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Ever wondered what it takes to navigate the ever-changing landscape of mortgages and finance? Join me as I chat with Craig Pettit, a seasoned advisor with over 45 years in the trenches. This isn't your average dry financial talk. Craig's journey, from a young bank employee to a successful mortgage advisor, is packed with fascinating experiences and valuable insights. We'll delve into: • The rollercoaster ride of economic climates: Craig will share his firsthand perspective on navigating various economic ups and downs, offering unique insights into the past and a glimpse into the future. • Taming the interest rate beast: We'll explore the complexities of fluctuating interest rates and Craig's expert strategies for helping clients weather the storm. • Unlocking the secrets of the New Zealand economy: Craig sheds light on the factors that make New Zealand's economy tick, discussing the banking system, property market, and the impact of changing interest rates on individuals. • Beyond the numbers: personal anecdotes and investment wisdom: Get ready for a captivating blend of personal stories, practical advice, and Craig's investment strategies for navigating the current financial landscape. Whether you're a seasoned investor or just starting out, this conversation is packed with valuable takeaways to help you navigate the world of finance with confidence. So, grab your favorite beverage, buckle up, and get ready for an insightful and engaging discussion with Craig Pettit! 00:00 Introduction 00:13 Career Journey and Experiences 01:48 Reflections on Family Life and Moving Around 02:33 Insights into the Railways and Banking Industry 03:59 Changes in the Banking Industry and Technology 04:57 Government Involvement in Banking and Private Enterprise 05:38 Perspectives on Home Loans and Customer Characteristics 06:18 Thoughts on the Banking Industry Setup 10:15 Personal Career Journey and Transition to Mortgage Advising 10:56 Observations on the Banking Industry and Credit Scores 13:31 Discussion on the U.S. Economy and Currency 15:44 Insights into the New Zealand Banking System 18:10 Understanding the Impact of Inflation and Unemployment on Interest Rates 20:58 Reflections on Generational Differences and Property Investments 31:10 Advice for Navigating the Current Housing Market 42:29 Final Thoughts on the Robustness of the New Zealand Economy

Apply to be a podcast guest: https://findadvice.nz/podcast In this podcast, the host interviews Campbell Hastie, a mortgage broker, where they touch upon a variety of topics ranging from Campbell's controversial view on making a peanut butter sandwich to deep dives on the concept of consciousness. Campbell shares his unique perspective on the food he believes holds a special quality – the kind you'd catch, grow or kill yourself. He also compares the qualities of a good mortgage to a well-played game of hockey and emphasizes on trust as a major aspect of his business. Moreover, Campbell talks about his journey as a mortgage broker and how the focus on long-term rewards helped him survive during tough times. The conversation also includes an interesting take on the dynamics between life insurance and mortgage brokering. Guests website: https://hastiemortgages.co.nz/ 00:00 Introduction 00:22 Desert Island Meals and Food Preferences 00:57 The Magic of Self-Sourced Food 02:15 The Joy of Fishing and Hunting 02:54 Surviving in the Wild: A Reality Check 03:12 The Pleasures of YouTube and the Dilemma of TikTok 03:34 The Art and Science of Fishing 05:17 The Intriguing Life Cycle of Insects 05:56 The Thrill and Fear of Catching Fish 06:24 The Curious Case of Dolphins and Gannets 11:20 The Philosophy of Consciousness and Reincarnation 15:01 The School Life and Sports Experiences 17:37 The Art of Delivering Bad News 21:56 The Emotional Rollercoaster of Buying a House 23:31 The Art of Organizing Mortgages 24:06 The Journey of Becoming a Mortgage Broker 24:32 The Power of Word of Mouth in Business 25:09 Turning Crisis into Opportunity: Writing a Book 25:37 The Impact of PR and Media Exposure 26:49 The Importance of Consistency and Credibility 28:40 The Role of Referrals in Business Growth 29:28 The Art of Delivering a Good Job 31:53 The Importance of Trust in Business 37:56 The Power of Specialization in Business 41:30 The Value of Persistence and Resilience 50:03 The Power of Delayed Gratification 54:08 The Challenges of Compliance in the Mortgage Industry

