S3. EP6: Should You Buy a House in 2026? A Mortgage Insider's Honest Take on NZ Property - Wayne Henry

Bloody good, mate.

So tell me, when you were doing personal loans and mortgages back in the day, you must have some bloody stories from that, mate.

I worked in a bank for a while when I was a kid, and I got some stories, so you must have some absolute beauties.

I've got a great personal life.

So when I left the call centre and become a...

Banking consultant one for 205 Queen Street.

My first personal loan I did, I did this debt consolidation.

It was about 35 grand.

It was for a lady, probably mid-30s.

I thought I did a good job and I nailed it.

My big boss, Dave Fleming, called me up to his office.

He goes, oh, hey, I see you did your first loan because we had our own discretions.

So we're in control.

And he goes, oh, hey, I'll just ask you a question.

Did you actually look at the bank statements? I was like.

That seems quite important, actually.

No, he goes, oh, no, just because I was just going through these bank summits.

He goes, I have a look at those.

He didn't come back to me.

What we had just consolidated was $35,000 worth of clairvoyant phone calls over three months.

$35,000 of phone calls back in the, and this is going right back.

So you'd lent an absolute not bar.

No, no, no, no.

So the actual, the basic fundamentals, the assessment and all the risk factors I'd nailed.

Yeah.

Bloody good, mate.

So tell me, when you were doing personal loans and mortgages back in the day, you must have some bloody stories from that, mate.

I worked in a bank for a while when I was a kid, and I got some stories, so you must have some absolute beauties.

I've got a great personal life.

So when I left the call centre and become a...

Banking consultant one for 205 Queen Street.

My first personal loan I did, I did this debt consolidation.

It was about 35 grand.

It was for a lady, probably mid-30s.

I thought I did a good job and I nailed it.

My big boss, Dave Fleming, called me up to his office.

He goes, oh, hey, I see you did your first loan because we had our own discretions.

So we're in control.

And he goes, oh, hey, I'll just ask you a question.

Did you actually look at the bank statements? I was like.

That seems quite important, actually.

No, he goes, oh, no, just because I was just going through these bank summits.

He goes, I have a look at those.

He didn't come back to me.

What we had just consolidated was $35,000 worth of clairvoyant phone calls over three months.

$35,000 of phone calls back in the, and this is going right back.

So you'd lent an absolute not bar.

No, no, no, no.

So the actual, the basic fundamentals, the assessment and all the risk factors I'd nailed.

Yeah.