - Financial Planning

Should You Cancel Life Insurance And Save Instead? Ft. Partners Life Chief Actuary Kate Dron | Episode 170

Join us as we talk with Kate Dron, Chief Actuary at Partners Life, about the risks of canceling life...


podcasts - Wealth

How To Make The Most Of KiwiSaver & Grow Your Balance | Episode 167

KiwiSaver is your ticket to a secure future, whether you're aiming to buy your first home or retire ...


podcasts - Wealth

How $50 Built One Of NZ’s Most Successful Start-Ups Ft. Sharesies Co-Founder Sonya Williams | Episode 163

We sat down with Sonya Williams, Co-Founder of Sharesies, to take a look into the process of buildin...


podcasts - Financial Planning

Budgeting 101: How To Create A Budget And Stick To It | Episode 161

In this week's episode of Cheques & Balances: The Takeover, Jess and Makayla explore the basics of b...


podcasts - Wealth

5 Things Millionaires Don’t Want You to Know | Episode 158

Join Mike and James as they explore the results of the biggest survey ever done on millionaires, unc...


podcasts - Property

Mike & James Buy A House Together Ft. Amy Stevens Founder Of Slice | Episode 157

Join Mike and James as they sit down with Amy Stevens, Founder of the first home buyers platform, Sl...


podcasts - Tax

Why Your Uber Eats Bill Is About To Get More Expensive Ft. Matt Harris | Episode 156

Find out why platforms like Uber and AirBNB are about to get a whole lot more expensive as Matt Harr...


podcasts - Wealth

Why Mothers Could Lose Up To $300K In Retirement Ft. Stephanie Pow | Episode 155

We welcome back Stephanie Pow, Founder of Crayon, to discuss the financial challenges faced by mothe...


podcasts - Property

Does Living Next To A School Zone Increase Property Value? Ft. Alex Martelli | Episode 154

Is living in a top school zone really worth $500K? Join us as we chat with Buyer's Agent, Alex Marte...


podcasts - Financial Planning

Matt’s Property Predictions For 2024 Ft. Matthew Harris | Episode 153

Step into the future of property investment with Matt Harris as he unveils his predictions for the N...


podcasts - Financial Planning

Day In The Life Of A CEO Ft. Kiwibank CEO Steve Jurkovich | Episode 152

We sat down with Steve Jurkovich, CEO of Kiwibank, to delve into the multifaceted world of leadershi...


podcasts - Financial Planning

Parental Leave Policies You Need To Know Ft. Stephanie Pow | Episode 151

In a game of true or false with Stephanie Pow, Founder of Crayon, we uncover the startling truths ab...


podcasts - Financial Planning

NZ’s First Woman To Sell For $1Billion Ft. Naomi Ballantyne | Episode 150

From humble beginnings to overcoming complex challenges, Naomi's story offers profound insights into...


podcasts - Financial Planning

Top 3 Economic Trends For New Zealand Ft. Chief Economist Jarrod Kerr | Episode 149

Join us as we explore "What Would Jarrod Do?" with Jarrod Kerr, Chief Economist at Kiwibank. We tap ...


podcasts - Financial Planning

What’s REALLY Going To Happen In 2024 Ft. Chief Economist Jarrod Kerr | Episode 148

We sat down with KiwiBank's Chief Economist, Jarrod Kerr, as he offers crucial insights into economi...


podcasts - Wealth

The Cost Of Childcare Ft. Stephanie Pow | Episode 147

From financial strains to workforce barriers, we sat down with Stephanie Pow from Crayon to unpack t...


podcasts - Financial Planning

How Much Does The Bank Make Off You? | Episode 146

Ever wondered how much the bank truly makes off you? We dive deep into the numbers and uncover the h...


podcasts - Financial Planning

Mike And James Predict The Future (2024 Update) | Episode 145

We evaluate our 2023 predictions and spice things up with a forecast for the financial landscape of ...


podcasts - Investment

What Caused 2023’s ‘Everything’ Rally? | Episode 145

We explore the unexpected market events of 2023 and the factors behind the remarkable ‘Everything...


podcasts - Wealth

Don’t Make NY Resolutions – Do This Instead | Episode 144

Inspired by James Clear’s groundbreaking book “Atomic Habits”, we explore the transformative p...


podcasts - Wealth

How To Build $1 Billion Of Property Before 30 – An Interview With Matthew Horncastle | Episode 143

To kick off the 2024 year, we're joined by Matthew Horncastle, Managing Director At Williams Corpora...