Free Insurance Advice in minutes: https://findadvice.nz/ Chapters 00:00 Introduction: The Common Mistakes in Business Marketing 00:06 Understanding Facebook Campaign Structure 00:26 The Importance of Choosing the Right Objective 01:16 Targeting the Right Audience: A New Approach 02:34 The Power and Pitfalls of Remarketing 03:30 The Misconception of Cost-Effective Leads 07:05 The Reality of Agency Marketing Strategies 08:54 My Unique Approach to Facebook Marketing 12:35 The Importance of Speed in Lead Conversion 13:56 Conclusion: The Impact of Effective Marketing Strategies

In this interview, Lillian Nguyen shares her experiences as a Vietnamese mortgage advisor and breaking into the finance industry in New Zealand. Lillian discusses how she helps self-employed clients navigate the complex mortgage process and lends advice on what to consider before buying a house. Apart from her professional life, Lillian talks about her personal experiences, including her fear of swimming and how she overcame it, her childhood days in Vietnam, and the fascinating details of her journey to New Zealand. Lillian also explores cultural differences, such as how Vietnam's street food scene compares to New Zealand's more formal dining culture. This interview is not only an insightful view into Lillian's life but provides valuable information for prospective home buyers, especially those who are self-employed. Guest details: https://www.mintfinancial.co.nz/ Chapters 00:00 Introduction 00:00 Meet Lillian: A Mortgage Advisor 00:47 Lillian's Origin Story: From Vietnam to New Zealand 01:16 Overcoming Fear: Lillian's Swimming Journey 05:30 Education Differences: Vietnam vs New Zealand 12:59 Cultural Adaptation: Fitting into a New Society 18:35 Exploring Vietnam: A Native's Perspective 24:15 Discussing the Intricacies of Tunnels 24:47 Understanding Different Cultures 25:07 Exploring Personal Education and Career Paths 26:10 The Journey from Checkout Manager to Bank Employee 28:59 Insights into Helping Self-Employed Clients 30:24 The Importance of Financial Statements and Open Communication 31:09 The Balance Between Paying Taxes and Getting a Mortgage 34:14 The Pros and Cons of Buying a House 36:52 Understanding the Current Property Market 51:08 The Debate: Renting vs Buying a House 52:45 Final Thoughts and Advice for First-Time Home Buyers

In this enlightening conversation, Gerard Tilleyshort, a noteworthy insurance broker, business owner and industry veteran, unveils his journey to professional triumph starting from modest beginnings. His principles emphasize on stepping out of comfort zones, perpetual resilience, maintaining strong client relationships, and creating a network with successful entities. Gerard tackles both personal and professional challenges ranging from dealing with his wife's brain tumor diagnosis to negotiating the hurdles that come with operating a business. Tilleyshort outlines the intricacies of the insurance sector, shedding light on risk, pricing, and client-oriented services. His golden advice for budding industry players underscore the power of consistent efforts, delivering value, and fostering a customer-centric business for achieving ultimate success. 00:00 Introduction 00:00 The Power of Mindset and Stepping Out of Your Comfort Zone 01:26 The Drive Behind Success and Personal Background 02:49 Navigating School Life and Early Career 04:07 The Impact of Personal and Professional Environments on Success 10:40 The Journey into the Insurance Industry 12:12 The Role of Insurance in Life and Business 15:36 The Challenges and Rewards of the Insurance Industry 18:24 The Importance of Relationships and Trust in Business 23:15 The Future of the Insurance Industry 31:06 Growing Pains in Business 32:00 The Challenges of Small Business 33:04 The Intricacies of Insurance 34:21 The Business of Insurance 35:06 The Reality of Running a Business 35:46 The Emotional vs Logical Approach to Insurance 36:26 The Necessity of Insurance 37:15 The Value of Insurance 39:38 The Politics of Insurance 41:38 The Role of Insurance in Business 46:39 The Journey to Success 57:26 The Impact of Insurance 01:01:59 Understanding the Value of Money 01:02:15 Dealing with Grief and Business Challenges 01:02:48 Personal Experience with Health Crisis 01:03:57 The Reality of Business and Adversity 01:04:25 Navigating the Financial Advice Space 01:05:29 The Power of Networking and Collaboration 01:06:44 Entering the Insurance Industry: Challenges and Advice 01:09:06 The Importance of Relationship in Business 01:10:05 The Role of Insurance in Business 01:11:14 Innovation and Challenges in the Insurance Industry 01:12:16 The Art of Referrals in Business 01:13:18 The Journey of Growing a Business 01:14:59 Understanding the Value of Insurance 01:18:21 The Politics and Dynamics of the Insurance Industry

