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
306 episodes
From Refugee Childhood To Financial Confidence In Aotearoa
Money doesn’t just sit in a bank account, it lives in our memories, our families, and the choices we make when no one is watching. We sit down with Kunchai Adams to trace her money story from arriving in Aotearoa New Zealand as a five-year-old ...
How A Simple KiwiSaver Review Can Add Thousands
A $28-a-week change doesn’t feel like much until you zoom out and see what it can do to your retirement. We’ve got Dave back to walk through a real-world KiwiSaver case study for a 40-year-old on a $75,000 salary with a $30,000 balance, contrib...
How 3.4 Million Kiwis Built $142 Billion
3.4 million New Zealanders are in KiwiSaver, and the total invested is about $142 billion. Those aren’t trivia stats, they’re a snapshot of how fast KiwiSaver has become a core part of retirement savings in New Zealand, and why it’s worth check...
How A $10 Or $20 Weekly KiwiSaver Plan Grows For Your Child
A thousand dollars at birth sounds nice, but the real question is what happens when you pair an early start with a simple weekly habit. We’re joined again by Dave Cobson from Booster to talk KiwiSaver for kids, the proposed $1,000 newborn kicks...
Money, Mindset, And Growing Up Broke
Your relationship with money usually starts long before your first pay packet, and sometimes it starts with fear. Lucy from Lucy Nutrition joins us for a personal conversation about growing up in Wellington with constant financial stress, how t...
Landlords Should Not Be Able To Self-Certify Healthy Homes
Cold bedrooms, dripping windows, and mould on the walls are treated like “just how houses are” in New Zealand, but the health fallout is huge. We sit down with Jessica Kelty from Thrive Kind, a home performance advisor working across the Kāpiti...
How A Damp Rental Led To A $13,000 Tenancy Tribunal Payout
Mould on the walls is bad enough, but what happens when vermin and droppings are reportedly falling from the ceiling onto kids’ beds and the rent still has to be paid? We sit down with Jessica Kelty from Strive Kind to walk through a confrontin...
Stop Ghosting Your Bank Account with Rachel Davies
Money advice usually starts with budgets and numbers. We start somewhere more honest: the feelings you have when you open your bank app, the stories you learned as a kid, and the weird ways shame can make you spend, avoid, and then repeat the c...
From Growing Up Broke To Building Wealth Through Property Trading
Money doesn’t just change what you can buy, it changes what you believe you’re allowed to try. Emma Hanover grew up with food banks and the constant feeling that there was never enough, left school at 16 with dyslexia and ADHD, and still built ...
Mortgage Broker Or Bank
The day before an auction, a young mum rings in tears: her bank has just refused her finance. She thought she had done everything right, she had been dealing with her lender directly, and she was sure approval was coming. That one “no” could ha...
Debt-Free By Design
Money habits do not appear out of nowhere, they start in the rooms we grew up in and the adults we watched. We sit down with George to trace his money story right back to childhood in Scotland with grandparents who lived by a simple rule: save ...
Kapiti Coast Market Snapshot
The Kapiti Coast market can look calm one month and chaotic the next, so we sit down with George Love from Harcourts to get grounded in the numbers that actually moved. We talk through recent sales statistics across Waikanae, Waikanae Beach, Ra...
When To Order A Builder’s Report For A Home Purchase
If you’re buying a house, timing your builder’s report can be the difference between a confident purchase and a costly surprise. We sit down with Evan to get clear on when to book a pre-purchase building inspection, why “the sooner the better” ...
Healthy Homes Compliance Explained For NZ Homes
You can buy a house that feels “fine” and still discover it can’t legally be rented out without upgrades. That’s the gap we dig into with Evan as we compare a Healthy Homes compliance report with a standard builder’s report, and why the two are...
Reverse Mortgages Made Simple
Your home can be worth a lot on paper, but that doesn’t help when the grocery bill, power, insurance, and council rates keep climbing. We sit down with James Buchanan to unpack why more New Zealand retirees are asking about reverse mortgages, a...
OCR Review Watch And What It Means For Your Mortgage
The OCR gets reviewed next week and the mood across the banks feels twitchy. Jonathan sits down with mortgage adviser James Buchanan to talk through where New Zealand interest rates might be heading, why a flat OCR call is back on the table, an...
Healthy Homes Compliance Made Simple
You can pay for a builders report and still have no clear answer on whether a home meets Healthy Homes compliance. That’s the gap we dig into with Evan, as we unpack what the Healthy Homes Standards actually measure, why the results are so blac...
What Does “Weathertight” Really Cost In New Zealand?
Twelve inspections in three days sounds impossible until you hear what a busy building inspector’s week actually looks like and why so many homes are crying out for basic maintenance. We sit down with Evan to unpack a real maintenance report fo...
What The New KiwiSaver Rates Mean For Your Pay And Future
Your KiwiSaver settings look small until you do the maths. We sit down with Dave to talk through the April 2026 shift to a 3.5% employee contribution rate, why most people stayed there, and how that extra 1% can translate into real money over d...
Choosing The Right KiwiSaver Fund After Buying A Home
Conservative KiwiSaver funds can feel like a warm blanket, right up until you realise what they might be costing you over 20 or 30 years. We dig into a common KiwiSaver mistake: switching to conservative before buying a first home, then leaving...
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...