Latest / The Curve / The Property Breakup From Hell.

Transcript

The Property Breakup From Hell. · The Curve

0:00
Where do I even start?
0:01
Okay, so this conversation, it needs no introduction in the sense that it is
0:06
full of so much juicy relationship, money, drama.
0:11
And I just, I'm not sure how much to say here.
0:15
All I want you to know is this conversation is fascinating, shocking.
0:20
I swore a lot.
0:22
So I
0:22
apologize in advance if you are listening with children in the car.
0:26
We actually decided to not
0:27
beep a lot of it out because it's kind of part of the story if I'm being honest.
0:31
I'm not proud of
0:32
how much I'm swearing at the moment, going to try and rein that in, but I will say I think this
0:37
conversation needed a few F-bombs and a few S-bombs.
0:42
Anyway, you know what I mean.
0:43
Potentially one of
0:44
the most wild stories we've had on the podcast.
0:46
I think we're going to have to get Holly back on
0:47
to hear about the second property disaster that happened, as well as honestly hearing more about
0:53
how we can look to protect ourselves from these types of things happening.
0:57
I will also say if you
0:58
listen to this and you think I know someone else who has the most outrageous story that's kind of
1:02
along these lines, I don't know what it is about relationships and money and things just going
1:10
absolutely tits up but fascinating.
1:12
So if you'd like to put yourself forward or someone else you
1:14
know, please get in touch because I think not only is it fascinating and stunning entertainment but
1:21
it's actually really good in terms of learning as well.
1:23
So thank you so much to Holly for being
1:25
just such a good sport and sharing this so openly.
1:29
Enjoy the episode.
1:31
Welcome to another episode of
1:33
the Property Podcast.
1:35
I am loving this series.
1:37
It's so fun to be able to talk about a different
1:39
asset class.
1:40
I mean, it's been years that we've spoken about the stock market.
1:43
So to be able to
1:44
really dive into property, I'm loving.
1:46
We just wanted to share a message from our partners,
1:48
B and Z who know that home ownership is not a straight line.
1:52
Sometimes life just does throw
1:53
you curveballs and there's actually nothing you can do about it.
1:56
You just have to remember that
1:58
they're all about supporting you through the hard stuff, not just the highlights.
2:01
So if you are in a
2:02
position where you're having a total meltdown or something's not going to plan, just remember that
2:06
the sooner that you talk to the bank, the more options that you will have.
2:09
And it is never too
2:11
late, no matter how dire things feel, to reach out.
2:13
They are always there to help and not judge.
2:15
So whether you're at the start of your journey or you're rebuilding, whatever has gone wrong,
2:20
remember that BNZ has got the tools and the people and they're ready to help you find
2:24
a way.
2:24
Thank you so much to BNZ for empowering this podcast and let's get into it.
2:32
Holly, I'm so excited to have you on the podcast.
2:34
I wish you could be in London, like in the studio with me.
2:37
Same.
2:38
Thank you so much for having me.
2:39
I wish we could have done this together.
2:40
Okay.
2:41
I'm like, there's so many things I want to talk to you about and there's so many things
2:45
that I am quite excited to go into quite a bit of detail on.
2:48
But I thought what might be kind of fun and random
2:51
and also like slightly childish.
2:53
For anyone that doesn't know you,
2:55
can we just pretend you're doing like, I don't know,
2:57
a stand-up introduction in front of 20 people you don't know.
3:01
What sort of things would you say about yourself?
3:02
Like honestly, it can be really boring.
3:05
Like how old you are, where you live.
3:07
Yeah, just a little mini introduction.
3:09
I am 30 years old, about to turn 31.
3:13
living in Auckland in a city for the first time in my life with my best friend who is also called
3:17
Holly fun fact I've been in central Otago for 10 years um prior to now so very small town vibe
3:25
compared to Auckland city life was in Dunedin before that studying grew up in a very small
3:31
farming town did you ever grow up thinking I really want to be a business owner never I didn't
3:36
even think that was a possible I didn't grow up thinking I was going to be a lawyer like I grew
3:39
up in a small farming town I was working in shearing sheds and dagging gangs I mean what
3:44
even is that it's gross it's like where they clean the sheep's bums and they're called dags
3:50
yeah so I'm like the farming girl like corporate life lawyer life was just not in my vicinity um
3:57
or even in my mind growing up like I didn't think that was a possibility like it wasn't even until
4:02
seventh form in high school kind of near the end that I was like like what am I gonna do
4:07
You went to university and studied law.
4:09
Correct.
4:10
I actually was really struggling.
4:12
Like I was not the smart kid at school by any means.
4:15
Like I was not the student who was studying.
4:18
I wasn't, you know, worried about grades.
4:20
Like I obviously did okay, but I was definitely not school focused or education focused in the slightest.
4:25
Like I was, you know, what parties can we go to this weekend?
4:29
So good.