In this discussion, Bruce Harnell, a former decathlete and experienced mortgage broker recounts his experiences in sports, having a long-lasting relationship, and journey as a mortgage broker. Bruce, who identifies as an introvert, shares his high school days as a jock and how he moved from sports into the banking industry. He talks candidly about how his wife has played a significant role in his life, helping him navigate through his introverted nature in a sales-driven role. He discusses how he's managed to balance affecting sales targets with meaningful client relations. During the interview, Bruce also explains the dynamics of the mortgage industry, including how banks determine loans and interest rates. He finally reflects on how his introverted nature, coupled with empathetic business approach, impacts his interaction with clients and business operations. Guests Details: https://adviser.loanmarket.co.nz/bruce-harnell Chapters 00:00 Introduction 00:00 School Days and Early Sports Involvement 00:32 Maintaining Fitness and Health in Adulthood 00:59 Reflections on Aging and Exercise 02:42 Journey into Athletics and Decathlon 05:33 Transition into Sales and Overcoming Introversion 07:09 Navigating the Challenges of Sales 09:17 Personal Growth and Relationship Building 12:11 Balancing Family, Work, and Personal Identity 18:41 The Role of Faith and Respect in Long-term Relationships 23:01 Defining Success and Prioritizing Family 24:35 Overcoming Challenges in the Financial Market 25:12 The Journey of Starting a Business 25:41 Leveraging Contacts and Building a Business 26:04 The Role of Family in Business Success 26:38 Dealing with Rejection and Building a Client Base 27:50 The Importance of Insurance in Financial Planning 28:11 The Impact of Health Issues on Financial Stability 28:33 The Role of Insurance in Risk Management 30:02 The Reality of Financial Struggles and the Importance of Planning 30:23 The Challenges and Rewards of Being a Mortgage Broker 32:51 Understanding the Impact of Interest Rates on Mortgages 34:24 The Role of Insurance in Mortgage Brokering 35:58 The Future of Mortgage Brokering 39:01 The Impact of Economic Changes on Mortgages 39:46 The Importance of Client Expectation Management in Mortgage Brokering 43:17 The Impact of Economic Changes on Mortgage Rates 44:02 The Challenges of Regulatory Compliance in Mortgage Brokering 45:56 The Challenges and Rewards of Being a Mortgage Broker 48:53 The Role of Technology in the Mortgage Industry 49:30 The Future of Mortgage Brokering 58:39 Concluding Thoughts

Join us as we embark on an inspiring journey with Ananda Kumar Founder of Expert Finance, a man who defied his humble beginnings in a small village in Bihar, India, to carve his own path to success in the New Zealand mortgage industry. In this insightful podcast episode, we delve into: -Early life in rural India: Discover how Ananda's upbringing in a clay house fueled his determination for education and a better future. -Southern sojourn for knowledge: Learn about his pursuit of higher education in South India and the valuable lessons he gained. -Banking experience and entrepreneurial spirit: Explore his foray into the banking industry and the spark that ignited his passion for entrepreneurship. -MBA-powered expertise: Witness how his Master of Business Administration empowered him with practical knowledge in financial management and business operations. -Mastery of the mortgage game: Uncover his insights into the importance of meticulous loan structuring and strategic financial advice for accelerated mortgage payoff. -The dual role of a mortgage advisor: Understand how Ananda expertly navigates the dual responsibility of pre-qualifying businesses and ensuring complete transparency for his clients. -From Bihar to New Zealand: Celebrate Ananda's remarkable journey, fueled by perseverance and a commitment to helping others achieve their homeownership dreams. This episode is a must-listen for anyone seeking inspiration, practical financial advice, and a glimpse into the transformative power of education and ambition. Don't miss out as we unravel the captivating story of Ananda Kumar, the Bihaari village boy who became a Kiwi mortgage master! Guest Details: https://expertfinance.co.nz/ 00:00 Introduction 00:00 Growing Up in a Small Village in India 00:25 Pursuing Higher Education and Starting a Career 00:47 The Value of an MBA 01:35 Life in a Clay House 03:51 Family Life and Childhood Memories 05:12 Understanding Financial Struggles and the Importance of Finance 07:55 The Journey to Financial Stability 12:26 The Role of Mathematics in Life and Business 18:54 Investing and Managing Finances 28:38 The Importance of Mortgages and Financial Planning 35:30 Understanding Different Mortgage Structures 37:45 The Role of Mortgage Brokers 39:29 The Importance of Proper Loan Application 40:23 The Journey of First-Time Home Buyers 41:31 The Role of Banks in Mortgage Broking 45:08 The Future of Mortgage Broking 45:48 Understanding the Remuneration of Mortgage Brokers 55:41 The Challenges and Rewards of High Net Worth Clients 01:02:11 The Role of Investment in Mortgage Planning 01:05:47 Wrapping Up: The Complexities of Mortgage Broking