podcasts - Mortgages

The Best NZ Regions To Invest In Over The Next 5 Years | Episode 142

Over the past five years, the housing market in New Zealand has experienced significant growth. Howe...


podcasts - Mortgages

When Property Investors Will Be Cashflow Positive Again | Episode 141

We explore the various factors contributing to the current cash flow dilemma for property investors ...


podcasts - Financial Planning

How Much Car You Can Afford (By Salary) | Episode 140

A car is often one of the most significant financial investments you'll make in your lifetime, apart...


podcasts - Financial Planning

Should You Buy A Bach? We Crunch The Numbers | Episode 139

In this episode, we explore the financial and lifestyle considerations of bach ownership, unraveling...


podcasts - Mortgages

How To Survive 7% Interest Rates | Episode 138

Are you (or know someone who is) losing sleep at night over 7% interest rates? This episodes for you...


podcasts - Financial Planning

Our Top 5 Tips When Getting A Divorce Ft. Amanda Donovan | Episode 137

Dividing property during a separation or divorce can be a challenging and emotionally charged proces...


podcasts - Financial Planning

Revealed: How Much Kiwi’s Spend In Retirement Ft. Ben Brinkerhoff | Episode 136

Were joined by Ben Brinkerhoff to delve into the critical topic of retirement savings.



podcasts - Investment

10 Best Strategies For Investing Ft. Ben Brinkerhoff | Episode 135

This week we have Ben Brinkerhoff, Head of Advice at Consilium here to talk about how you can improv...


podcasts - Financial Planning

The Science Of Spending Ft. Ben Brinkerhoff | Episode 134

This week we're joined by Ben Brinkerhoff from Consilium to talk about "the science of spending".


podcasts - Mortgages

How To Negotiate On A Property Ft. Emma Duncan | Episode 133

This week we're joined by Emma Duncan from Anne Duncan Real Estate to talk about her top negotiating...


podcasts - Financial Planning

Financial Advisers React To ChatGPT | Episode 132

This week James and Mike react to financial advice provided by ChatGPT. We ask a range of questions ...


podcasts - Property

Election Special: What Happens To House Prices Under A National Or Labour Government | Episode 131

We get over 30 years of data from Valocity to see if and how house prices change under a National or...


calculator - Mortgages

Interest Only Mortgage Calculator



calculator

Loan Repayment Calculator



podcasts - Mortgages

Should You Use A Buyer’s Agent? Ft. Alex Vincent Martelli | Episode 130

In New Zealand, most houses are sold by one real estate agent who works for the seller. Even though ...


podcasts - Wealth

Election Special: An Interview With David Seymour – ACT Leader | Episode 129

In our latest episode, James Blair sat down with David Seymour, the leader of New Zealand's ACT Part...


podcasts - Wealth

Why You NEED A Will Ft. Shaun McGivern | Episode 128

For most people, a will is often their main asset planning tool which means it is important to ensur...


guide - Mortgages, Property

A Smart Guide to First Home Buying

Correctly preparing your rental property’s tax return can be stressful and time consuming if you l...


podcasts - Mortgages

Cashflow Hacking 101 Ft. Ilse Wolfe | Episode 127

Ilse Wolfe joins us on Cheques and Balances to chat about how to find cashflow in property investmen...


calculator - Wealth

Retirement Calculator

Work out whether your current savings plan will be sufficient enough to fund the retirement lifestyl...


podcasts - Financial Planning

Why You Need A Prenup Ft. Amanda Donovan | Episode 126

This week we're joined by Amanda Donovan from Haigh Lyon Lawyers to talk about contracting out agree...


podcasts - Mortgages

Why Aren’t Rents Keeping Up With Costs? | Episode 125

Even though rent goes up, it's still not keeping pace with the costs of looking after properties. So...


podcasts - Investment

From $5,000 to $20 Million before 40 – The Ilse Wolfe Story | Episode 124

From $5,000 to $20 Million before 40. This week we're joined by Ilse Wolfe from Opes Accelerate to t...


podcasts - Accounting

How To Prepare Your First Property Tax Returns Ft. Amanda Quill | Episode 123

This week we're joined by Amanda Quill to go through how to prepare your first year of tax returns f...


podcasts - Accounting

Hnry vs. Accountants Ft. Amanda Quill | Episode Episode 122

This week we're joined by Amanda Quill to go through the pros and cons of using Hnry versus using an...


