The Jack Windler Audio Show: Recent Episodes
Jack Windler
Jack Windler is a NZ based Mortgage Adviser. This podcast is aimed to bring everyday Kiwis Property and Mortgage knowledge. Watch out for special guests and hear their journey too!
Learn all about Cashback Incentives in the Home Loan game. - What they are
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Criteria
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Examples of lender offers
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Scenario when also considering interest rates
Sensitivity and Test Rates.
In this episode get to learn what they are, how they work, examples of how they impact borrowing and other contributing factors that is considered.
Happy Borrowing!!
28th September Interest Deductibility and Brightline Rules came out
This episode we are lucky to have Anthony Mcilroy from Evolve Accounting to run through this announcement and summarise it for you.
Get to learn all about Credit Reports.
Definition, What is on the report, What happens it goes wrong, Tips on improving and Maintaining and how they impact loan applications!
Go to my social media pages for more resources/links
The famous Bank of Mum and Dad
With June 2020 and June 2021 seeing the average price go up by 28.7%, finding alternate ways to get into the market have become even more important.
I go through 4 main options of getting support , with a bonus 5th.
Big thanks to Oli for being so open and honest with your story. His journey is a great example of someone who could of easily given it all away many times because it was too hard! Perseverance, dedication and then success.
Professional footballer Oli Sail jumps on the podcast to share his story. We go through all sorts!
- A later bloomer into football (Oli and I had plenty of tussles on the cricket pitch long before we were mates!)
- UK trials, Club world champs, NZ reps and starting with the Wellington Phoenix
- Getting his shot then waiting over 600 days for the next
- Dealing with Managers
- Being an athlete during covid (and getting in a bit of trouble)
- 2021 and being no.1
Big news! ASB come out with 1.79% interest rate for construction lending. Learn all about this, plus the changes to ASB/ANZ lending policy changes!
This episode is close to home with the story of how I bought my first home! Not easy speaking about myself and plenty of nerves with it!
No old ladies were ripped off in this story!
Key Points!
Invest in yourself! In the digital age we are in it no longer costs $$$$ to learn. So much is online. Then be prepared to apply it
Relationships are everything! Big thank you to, Mandy MSC Southland, Lisa and Jono Insurance Supply Co, Sally McCormack of Profity and AssetLab, Tania Greer of Ray White, friends and family
Seek to understand! Be comfortable with hearing "NO". Then find out why and work through it.
Be resourceful. What can you do to improve or help the situation? Get creative.
Know your market. Be an expert in your area.
Spend $1 make $3 on renovations. One of my favourite AssetLab lessons from day one!
Special Guest David Windler joins the show to discuss this weeks Government Housing Policy Announcement.
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Bright-line test extended from five to ten years
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Removal of the ability for investors to write of interest expenses
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Changes to the First Home Grant/Loan
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$3.8 Billion Housing Acceleration Fund
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TBC on Debt to Income Ratio and Interest Only changes
Luke and Brooke are millennials making things happen!
2019 first home purchased and 2020 they nailed their first investment property. (Seriously, they nailed it!)
Check out the thought behind it and the numbers which they have executed!
Great to have clients want to share their story and hope to more of this going forward.
Final Episode in the Non-Bank Series
Resimac and Pepper Money.
Get to know one the staples of NZ Non-Bank Lending and the new kid on the NZ block (with a whole lot of global experience)
Luke Jackson and Michelle Sargaent are good people, leading big companies.
Plenty of good insight and a great way to wrap up the series!
Episode 2 of the Non-Bank Series!
This time I have Bruce Smith (FMT) and Luke Roberts (Bluestone).
Get to know their companies and insight into what makes each company tick.
Both play in different Non-Bank markets and offer some very interesting points of view!
(5 years ago Luke and I worked together, he was teaching me the ropes!)
Non-Bank Series - Avanti Finance
Get to know one of the big players in the NZ Non-Bank space. Avanti Finance are diverse and offer a well-rounded product to suite to consumers.
Had a great time chatting to Stephen and Graham!
Enjoy!
No matter where you are on your property journey, Sally has tips to make sure the next thing you do, isn't the last!
These practical tips are staples for good investors staying in the game!
Jargon Busting one of the hottest topics of 2020 in the lending world.
What is a Mortgage Deferral?
The impacts of taking this on.
How the Reserve Bank programme works with the Banks.
What extending the period means and what it could mean to the future state of property.
Lots of positive Lender Updates and I go through a recent story of helping someone retain full net sale proceeds (and why its important!)
Big updates in this episode!!
Credit Policies improving
Get a feel for turnaround times
Minimum deposits right now and what are some ideas to get around that?
In this episode i discuss all things to do with Account Conduct!
What it is and why it is important!
Plus lots of tips to making sure your conduct looks great come application time.
In this episode I interview Sarah Kelsey founder of The OneUp Project!
We discuss her story and she shares some top tips on financial literacy, kiwisaver and goal setting
This week I took a different approach and took your questions!
Was great to mix it up. No preparation, just off the cuff info and opinion from me!
Weekly Update with Jack
This episode I discuss things that happened in my working week and general thoughts off the back of that.
08-12th June.
Kiwibank drop floating rate. I go through that news and when a floating rate can be useful.
Team MSC is growing!
Two Main Banks front up for a quick turnaround time, they get a good shout out.
High LVR thoughts
Property Education and getting access to this
Build lending right now
Big Week to Review
TWO main bank moves to 80% LVR on investments, we will be breaking down these policy changes with a bit more depth so you can see the balance of it all.
Rates continue to drop!!
Turnaround times and how to avoid being punished by them!!
Aaron Bancroft goes through his best advice for people looking to buy property!
So much useable GOLD!!
Special Guest Interview!
So thankful to have Aaron join me to discuss his story and then share his top tips on buying property!!
With over 90 pro-rugby matches and 63 Property Trades there was plenty to chat through.
Not only is he doing some awesome work as a Property Trader and Director of Market Magnet , he is building a community to support athletes.
Weekly Update from Jack.
This episode I go through...
Rates continue to fall
Return of the Non-Banks
Rumours about LVR lender shifts
Paperwork and compliance
General Market Update
In this episode I discuss all things deposits.
What they are
Ideas on where to start
How they can be formed
Plenty of real life experience and tips you can use!
Review the week gone by with Jack
Rate Wars
Comparing Rates in reality to how lenders see them at assessment time
Bank of China Zoom Call
LVR discussion
Real Estate Agent confirms people are active
Weekly Review 11-17th May
Get an insight into what is happening with property, rates and bank policy!
Before we begin to look at the what, how and when in property and home lending, I think it is very important to figure out your WHY?
Lay the foundations.
First interview and was lucky to have a long time friend Ruby Coombes dial in.
She is a great person and is doing awesome things with Kicking The Kaos!
Follow her journey @ruby.coombes on the gram
Thanks for sharing Ruby :)
Insight into what a Mortgage Adviser, how it works and why they we are important!
Plenty of bias thoughts as this is my passion!
Hope you enjoy!