Join us for an insightful conversation with Marc Proctor, CA & Financial Advisor at Blissett Wealth, as he sheds light on navigating market uncertainties, managing your KiwiSaver effectively, and achieving financial peace of mind. Key Takeaways: Market's Impact on KiwiSaver: Learn how recent market gyrations affect your retirement nest egg and what adjustments you might need to make. CA + Financial Advisor = Unique Perspective: Gain insights into Marc's dual expertise and how it shapes his approach to financial planning and risk mitigation. Building Trusting Relationships: Discover Marc's philosophy on client communication and collaboration for sound investment decisions. Beyond the Headlines: Go beyond the noise and sensationalized financial news to delve into practical planning strategies. Taming Market Volatility: Explore actionable tactics to navigate market ups and downs while safeguarding your investments and achieving your financial goals. Present vs. Future Balance: Find the sweet spot between enjoying today and making smart choices for a secure and fulfilling retirement. Bonus Content: Website: Dive deeper into Blissett Wealth's services and philosophy: https://blissettwealth.co.nz/ Resources: Download helpful guides and tools related to KiwiSaver, investing, and retirement planning. Connect with Marc: Reach out via Blissett Wealth's website or social media for a personalized consultation. 00:00 Introduction 00:00 Understanding Market Turbulence and KiwiSaver 00:23 The Dual Role of a Chartered Accountant and Financial Advisor 01:37 Challenges in Charging for Financial Advice 03:30 The Impact of Compliance Changes on Financial Advice 04:47 The Future of Financial Advice and KiwiSaver 07:25 The Importance of Financial Education and Advice 07:37 Understanding the Impact of Market Fluctuations on Investments 15:41 The Challenges of the Current Economic Climate 15:49 The Impact of Rising Mortgage Rates 20:39 The Role of Property in Investment Portfolios 24:12 Lessons Learned from Providing Financial Advice 25:41 The Importance of Planning for the Future 25:58 The Value of Advice and Making Right Decisions 26:34 Living in the Present and Dealing with Life Changes 27:49 The Importance of Enjoying Life and Pursuing Dreams 28:11 The Unpredictability of Life and the Need to Act Now 29:51 The Role of an Advisor and the Importance of Client's Interest 30:36 Helping Clients Discover Their Goals 31:08 The Influence of Parents and Early Life Experiences 34:05 The Impact of Teachers and Mentors 37:57 The Role of a Spouse in Personal and Professional Life 41:47 The Journey of Leadership and Team Management 44:03 Financial Advice and Retirement Planning 47:20 The Future of Retirement in New Zealand 49:18 Concluding Thoughts

The discussion sheds light on personal growth, leadership, and challenges of running a business. It underscores the importance of having clear aspirations, working towards them consistently, and embracing change. The conversation reveals how the dynamics in businesses, particularly in consultancy, have evolved over the years, with the emphasis on building personal relationships rather than just transactional engagements. The Elliot Royce, Director of Beyond Potential Consulting and The Urban Physio also reflects on his career journey, the roles he undertook, and how those experiences shaped his leadership skills. The latter part of the conversation focuses on the art of problem-solving in business, understanding clients, delivering quick tangible results, and the joy of helping others achieve their potential. Guest's Website: https://www.beyondpotential.co.nz/ and https://www.theurbanphysio.co.nz/ 00:00 Introduction 00:12 The Importance of Hard Work 00:29 First Job Experiences 02:22 School Life and Early Challenges 02:55 Finding Purpose and Overcoming Fear 04:58 Journey through University 07:09 Early Career in Hospitality 10:59 Transition into Business Consulting 14:44 Challenges in the Hospitality Industry 20:26 The Art of Selling Intangible Services 28:31 Creating Value and Building Relationships 29:51 Measuring Success and Setting KPIs 30:59 Personal Success Story: Coaching a Technician to GM 39:11 The Importance of Clear Vision and Direction 40:24 The Art of Coaching and Personal Growth 43:37 The Power of Specificity in Business Strategy 50:19 The Journey to Success: A Personal Perspective 54:29 Closing Thoughts: The Power of Belief and Vision

