Jeff Royle, a volunteer with the New Zealand Coast Guard and the owner of the mortgage company, ilender, offers insightful descriptions of his experiences in both domains. Detailing his commitment to the Coast Guard, Royle discusses responding to emergencies, ensuring boat safety, confronting challenging situations and the intricacies of negotiations and leadership within their team. Transitioning to his expertise in mortgages, Royle provides an overview of non-bank lenders, the risks of mortgage default and the current stress in the mortgage market. He wraps up with the importance of communication with lenders during financial distress, advice on managing rejection and anticipates a good summer after an unusual weather year in Auckland. Guest Details: https://ilender.co.nz/ Chapters: 00:00 Introduction 00:31 Becoming a Coast Guard Volunteer 01:42 Life as a Coast Guard Volunteer 03:42 Training and Challenges in the Coast Guard 05:39 Respect and Leadership in the Coast Guard 07:53 Rescue Operations and Challenges 11:33 Survival Tips and Stories from the Sea 15:38 Unusual Rescue Stories 18:36 Dangers of the Sea and Final Thoughts 28:17 Survival Tips for Being Stranded at Sea 28:57 The Importance of Carrying Water on a Boat 30:03 Survival Stories and Human Adaptability 31:07 The Irony of Being Surrounded by Water but Unable to Drink 32:12 The Art of Negotiation in Lending 35:11 Understanding Non-Bank Lenders 43:35 The Importance of Facing Financial Challenges Head-On 44:14 The Consequences of Mortgage Default 56:27 Dealing with Rejection and Negative Feedback 59:08 Final Thoughts and Wishes for a Good Summer