podcasts - Financial Planning

How To Budget For A Wedding | Episode 121

This week we're joined by Amanda Quill, Manager here at Lighthouse (and soon to be married) for her ...


podcasts - Investment

Property vs. Shares – The Ultimate Showdown | Episode 120

The age old question - What provides better results, property or shares? We go through a case study,...


podcasts - Investment

Financial Scams You Need To Avoid | Episode 119

Around one in five Kiwis has been targeted by an investment scam. Here's all the common financial sc...


podcasts - Financial Planning

Habits Of Wealthy People | Episode 118

Understanding the habits that contribute to financial success is paramount in today's economic clima...


podcasts - Financial Planning

Habits Of Poor People | Episode 117

We go through the top habits that lead to a poor mindset.


podcasts - Investment

The Top Five Mistakes Clients Make | Episode 116

Over time, we've noticed several common mistakes our clients make. Here are the top five, along with...


podcasts - Investment

We’re At The Bottom Baby! – Why The Housing Market Will Turn In May | Episode 115

Inflation peaking, the official cash rate, easing LVR rules and increased market activity are just s...


podcasts - Financial Planning

Is The F.I.R.E Movement A Scam? | Episode 114

As people look for ways to enjoy their lives outside the confines of a traditional 9-to-5 job, peopl...


podcasts - Wealth

How To Beat The Third Generation Curse | Episode 113

The third-generation curse is a phenomenon that affects 90% of families causing them to lose all of ...


podcasts - Investment

Property Development 101 Ft. Matthew Harris | Episode 112

This week we have Matthew Harris on again to talk about his biggest lessons in his property developm...


podcasts - Investment

From 0-30 Properties – The Matthew Harris Story | Episode 111

This week we have our Managing Director on the podcast to chat about his story of how he went from 0...


podcasts - Investment

Houses vs. Townhouses vs. Apartments: We Look At The Numbers | Episode 110

In this article, we'll take a look at the numbers and compare the value appreciation of houses, town...


podcasts - Financial Planning

How To Budget For A Baby | Episode 109

This week we're joined by Catherine Emerson from Kernel Wealth to talk about how to budget for a bab...


podcasts - Investment

The Psychology of Money | Episode 108

Money is a ubiquitous part of our daily lives, and yet we are often taught that it is impolite to ta...


podcasts - Mortgages

Reverse Mortgages – A Good Retirement Strategy? | Episode 107

Reverse mortgages have become a popular topic in New Zealand due to several factors. The country’s...


podcasts - Financial Planning

When Investing In Property Is The Wrong Solution – A Case Study | Episode 106

Property investment has become an obsession in New Zealand due to its ability to yield great returns...


podcasts - Investment

Term Deposits: Are They Worth It? | Episode 105

Interest rates in New Zealand have been on the rise lately, and while this may be bad news for borro...


podcasts - Investment

Our 2023 Predictions – Ft Luke Kemeys | Episode 104

James and Mike are joined by Luke Kemeys from Next Advisory and Keep The Change podcast to see if th...


webinar - Financial Planning

Webinar Special: Inflation, Interest Rates and Volatility

This week we have a special episode from a recent webinar we did on how to make financial decisions ...


podcasts - Property

The Ultimate First Home Buyers Guide | Episode 102

Purchasing your first home is an exciting time, it will be one of the largest financial commitments ...


podcasts - Investment

How To Tackle 2023 – High Interest Rates And Rising Unemployment | Episode 101

How to tackle 2023 with high interest rates and rising unemployment.


podcasts - Investment

What Happens After A Recession? | Episode 100

This week - what happens after the world falls apart and the stock market crashes?


podcasts - Wealth

How To 3x Your Income In 12 Months | Episode 99

This week on Cheques and Balances, we're joined by Jason Gerken who shares his inspirational story a...


podcasts - Financial Planning

30 Year Old Couple Retire At 50 With Over $5 Million – Case Study | Episode 98

People dream of getting onto the property ladder, but what happens after that? This episode breaks d...


podcasts - Mortgages

Why 40 Might Be Too Late To Buy Your First Home (The Numbers Will Shock You) | Episode 97

We're starting to see more and more clients who are buying their first home a little later in life, ...


podcasts - Financial Planning

What Is Financial Fasting? We Explore The Trend | Episode 96

Welcome to Cheques and Balances. I’m Michael Vincent and this is James Blair. This week we’re ge...


podcasts - Wealth

Financial Advisers React to TikTok Money Advice Part 2 | Episode 95

You asked for it, so here it is! We’re going to be looking at some more financial advice on TikTok...