4:30
In seventh form we had I think one of those like careers people who like you can do a personality
4:35
test and it's like a careers advisor and they give you a whole bunch of options on like what
4:39
you could go do and went and did that and one of the options was law and I thought oh you know why
4:44
not so went in very very naively to just university life from not being a student who studied or was
4:52
trying for merit or excellence or anything like that to then going to try get into law at Otago
4:57
go university yeah to get into first year I was very naive I was still not the studier the smart
5:04
kid like I didn't know we had textbooks we were meant to read textbooks all year and I found out
5:08
like a week before our exams that we had all these textbooks and readings that we'd meant to be doing
5:13
like so funny I'll try and try my best and if I get in it's meant to be and if I don't it's not
5:20
meant to be and I'll deal with that then and you got it and I'm like quite impressed not reading
5:24
one textbook yeah yeah okay so you've had the most outrageous experience with with I shouldn't
5:31
laugh because there's actually nothing funny about this story at all we can laugh now I mean I don't
5:36
even know how long would have taken you to get to the point of being able to laugh but I think for
5:41
me it would be a solid five years how old were you when you bought your first house what was the
5:46
situation at the time what made you decide to buy can you just set the scene for everyone yeah I
5:52
I mean, I'm really bad at quick math.
5:53
So can somebody work this out for me if I'm about to turn 31?
5:56
And it was in 2017.
6:00
Is it like 21, 22?
6:01
You were a baby.
6:02
Yeah, like a baby.
6:03
And I was a baby.
6:05
Like it was a really cool opportunity that was given to me and my partner at the time.
6:10
So we had been in a relationship, I think, to be fair, by like six or six-ish years at that point.
6:17
So we were together all through high school, together all through uni.
6:19
Oh, my God.
6:20
So how old were you when you met him?
6:22
Like 17.
6:23
Wow.
6:24
Okay.
6:24
Right.
6:25
So you'd been together from school.
6:27
This was now university.
6:29
You were maybe
6:29
21, 22.
6:30
You'd been together for six years.
6:32
Were you still at uni?
6:33
Yep.
6:34
So I'd gone through all of university.
6:36
We're still together.
6:38
I, when I left home at high school,
6:39
I never went back home.
6:40
So we like moved in together.
6:42
He was based in Queenstown.
6:43
We moved
6:43
in together then.
6:44
So I never went back to my parents' home, I guess is what I'm trying to
6:47
say there so you were a quite young but also married couple in a way it was almost like you're
6:54
quite a mature relationship for the age you're at but we did stop and have that conversation I like
6:58
I remember specifically saying this before I was applying for jobs and things like are we together
7:02
out of habit or are we together like because we're choosing to be together like not out of oh like we
7:07
just started dating and then kind of ended up together because I feel like a lot of people do
7:11
that as well like you end up in a relationship and you just stay there and then all of a sudden you
7:14
do these chapters kind of just going through the motions without ever really stopping and going
7:18
did I actually want this like did we actually choose to do this so I remember having those
7:23
conversations before I went in applied for jobs and things like that because I was like I don't
7:27
want to just come here if it's not actually what we both want so we had those conversations it was
7:32
like no we're both on the same page it must have been third year that we had that conversation
7:35
because at the end of or towards the end of third year was when I first got my first law job
7:41
and got like a clerkship in Queenstown
7:44
and got my first taste of what a lawyer actually did in their day
7:48
and what was involved and met lawyers for the first time
7:50
and sort of got some experience in terms of working a nine to five,
7:54
not working at an orchard or a lolly shop.
7:57
I did a lolly shop stint in Queenstown as well.
7:59
Like everyone knows that lolly shop.
8:00
Wasn't that remarkable?
8:01
Yeah.
8:02
Yeah.
8:02
Absolutely.
8:03
So dangerous.
8:04
Okay, for anyone that is not from New Zealand,
8:07
this is the most iconic sweet shop.
