That Home Loan Hub
Welcome to That Home Loan Hub, your ultimate guide to mastering the world of home loans and property. I'm Zebunisso Alimova, here to simplify the complexities of real estate and provide you with expert insights and the latest trends.
Whether you're a first-time homebuyer, an experienced investor, or simply curious about the property market, this podcast is for you. Join me each week as we unlock the secrets to property success and help you make informed decisions. Let's dive into the world of property together!
Episodes
286 episodes
Here’s What To Check Before You Buy On A Slope
That dream hill view can come with a quiet question: what’s actually holding the ground up? We sit down with Evan to unpack the real-world risks and realities of buying and building on a slope in New Zealand, with plenty of Wellington and Duned...
Your Prescribed Investor Rate Can Save You Tax
PIR is one of those tiny settings that can quietly shape your after-tax returns for years, and most people only notice it as three letters on a KiwiSaver statement. We bring Dave in for a plain-English Tax Chat to explain what PIR (prescribed i...
How To Read A Builders Report With Confidence
A builder’s report can feel like a bunch of headlines until you know how to read the labels and what they imply for real risk, real money, and real next steps. We sit down with Evan to translate the common report terms into plain English, so yo...
From A $42k First Home Boost To A Bigger Retirement
Numbers don’t have to be boring, especially when they mess with your assumptions about money. We corner Dave from Booster for a rapid-fire run through KiwiSaver stats that hit right where it counts: first home buying, retirement savings, and th...
How One Moisture Reading Uncovered A $40K Bathroom Fix
One small moisture reading can be the start of a very expensive story. We’re talking about the moment every buyer dreads: you’ve got a builder’s report, something looks “maybe fine”, and you have to decide whether to push forward, negotiate, or...
The Time Genie Method
Admin doesn’t just steal hours, it steals creative energy. Heather Newstap from Time Journey joins us to unpack what “behind-the-scenes” support really looks like for artists, musicians, educators, and tiny teams who have a brilliant product bu...
Why A $7,000 Deposit Can Be Enough
“Deposit” sounds like one simple word, until you realise it can mean two totally different things in a New Zealand home purchase. We keep hearing the same worry from buyers: how can the bank talk about 5% or 10% while the sale and purchase agre...
Offer Smarter In The NZ Property Market
RV says one thing, Homes.co.nz says another, and the latest stats look convincing until you realise there were only two sales in the whole suburb. We get into the messy middle of making an offer on a New Zealand home: what the numbers can’t tel...
Stop Using RV To Price Your Offer
RV says a lot about how rates get calculated, but it can say very little about what you should actually offer on a home. We sit down with Megan Love from Harcourts Real Estate to pull apart one of the biggest pricing myths we see with buyers: t...
From Bagpipes To Boardrooms With James Laughlin
Money stress, burnout, and constant noise are not personality flaws, they’re often just untrained habits and inherited beliefs. We’re joined by Christchurch-based high performance coach and author James Laughlin, whose work spans everyone from ...
Courage As A Leadership Skill - Kaila Colbin
AI can write your emails, hype you up, and tell you you’re right. The problem is that real leadership and real relationships are built in the moments that don’t feel good. I’m joined by Kyla Colbin, founder and CEO of Boma, TEDx Christchurch pi...
A Proper Builder's Report Can Save You From Hidden Leaks And Costly Repairs
You can fall in love with a house in five minutes, then spend five years paying for what you didn’t see. That’s why we brought in Evan Cardwell from Checkhome Building Inspections to talk straight about builders' reports, building inspections, ...
Insurance Planning Keeps Your Kids Secure When Work Stops
One income can feel like a clean, simple setup until the day it suddenly isn’t. Redundancy, a heart scare, an unexpected diagnosis, or an accident can flip a household from “we’re fine” to “how do we keep the lights on and the kids cared for” i...
A New Insurance Tool Uses Your Face To Predict Health Risks
If the idea of an insurance company scanning your face makes you pause, you are not alone. We sit down with Rebecca to unpack a “never before seen in New Zealand” move in the insurance industry: facial scanning software that claims it can detec...
Divorce And Insurance Ownership In New Zealand
Separation has a way of making “set and forget” insurance decisions suddenly urgent. We’ve seen how joint policy ownership, outdated beneficiaries, and a rushed cancellation can leave people exposed at the exact moment they need protection most...
Why Cheap Life Insurance Gets Expensive Later
Your bank tells you to take the cheap option on insurance. The part they don’t spell out is what happens when that “cheap” premium keeps climbing every year until it becomes the bill you can’t justify, so you cancel it right when you’re most li...
ACC Won’t Pay For Your Cancer Scare
ACC feels like the great Kiwi backstop, but one word changes everything: accident. We’re calling out the most common money myth we hear, that ACC will “cover you if something happens”, then we show why that assumption can fall apart the moment ...
How To Choose The Right KiwiSaver Fund For Your Life Stage
Your KiwiSaver balance drops and suddenly everyone becomes an “expert” with hot takes, doom posts, and miracle fixes. We wanted a calmer, more useful chat, so we sat down with Dave Cobson from Booster Financial Services to talk about what KiwiS...
Real Mortgage Case Studies With Quick Wins
A single belief keeps coming up with new clients: “I’ve owned a home before, so I’m done.” If you have separated, used KiwiSaver years ago, or taken a knock to your confidence, this conversation is for you. We unpack the quick wins we’ve had la...
Five Percent Deposits In New Zealand
A 20% deposit has become the “default” story of buying a home in New Zealand, but it is not the only path. We get straight to the question landing in our inbox: do 5% deposit home loans still happen, and can you realistically use low deposit le...
OCR Versus Swap Rates And What Actually Shifts Your Mortgage Rate
Mortgage rate news can feel like a rollercoaster, but the real drivers are often hiding in plain sight. We sit down and talk through the question everyone’s asking: are New Zealand interest rates going up, and what should you actually pay atten...
The Five Details Agents Need Before They Draft Your Offer
You can waste days trying to look “not too keen”, or you can do the one thing that actually moves a deal forward: tell the agent you like the property and you want to make an offer. We talk through what happens next, in plain English, and why t...
What “Unless Sold Prior” Really Means In New Zealand Property Sales
“Auction next Thursday, unless sold prior.” Those four words look harmless, but they can speed up a sale, bring a deadline forward, and catch buyers completely off guard if they’re not ready. We sit down with Megan from Harcourts to translate t...
Your First Two Weeks After Buying A Home
You’ve finally had your offer accepted and the paperwork is signed, but the question hits fast: what do you actually need to do after you’ve bought a house? We talk through the practical “next steps after buying a home in New Zealand” that can ...
Professional Home Staging Versus DIY When Selling In New Zealand
Your place can be beautiful in real life and still fall flat online. We dig into what actually helps a home sell in New Zealand when the first showing is usually a set of photos, and the difference often comes down to how well buyers can read t...