Cheques and Balances

Your Sharesies account might be quietly draining thousands in tax and most Kiwis don’t even realise it.We break down how tax actually works on shares in New Zealand - from dividends and PIE funds to the $50K foreign investment threshold, FIF rules, and why the way you invest (not just what you invest in) can significantly impact your returns.

Next Steps: If you’re investing and unsure how tax is impacting your returns, get in touch with the Lighthouse Financial team to make sure your structure is working for you not against you.

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.

A global oil shock could quietly reset New Zealand’s recovery - and most people aren’t ready for the flow-on effects.
In this episode, we break down how rising oil prices are driving inflation, impacting supply chains, pushing mortgage rates higher, and forcing tough decisions from the Reserve Bank - while unpacking what it all means for borrowers, businesses, and long-term financial plans in an increasingly uncertain economy.

Next Steps: If you’re unsure how this is going to impact your mortgage, reach out to the Lighthouse team 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.

Build a 30 year retirement plan by starting with your first home.In this episode, we use a real first home buyer case study to break down deposits, KiwiSaver decisions, mortgage affordability, budgeting habits, insurance, and how to turn one property into a long-term wealth plan.

Apply Now:⁠ We’re picking one Cheques & Balances listener to build a personalised financial plan with and we’ll document the entire journey on the podcast.

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.

If you’re not on track with your 2026 financial plan yet - this is where you fix it.

In this episode, we break down how to build a practical financial plan from scratch, covering goal setting, budgeting, KiwiSaver, debt management, investing, and the exact step-by-step roadmap to get ahead financially in today’s market.

Apply Now: We’re picking one Cheques & Balances listener to build a personalised financial plan with and we’ll document the entire journey on the podcast.

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.

Buying your first home in NZ isn’t about finding “the one” - it’s about not getting burned in the process.
In this 2026 first home buyers guide, we break down everything you need to know - from deposits (5% vs 10% vs 20%) and mortgage pre-approval to affordability, property valuation, auctions, negotiation, and due diligence so you don’t overpay or miss out.
Next Steps: Want to know exactly what you can afford and how to structure your first home purchase? Get in touch with the Lighthouse Mortgages team.

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.