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
90 episodes
First Home Buyers Alert: Kāinga Ora Premium Doubles from July 1st
Breaking news for Kiwi first home buyers! The Kāinga Ora low equity premium is more than doubling, jumping from 0.5% to 1.2% of your loan amount effective July 1st. This change significantly impacts anyone using the First Home Loan scheme with ...
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5:17
New Construction vs Existing Properties: The Rental Investment Breakdown
Building to rent versus buying existing stock - which strategy makes more sense for property investors? We dive deep into the compelling reasons why new builds are increasingly becoming the preferred choice for savvy rental property investors a...
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6:50
Inside the World of Homely: Transforming Rental Property Management
Navigating the shifting landscape of investment property management requires more expertise than many realize. Rachael Stipkovits from Homely Property Management pulls back the curtain on an industry that impacts thousands of New Zealanders yet...
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27:17
( Repost ) Real Estate Revolution: How Karl Matakatea Built Sold on Kapiti
What happens when you throw conventional real estate wisdom out the window? Karl Matakatea's journey building Sold on Kapiti Real Estate reveals exactly that. From jumping into the ocean for property videos to eschewing traditional advertising ...
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34:39
Defying the Odds: Single Dad's Journey to Homeownership
Finding your way through the complex world of home loans can feel overwhelming, especially when you're facing challenges that seem to stack the odds against you. That's precisely what happened to Jordan Richardson, a single father of two who ha...
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12:44
Breaking Down Mortgage Refixes
Navigating your mortgage refix might seem straightforward, but as we reveal in this enlightening discussion, it's actually one of the most critical financial crossroads homeowners face. Your refix period isn't merely about securing another inte...
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8:32
The Real Price of Change: Selling, Buying, and Starting Fresh
What does it really cost to sell your home and buy another? Mortgage broker James Buchanan returns to the podcast to share the eye-opening reality of his recent property journey. After living on a lifestyle block for 20 years, James and his fam...
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11:19
Life Insurance: The Conversation No One Wants (But Everyone Needs)
Death isn't a comfortable topic, but financial protection for your loved ones is too important to ignore. We dive deep into why proper life insurance coverage matters and the potentially devastating consequences when families are left without i...
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11:41
When Algorithms Meet Empathy: The Future of Home Loans
Could artificial intelligence replace your mortgage advisor? That's the question we tackle head-on with Kunj in this thought-provoking follow-up to our previous discussion on AI's growing influence across industries.While AI technology ...
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6:14
Rebuilding Your Financial Reputation: How Past Mistakes Affect Home Buying
Your credit score is the silent gatekeeper to homeownership dreams. In this eye-opening conversation, we share the real story of a couple with stellar jobs and good incomes who nearly lost their chance at buying their dream home—all because of ...
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9:04
Women Rising: Breaking Financial Barriers
Ever wondered why financial decisions feel so emotionally charged, especially within relationships? Sarah Curley brings a refreshing perspective to this podcast as she shares her journey from property management to financial advice, illuminatin...
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49:31
Flying Solo: Property Ownership Without a Partner
Breaking free from one of property's biggest myths, this episode confronts the widespread belief that you need a partner to buy a home. As a mortgage advisor who's helped countless solo buyers secure their own slice of the world, I'm passionate...
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5:39
When Uncle Bob's BBQ Mortgage Tips Could Cost You Thousands
Ever wondered if that "free" mortgage advice is actually giving you the best deal possible? It's time for some straight talk about why seemingly helpful guidance from banks, family members, and yes—even Uncle Bob at the barbecue—might be silent...
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4:52
Debt Decoded: What Lenders Actually Care About
The myth that you need to be completely debt-free to buy a home stops countless potential homeowners from even trying. The truth? Not all debt is created equal, and understanding the difference could be your key to mortgage approval.Len...
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5:27
Unlocking Your KiwiSaver: The Hidden Trade-offs for First Home Buyers
Facing the KiwiSaver dilemma? You're not alone. The question of whether to use your retirement savings for a first home deposit or preserve them for your golden years is perhaps the most consequential financial crossroads many Kiwis will face.<...
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4:59
Protect Your Pre-Approval: The Secrets Banks Don't Tell You
Getting pre-approved for a home loan feels like a victory – until suddenly the bank ghosts you or that precious approval vanishes right when you find your dream property. As a mortgage advisor who's seen countless pre-approvals fall apart at th...
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5:38
New Build Nightmares: What Property Developers Don't Tell You
"Should you buy a house that doesn't exist yet?" That's the question at the heart of our deep dive into the glittery but sometimes treacherous world of off-plan property purchases.Forget what you've seen in the glossy brochures—buying o...
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6:20
Should You Break Your Fixed Mortgage Early? A Cost-Benefit Analysis
Struggling with a high fixed mortgage rate while watching interest rates drop? You're not alone. This episode tackles the complex question many Kiwi homeowners face: should you break your fixed mortgage early?Breaking a mortgage isn't j...
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4:58
Unlocking Home Equity: Is a Top-Up Loan Right for You?
Wondering whether that home renovation, debt consolidation, or family holiday should be funded through your mortgage? This eye-opening episode cuts through the confusion surrounding top-up loans - one of 2025's hottest financial topics....
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5:44
Young Couple Proves Homeownership Is Possible Despite Initial Doubts
Stepping onto the property ladder feels impossible for many young New Zealanders, but Ryan Bilby's journey proves otherwise. A bakery manager at Ben's Buns in Paraparaumu Beach, Ryan recently purchased his first home with partner Crystal despit...
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20:40
Breaking the 20% Deposit Myth
Tired of the endless saving cycle while watching home prices continue to climb? You're not alone. Many Kiwis believe they need a 20% deposit to enter the property market—a seemingly impossible hurdle that keeps pushing the dream of home ownersh...
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5:02
Rentvesting: The Unconventional Path to Property Ownership
Feeling priced out of your dream neighbourhood? You're not alone. Across New Zealand, aspiring homeowners face the harsh reality of skyrocketing property prices in our most desirable cities. But what if there's another path to property ownershi...
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4:38
Navigating Co-Ownership: The Ins and Outs of Buying Property with Others
The property ladder feels impossibly steep for many Kiwis, but what if you didn't have to climb it alone? We explore the increasingly popular strategy of buying property with friends or family – a potential shortcut to homeownership that comes ...
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4:08
No Means "Not This Way": A Mortgage Advisor's Guide to Rejection
Receiving that dreaded home loan rejection can feel like the end of your homeownership dream, but take heart—it's actually just a detour on your journey. This episode dives deep into the realities of loan application declines and offers a roadm...
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3:53
Don't Panic: Your Complete Guide to Mortgage Decisions in 2025
Navigating your mortgage refix in 2025 doesn't have to be overwhelming. This expanded episode dives deeper into strategic approaches that could save you thousands, following up on our popular checklist episode that prompted numerous listener qu...
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6:21