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
217 episodes
Love Is Blind Until The Bank Calls
Money can turn partners into teammates or adversaries, and the difference often comes down to structure, timing, and honesty. We unpack how to merge finances in a way that respects independence while building a shared future, from the moment yo...
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9:41
When To Join Bank Accounts And When To Split Them
Should couples merge money, keep it separate, or do a smart mix of both? We tackle the question with real stories, clear frameworks, and the kind of practical detail that helps you design a system that fits your life stage, money style, and lon...
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13:07
Why Fixed Mortgage Terms Might Matter More Than You Think Right Now
Feeling whiplash from the rate chatter? We dig into what a three percent inflation print really means for the next OCR move, why banks surprised borrowers by lifting fixed rates in December, and how small policy shifts ripple into mortgages, re...
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8:49
Why Paying Off Defaults Fast Matters For Your Credit
A default doesn’t just show a missed bill; it tells a story about how you handle money when life gets messy—and when it gets better. We dig into what a default really signals to lenders, why sticking to a bare-minimum payment plan can hurt your...
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7:00
From Fixed Costs To Freedom: A Beginner’s Guide To Budgeting
Feeling stuck every time you try to budget? We strip out the stress and walk through a simple framework that actually works in the real world: start with fixed income and fixed costs, get honest about your recent spending, and then make clear d...
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8:02
Retirement Plans Begin With A Will
The quiet crisis of retirement isn’t market swings or interest rates—it’s families forced to guess at wishes while juggling grief, bills, and decisions that can’t wait. We bring this into the light with a candid, humane look at what truly prote...
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9:15
Why Banks Set Priority Amounts On Home Loans
Ever looked at your mortgage papers and spotted a number bigger than your actual loan? We dive straight into the mystery of the “priority amount” — what it is, why banks set it higher than your borrowing today, and how that bigger figure can sa...
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6:29
How A Monthly Net Worth Check Builds Financial Confidence
Ready for a clean, confident money reset for 2026? We break down the simplest metric that keeps you honest and motivated: net worth. No jargon, no fluff—just a practical way to see whether your choices push you forward or hold you back. You wil...
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9:31
Budgeting Without Tears: Yes, You Can Still Have Takeaways
Money feels lighter when the plan is simple and honest. We sat down with James to strip budgeting back to what actually matters: start with what is fixed, observe what is real, and decide what to do next with clear eyes. Instead of chasing perf...
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8:02
Net Worth, Made Simple In 2026
New year energy fades fast, but a simple money habit can outlast every resolution. We’re laying out a clear, no-fuss way to track net worth so you can see progress in black and white and make better choices week by week.We start with th...
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8:58
When To Merge Money And When To Split
Money can make a partnership stronger or strain it to breaking point. We take you inside the real trade-offs of joining finances, from the first serious conversation to the seasons when kids, mortgages, and changing incomes reshape what “fair” ...
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13:07
From Job Loss To Financial Reset: Restructuring Your Home Loan
When life veers off script, your mortgage strategy should adapt just as quickly. We dive into the messy, human side of home finance—job loss, new babies, inheritances, and separations—and show how a smart restructure can turn panic into a plan....
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8:55
Smart Moves To Keep Insurance Affordable
Cost-of-living pressure makes insurance feel like the first thing to cut, but that choice can leave you exposed when life turns. We dive into the real-world tactics that keep cover affordable and effective—without sacrificing the protection you...
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5:11
How Early Habits And KiwiSaver Build A Future You Control
Ever met a teenager who saves 90 percent of every dollar? We did, and his reason is razor-sharp: build freedom early and avoid being trapped in a job he hates. That story sparks a candid look at how money habits form, why compounding favours th...
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9:10
A Cardiac Arrest Changed How We Think About Insurance
A heart can stop on an ordinary afternoon, and the costs start before the shock wears off. We share a candid story of a father-in-law who lost his pulse for twenty minutes, the five-day wait for signs of recovery, and the cascade of questions t...
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8:02
Equity To Rentals: A Clear Path For First‑Timers
Ready to turn your first home into the springboard for your first rental? We break down a straightforward path from owner‑occupier to investor using simple, real‑world numbers and clear lending rules. No jargon, no hype—just the maths that show...
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8:12
Stop Scaring The Bank: Save, Settle, Sort Your Stuff
Want lenders to take you seriously as a first-home buyer? We break down the three levers that turn a shaky maybe into a confident yes: stable income, a targeted deposit plan, and clean account conduct. James joins me to unpack exactly what bank...
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8:08
Unlocking Home Equity In Your 70s
Ever felt the sting of being asset rich and cash poor while your best years for adventure are right now? We share the candid truth about turning home equity into a tool for a fuller life, and we don’t gloss over the trade-offs. From the emotion...
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6:38
From KiwiSaver To Car Loans: Hard Lessons And Smart Moves
Ready for a take you won’t hear on every finance show? Banks actually want to lend—but they need a clear story and consistent habits to say yes. James walks us through a year of hard-won lessons helping clients move from “not yet” to “approved,...
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15:26
Why Social Media And AI Can’t Replace A Licensed Insurance Adviser
Ever been told by a stranger on the internet that you don’t need life cover because KiwiSaver will sort it? We’ve seen that advice, and we’ve seen what gets left out: mortgages, kids, cashflow shocks, and the messy reality of how families and b...
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7:21
Why We Insure Phones But Not Ourselves: Understanding Visibility Bias In Insurance
Fires and crashes dominate headlines, so we rush to insure our homes and cars. Serious illness and income loss rarely make the news, so we push those decisions to “later.” We unpack visibility bias—the mental shortcut that tricks smart people i...
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6:58
Saving A Family Home Purchase
A small policy error almost cost a family their smooth home transfer—until we pushed back with the right rules and the right evidence. We walk you through the exact scenario: a child buying a parent’s house using gifted equity, a banker insisti...
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5:11
What I Learned Guiding Clients To Their First Home
You can feel the shift the moment the conversation turns from rates to real lives. We dive into a year of hard-won lessons moving from a structured banking career into the messier, more human world of advice—where first-home buyers carry decade...
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15:14