Cheques and Balances

In this episode, we break down what forward fixing actually is, how rate locks work, what rising interest rates could mean for borrowers in 2026, and the key mistakes to avoid when locking in your next mortgage rate.

Next steps: Speak to the Lighthouse Mortgages team about whether forward fixing or restructuring your lending could make sense before rates move again.

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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.

Australia’s tax overhaul could become New Zealand’s opportunity.
In this episode, we break down Australia’s major property and capital gains tax changes, what ring-fencing and reduced CGT concessions mean for investors and business owners, why some believe these policies punish aspiration, and whether New Zealand could benefit from an influx of capital, businesses, and entrepreneurs across the Tasman.
Next Steps: If you want to structure your investments, business, or property portfolio more effectively in a changing tax environment, get in touch with the Lighthouse Accounting team today.

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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.

New Zealand’s debt is exploding… but is it actually a problem?
With Budget 2026 around the corner, we break down New Zealand’s $182 billion debt position, whether the country should be worried about rising interest costs, how our debt compares globally, and why borrowing isn’t always a bad thing. James and Mike debate whether the Government is too focused on cutting costs instead of growing the economy, the risks around productivity and public sector cuts, and whether debt used for infrastructure, healthcare, and long-term growth could actually make New Zealand wealthier over time.

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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.

Australia just changed the game on tax and New Zealand might be the biggest winner.
In this episode, we break down Australia’s new capital gains tax changes, why business owners and startups could start looking at New Zealand differently, the impact on entrepreneurs, tech companies and investment, the opportunity for New Zealand’s economy to attract talent and capital, how tax policy shapes productivity and growth, and why this could become one of New Zealand’s biggest economic opportunities in years.

Next Steps: If you own Australian property or you’re considering investing across the Tasman, now’s the time to understand what these tax changes could mean for your portfolio. Speak to Lighthouse Accounting today.

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.

Most Kiwis are heading towards retirement with far less than they think they need. The difference between struggling in retirement and living comfortably often comes down to just a few KiwiSaver decisions.

In this episode, we break down the real factors that can dramatically change your retirement outcome, including KiwiSaver fund selection, contribution rates, provider performance, NZ Super concerns, the risks of switching funds at the wrong time, why most Kiwis are underprepared for retirement, and how consistent long-term investing could mean the difference between retiring with a few hundred thousand dollars or several million.

Next Steps: If you’re unsure whether your KiwiSaver is actually set up to support the retirement you want, speak with the Lighthouse KiwiSaver team today for a free KiwiSaver review.

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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.