Chapters 00:00 Introduction 00:26 First Attempt at Cold Calling 01:04 Exploring the Pitch and Overcoming Rejections 01:45 Building Confidence and Improving the Pitch 03:33 Exploring Different Industries and Client Types 05:10 The Art of Negotiation and Closing Deals 06:47 Facing Technical Difficulties and Adapting 08:28 Continuing the Hustle and Making Progress 10:38 Reflections and Lessons Learned 12:17 Facing New Challenges and Adapting Strategies 14:35 Achieving Success and Final Thoughts 17:41 For Anyone Struggling Right Now

In the podcast, Matthew Gilligan, founder of Gilligan Rowe & Associates, shares his wealth of experience in the realm of property investment and management. Gilligan dives into the intricate strategies for successfully navigating the property field, discussing the importance of planning for potential failures and setting up for success. He details the considerations regarding asset protection, tax efficiency, estate planning, and the different facets of legal structures. Furthermore, he highlights the importance of peer review and the roles of lawyers and accountants in safeguarding assets. In addition, he discusses his ventures in property niches such as 'As Is' houses in Christchurch and land banking in Rotorua, and also provides valuable insights into managing the transfer of intergenerational wealth.Guest's Website: https://www.gra.co.nz/ Chapters 00:00 "Introduction" 00:20 "The Entrepreneurial Odyssey: Navigating Business Launch and Team Building" 02:05 "University to Self-Employment: A Tale of Academic Rebellion" 02:31 "Smart Hiring Strategies: The Cornerstone of Success" 03:33 "Door Knocking Chronicles: Challenges, Triumphs, and Everything In Between" 06:35 "Business Evolution and Asset Planning: Crafting Stability in Chaos" 10:06 "Legal and Financial Guardians: The Unsung Heroes of Asset Planning" 15:02 "Peer Review and Fact Finding: Building a Solid Foundation for Asset Planning" 18:23 "Planning for the Unthinkable: Lessons in Failure and Resilience" 22:24 "Navigating Trusts: Safeguarding Wealth for Generations" 25:31 "Estate Planning Essentials: Navigating Relationships and Legacies" 28:14 "Wealth Transition: The Delicate Art of Passing the Torch" 34:27 "Gravy Trotting Awareness: Cautionary Tales in Trust Management" 35:21 "Trust Wealth: The Domino Effect of Mismanagement" 37:13 "Trustees Matter: The Key Players in Wealth Safeguarding" 38:09 "Inheritance Timing and Financial Wisdom: Striking the Right Balance" 38:39 "Early Inheritance Risks: Nurturing Financial Literacy in Heirs" 39:45 "Estate Planning Revisited: A Holistic Approach to Financial Well-Being" 41:51 "Parental Guidance in Finance: Nurturing Money Smarts in Offspring" 42:21 "Strategic Insights into Property Investment: Beyond the Balance Sheet" 58:37 "Decoding Zoning: Unraveling the Impact on Property Investment" 01:02:27 "Precision in Property Investment: The Art of Perfect Timing" 01:04:17 "Unveiling GRA: Clientele and Services Demystified"

In this riveting episode of NZ Business Owners, host Ryan J Melton sits down with the seasoned financial expert, Dave Thomas. Get ready for a thought-provoking exploration into the world of financial planning and education in New Zealand, as Dave sheds light on the challenges and opportunities facing individuals seeking sound financial advice. Discover the key considerations when choosing the right financial advisor, as Dave shares insights into the diverse landscape of financial professionals in New Zealand. The episode takes an emotional turn as Dave recounts real stories of the profound impact insurance can have on people's lives. From navigating the complexities of trauma claims to ensuring financial security in times of uncertainty, Dave reflects on his 23-year journey in the industry. Listeners will gain valuable insights into the importance of long-term relationships built on trust, care, and a genuine commitment to making a positive difference in people's lives. Tune in to this episode to unravel the complexities of the financial world with Dave Thomas, who not only brings expertise but also a deep passion for empowering individuals to take control of their financial futures. Whether you're a seasoned entrepreneur or just starting your business journey, this episode is packed with wisdom and real-world experiences that will leave you inspired and better informed about the financial landscape in New Zealand. Don't miss out on this engaging conversation that transcends numbers and charts to reveal the human side of financial planning.