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
175 episodes
How To Navigate Mortgage Stress And Debt With A Clear Plan
Money pressure builds quietly—then feels impossible. We open up about what we’re seeing across New Zealand households right now: families juggling higher refix rates, patchy incomes after layoffs, and the creeping stress of arrears on essential...
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9:10
Why Switching Banks Now Could Put Thousands In Your Pocket
Want thousands back when you switch or buy? We break down the rare 1.5% cashback offers rolling out across major New Zealand banks and show how to capture the benefit even if your settlement won’t land until the new year. The key is understandi...
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6:30
Credit Defaults, Wrongly Lodged
The scariest words in a mortgage journey aren’t “interest rates rising.” They’re “default recorded.” We walk through a real case where a couple kept up with their repayments, only to discover a large default wrongly sitting on their credit repo...
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9:58
OCR Preview: Will Rates Finally Ease?
A quarter of a point can feel tiny until it touches your mortgage, your savings plan, and your next move on the ladder. We break down the looming OCR tweak, the real reasons banks push cashbacks instead of cutting fixed rates, and how wholesale...
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7:38
How NZ Pension And Australia’s Super Stack Up For Your Future
Think NZ Super guarantees an easy retirement? The safety net is real, but comfort requires more than a minimum KiwiSaver contribution. We sit down with Elizabeth to map the practical differences between New Zealand’s universal pension and Austr...
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17:05
From Loss To Long-Term Security: A Guide For Young Widows Managing Life Insurance
A life insurance payout can feel like a lifeline and a landmine at the same time. We open up a candid case study of young widows navigating sudden financial responsibility, the weight of grief, and the fear of doing the “wrong” thing with what ...
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12:46
Banks Read Your Power Bill, So Maybe Don’t Bounce It
Missed payments aren’t always about low income; they’re often about bad timing. We dive into the practical steps that keep your credit score clean and your home loan humming, even when payroll runs late or a provider insists on debiting the 20t...
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9:12
What A 2027 Capital Gains Tax Could Mean For Buyers, Renters, And Investors
Headlines say capital gains on investment property could arrive from 1 July 2027. We dig into what that timing might do to behaviour: investors bringing sales forward, first-home buyers seeing more stock, and renters caught between short-term s...
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9:08
OCR Call: Why A 0.25 Cut Matters Now
Rates are moving, budgets are stretched, and the clock is ticking toward the 26 November OCR call. We dig into why a 0.25 cut is back on the table, how unemployment at 5.2 percent shifts the Reserve Bank’s calculus, and why falling mortgage rat...
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7:10
How To Buy Your Parents’ House With Gifted Equity
Want a faster, cleaner path onto the property ladder without scraping together a 20% cash deposit? We dive into the growing strategy of buying your parents’ home at market value while using gifted equity to supercharge your approval odds, cut l...
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7:24
From Separation To Settlement: A First-Home Journey That Changed A Family’s Future
What does it take to turn a tough season into a turning point? Jordan, a heavy diesel mechanic and single dad of twins, opens up about buying his first home after a separation—and how a clear plan, fast moves, and a little luck changed his fami...
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25:09
Why KiwiSaver Balances Make It Easier To Buy Your First Home Now
Want the truth about timing your first home without the hype? We dig into why the current market is surprisingly kind to first-time buyers: fewer bidding wars, more time to think, and interest rates that sit closer to long-run norms than the pa...
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5:51
How A Blended Kiwi Family Bought A First Home In Their 60s
What happens when your rent looks a lot like a mortgage, but lenders keep saying no? We sit down with Mark to unpack how he and Shelly went from casual work, rising rents, and thin savings to owning a low maintenance beachside unit in their 60s...
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31:45
Healthy Habits On A Budget
A black belt in progress, a shared birthday, and a mission to help families thrive—this conversation with Lucy Edwards of Lucy Nutrition blends heart, humour, and hard-won tactics for eating well when prices feel impossible. We start with the h...
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44:24
Council Rates Can’t Be Fixed, But Your Mortgage Can
A 50 basis point cut just landed, floating rates slid, and yet those four and five-year fixes barely blinked. We unpack the why behind that mismatch, translating market dynamics into clear choices for homeowners who need more than headlines to ...
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8:29
My Shares Doubled And All I Got Was A New Kitchen
Markets don’t wait for permission slips. We open with a candid look at why agriculture and some NZX names are surprising on the upside, and how those signals can help everyday buyers read what’s next for property. One quick portfolio check turn...
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8:53
How NZ Retirement Villages Signal The Next Housing Cycle
Markets have a way of whispering before the economy speaks. We zoom into New Zealand’s most telling tickers—retirement village operators and a key challenger bank—to read what might be next for housing, credit, and confidence. If you live and b...
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8:16
How The Right Insurance Turned A Crisis Into A Lifeline For A Young Family;
A single night out changed everything for a self-employed dad-to-be—until a well-structured plan kicked in. We sit down with adviser Blake Sutton to unpack how income protection, trauma cover, and private health insurance work in the real world...
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32:38
Clear Medical Disclosure Today Prevents Heartache Tomorrow
One small omission on an insurance form can snowball into a denied claim when you need help most. We dive into the real meaning of disclosure for health-related risk cover, why non-disclosure shows up at claim time, and how to build a simple, f...
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13:12
Should You Buy A Home Privately? Clear Pros, Hidden Risks, And Smarter Steps
Hate open homes and bidding wars? We take a clear-eyed look at private home purchases and map out when they shine and when they sting. From tenant-to-owner deals to family sales and investor shortcuts, we unpack the real-world pros, the bank ru...
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6:58
Flood Risk, Insurance Pullbacks, And First-Home Lending On New Zealand’s West Coast
Buying a home on New Zealand’s West Coast sounds simple until you try to secure insurance, line up a valuation, and satisfy your finance clause—all while lenders and underwriters grow cautious about flood risk. We open the door on what’s really...
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6:59
From First Keys To Forever Home: Choosing Practicality Over Perks
The dream of a glossy first home is powerful—until the repayments start calling the shots. We take an honest look at the fork every first-home buyer faces: chase convenience and lifestyle now, or choose common sense and practicality that sets y...
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10:00
What Banks Really Check When You Build A House
Want a warm, efficient new home without a cold shock at settlement? We pull back the curtain on how lenders actually assess build loans and what it takes to move from signed contract to keys in hand. From contingencies and valuations to approva...
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9:59
From nursing to finance: Elizabeth Moloney Geany on building confident, custom money plans for women and families
Most money rules weren’t written with women’s lives in mind. That gap shows up at retirement, in the middle of a separation, or when confidence takes a hit after caregiving breaks and career pivots. We sit down with Elizabeth Maloney Geany—form...
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29:31