podcasts - Wealth

The Barefoot Investor Book Review – Part 2 | Episode 94

The final part of our II part series. We review the #1 Australian best selling book by author Scott ...


podcasts - Wealth

The Barefoot Investor Book Review – Part 1 | Episode 93

We review the #1 Australian best selling book by Author Scott Pape; The Barefoot Investor. Scott Pap...


podcasts - Wealth

Case Study: Couple Create $2.6 Million In 15 Years – The Sprint | Episode 92

We often talk a lot about taking steps towards financial freedom as early as possible, but what if y...


podcasts - Wealth

Savings Vs. Offset – The Best Place For Your Emergency Fund | Episode 91

This week we’ve got a question from a listener, Dean asks: “What are the pros and cons of using ...


podcasts - Wealth

Is Living In Australia Cheaper Than NZ? We Crunch The Numbers | Episode 90

This week on Cheques and Balances, we answer a listener question, is it cheaper to live in Australia...


podcasts - Property

How To Sell Your Business – Ft Peter Nola | Episode 89

We've got a bonus episode this week with business broker at ABC Business Sales - Peter Nola



podcasts - Wealth

5 Myths When Trying To Sell Your Business | Episode 88

These are 5 of the most common myths business owners believe when selling their business.


podcasts - Mortgages

Supercharge Your House Deposit – The Bank Of Mum And Dad | Episode 87

The bank of Mum and Dad has become the 5th largest home loan lender in New Zealand, with an estimate...


podcasts - Financial Planning

A Case Study On Rich vs. Wealthy Households | Episode 86

This week we do a case study on what a ‘rich’ and a ‘wealthy’ household looks like. You migh...


podcasts - Investment

A Chat With Kernel CEO Dean Anderson | Episode 85

This week we're joined by Dean Anderson, CEO of Kernel, for a quick chat about his experience in the...


podcasts - Investment

How To Time The Stock Market | Episode 84

You will always find someone who thinks the market is too hot or cold or risky right now and market ...


podcasts - Mortgages

5 Myths About Mortgage Applications | Episode 83

Welcome to Cheques and Balances. I’m Michael Vincent, this is James Blair and this week – 5 myth...


podcasts - Wealth

Financial Advisers React to TikTok Money Advice | Episode 82

On this week’s episode we’re joined by Dean Anderson from Kernel Wealth. We’re going to be loo...


podcasts - Mortgages

What The CCCFA Rollback Means For You | Episode 81

Welcome to Cheques and Balances. I’m Michael Vincent, this is my co-host, James Blair and this wee...


podcasts - Financial Planning

The Wealth Principle You Need To Know | Episode 80

On this podcast we talk a lot about market updates, strategies to help you get ahead and securing yo...


podcasts - Wealth, Insurance

5 Myths About Insurance | Episode 79

On this week's episode, we're joined by Elle Wuthrich, Insurance Adviser at Lighthouse to talk throu...


podcasts - Wealth, Insurance

Health Insurance – Do You Need It? | Episode 78

Welcome to Cheques and Balances, this week we’re joined by Elle Wuthrich, insurance adviser at Lig...


podcasts - Mortgages

The 5% First Home Deposit – Myth Or Truth? | Episode 77

With the 5% deposit First Home Loan, effective 1st June 2022, you can now purchase a property for an...


podcasts - Accounting

Tax Bills From $800 To $8,000 – A Case Study On Interest Deductibility | Episode 76

Welcome to Cheques and Balances, this week we’re joined by Matthew Harris, director of Lighthouse ...


podcasts - Investment

We Review Our 2021 Predictions | Episode 75

James and Mike see if their 2021 market predictions turned out the way they thought they would and m...


podcasts - Financial Planning

Are You Behind On Retirement? | Episode 74

Welcome to Cheques and Balances. This week we are asking the question: are you behind in your retire...


podcasts - Mortgages

5 Tips For Finding More Cashflow In Your Rental Property | Episode 73

Welcome to Cheques and Balances. I’m Michael Vincent, this is James Blair and this week, getting s...


podcasts - Investment

How KiwiSaver Passive Funds Could Lose You Money | Episode 72

Welcome to Cheques and Balances, this week, conservative funds are dropping more than growth funds, ...


podcasts - Investment

The R Word – Are We In A Recession? | Episode 71

Welcome to Cheques and Balances. I’m Michael Vincent. This is James Blair. This week we’re in th...
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