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
161 episodes
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
Names, Numbers, Dates: First-Home S&P Basics
Buying your first home can feel like learning a new language under pressure, and the sale and purchase agreement is where that pressure peaks. We open the contract and walk you through the parts that matter most—names, price changes, deposits, ...
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13:12
What would you do with $1,200 extra each month?
Rates are finally drifting down—and the numbers are a game changer. We take a real $700k mortgage, drop the rate from 7% to 4.49%, and show how repayments tumble from about $4,657 to $3,543 a month. That’s roughly $1,200 back in your pocket eve...
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9:09
Inside AIA’s New Specialist & Testing Cover: Real Options When Full Health Insurance Is Too Pricey
A cough, a reality check, and a genuinely helpful shift in health cover design. We dig into AIA’s new specialist and testing support add‑on—a smarter way to secure access to private specialists, diagnostics, and imaging without paying for full ...
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14:40
When Your First Home Isn't Your Forever Home: Lorraine's Story
Stepping up the property ladder presents unique challenges compared to buying your first home – a reality Lorraine Peterson knows firsthand. Having sold her first property before securing her next one, Lorraine candidly shares her experience na...
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13:55
To Break or Not to Break: The $8,000 Question
Are you trapped in a high fixed-rate mortgage while watching interest rates tumble? The financial sting of being locked into rates around 7% until 2028 or 2029 has many Kiwi homeowners questioning if they should break their fixed terms and refi...
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6:12
Your Parents Couldn't Buy a Home, But You Absolutely Can
What happens when you grow up hearing "people like us don't own homes"? That limiting belief gets passed down through generations, creating invisible barriers to financial freedom that can feel impossible to overcome.In this raw, emotio...
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10:07
Should You Let Your Friend Build Your Dream Home?
Wondering whether to build your dream home with a friend or go with a major construction company? You're not alone. The unexpected financial implications of this choice can be staggering – sometimes reaching six figures.The construction...
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8:42
New Zealand's Real Estate Reality: Prices Drop Despite Lower Interest Rates
The housing market continues to present challenges across New Zealand despite conditions that should theoretically stimulate growth. Median house prices have dropped 0.5% year-on-year to $761,000, even as interest rates have fallen below 5% for...
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6:05
First Home Dreams: Overcoming the Fear of Not Being Ready
What's holding you back from homeownership? Fear? Uncertainty? The belief that you're simply not ready? In this heartfelt episode, we unpack a common phenomenon we've encountered countless times - people who are financially prepared to buy thei...
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9:58
Predicting the OCR Cut
Ready for a financial shakeup? The Reserve Bank's upcoming October 8th OCR announcement has the mortgage market buzzing with anticipation. What started as whispers of a modest 0.25% cut has evolved into predictions of a substantial 0.5% reducti...
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6:12
The $95 Million Insurance Surge: What You Need to Know
Money well spent or down the drain? That's the question many Kiwis ask about their insurance premiums. The answer becomes crystal clear when you learn that insurance companies are paying out a staggering $95 million MORE each year than the year...
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9:27
Why Your Life Insurance Premium Doesn't Have to Increase as You Age
Wondering why your life insurance premiums keep climbing every year? There's a better way! Rebecca, our insurance specialist, reveals the power of level life insurance - a game-changing option many New Zealanders don't know exists.Imagi...
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9:46
Insurance vs Self-Insurance: What's Your Plan?
Could you save a million dollars for medical expenses if disaster struck tomorrow? This revealing conversation challenges the popular notion that "self-insurance" through savings is a viable alternative to traditional insurance policies.
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7:51
The Underinsurance Crisis: Why 70% of Kiwis Are Taking Risks
What would happen to your family if you couldn't work tomorrow? That's the confronting question at the heart of our discussion about New Zealand's underinsurance crisis.The statistics are startling - 70% of Kiwis are underinsured, with ...
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11:59