8:08
like you walk in and it's kind of every child's dream there are sweets all over the walls there's
8:14
oh my god I would kill for a jersey caramel right now so good right oh my god do you know I've
8:18
actually got chocolate in the office next door I'm actually gonna go get it that's how much I'm
8:22
craving sugar can I go grab my chocolate this is so unprofessional I'll be right back this is so
8:26
good so this is also quite iconic for me I will say so Vic brought this back as a gift for the
8:32
curved tank oh you won't believe it she's got Whittaker's I was gonna say Whittaker's it's got
8:38
to be Whittaker's so this is like a New Zealand specialty it's like our best chocolate anyway I've
8:44
got a dark almond 62% stunning okay right this is perfect I actually think I need sweet treats for
8:50
the story okay so was it scary to be you know 23 or whatever you were and be thinking this is the
8:58
person I'm going to be with forever this is our home this is my job because it's quite young to
9:02
be in that situation I'm only 34 and I'm doing that yeah no I'm like shocked that I thought that
9:09
that was normal and that I didn't think it was weird at the time like even now I'm like oh my
9:13
god I can't imagine like going through those motions right this moment but at that time it
9:17
felt normal and I was focused on like oh I'll become a lawyer and even then I was like right
9:22
once I'd sort of locked in that I was like my goal was to like work and become a partner one day and
9:26
like that's sort of what will be my life and hopefully have a family and yeah I didn't bend
9:30
an eyelid at the end but now I'm like oh my god you're a baby get the kick out like what are you
9:34
doing so you've moved your life things are going well you're happy you've got a great job amazing
9:40
tick tick tick everything's good let's talk about how this property opportunity came up what was the
9:45
opportunity was it a plan did you think okay right it's time for us to buy or did the opportunity
9:51
just fall into your both of your laps so the opportunity came through a family member of his
9:56
so we were very fortunate in that position where they were very much involved in the property
10:02
world in Queenstown and things like that and said here's an opportunity do you want to take it so my
10:07
partner had he was a builder and my family were builders and also so the opportunity sort of came
10:14
about and and amongst all of that happening as well I actually also started a side hustle which
10:18
might have been like the first step into entrepreneurship and the reason I'm bringing
10:23
that up is that did also go towards the build and things like that as well as this other business
10:29
that I did have but yes so the opportunity came up it was sort of a no-brainer we were in that
10:34
phase of life maybe six months after the opportunity came up he proposed so he went from partner to
10:41
fiance.
10:42
Hold on.
10:43
How old were you?
10:44
It was 2018.
10:45
How old am I in 2018?
10:48
Eight years ago.
10:49
So 23?
10:50
Yeah.
10:50
Oh my God.
10:52
Wow.
10:52
That's so young.
10:53
So young at the time.
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But at the time it felt right.
10:56
Because you've been together for seven-ish years by that point.
10:59
It was the happiest I've ever been.
11:00
I was like working as a lawyer.
11:02
I had this side business selling cakes.
11:04
Like life was good.
11:06
We
11:06
were now starting to build this house.
11:09
It did take us two years to build the house.
11:11
So obviously we
11:11
were building it ourselves like for two years of our lives we didn't actually have a life like it
11:15
was a really hard grind I was working full-time as a lawyer I was up at 4am making cakes and the
11:21
weekends as well when I wasn't at the house helping in whatever way I could in terms of the build but
11:26
we were grinding I guess that's the kind of the picture I'm trying to paint like it's not like we
11:30
did this house and you know we were given money or anything like that it was here's an opportunity
11:35
we were definitely given an opportunity and I'll never refute that like we would absolutely provide
11:40
an opportunity and in through a family member of his but we were grinding like we were there every
11:46
weekend every night every spare hour for two years it took to build this house when it came to the
11:52
actual finances who whose name was it in how was it set up yeah how were you funding the project
11:58
can you just run through a bit more detail around the actual setup of that yep so the initial build
12:05
was through my partner.
12:06
So my name wasn't on it at all,
12:09
which some people might go, that's really risky.
12:12
It was in his name and his lending,
12:14
but we paid everything together.
12:16
So he never put in more than I did.
12:18
We split the lending.
12:20
So we were splitting our rent 50
12:21
because we were obviously paying rent
12:22
while we were paying the loan as well.
12:24
So we were splitting the rent 50-50.
12:26
We were splitting the loan 50-50.
12:28
We were splitting all of our costs equally.
12:32
Every bill that we got, we both paid half of that as well.
12:35
It was in his name.
12:36
Now that's a risk, but given my background and my knowledge, I knew I was fine.
12:40
I knew without it being in my name, I was still legally entitled to that property.
12:44
It was 50-50
12:45
in terms of relationship property law.
12:47
We were in a de facto relationship.
12:49
I didn't have any
12:50
concerns there by it not essentially being in my name because I knew it was legally my house as
12:55
well.
12:56
So this is different in other parts of the world, but in New Zealand, is it after two years
13:00
or three years?
13:01
Three years.
13:02
Yeah.
13:03
Thank God.
13:03
Cause two is quite quick.
13:05
Three years, you
13:07
officially become almost in the same way as when you get married and you kind of, everything is
13:12
sort of fair game.
13:13
It's the same thing in New Zealand.
13:15
Whereas I know that's quite unique.
13:16
Other parts of the world, it's not like that, but you basically knew, cause obviously you had a
13:20
legal background that you were fine and that there was never going to be an issue in terms of who
13:26
owns it yeah so you were engaged had a beautiful home everything was good well not quite this is
13:33
where it's interesting so we were literally maybe one month away from finishing our build we were
13:41
living downstairs I think all that we had left to do was maybe carpet like windows were in walls
13:46
were painted kitchen was in and then my mum was meant to be coming for dinner this night and um
13:53
I got a text that day at work from my partner being like,
13:55
is your mum still coming for dinner?
13:57
And I was like, yeah, why is that?
13:58
And he's like, oh, I don't think she should.
14:00
I was like, okay, that's really weird.
14:02
And I just had this gut feeling.
14:04
I was like, oh my God, we're over.
14:08
And I actually rang my sister-in-law and was like,
14:11
I just got this text from my partner.
14:14
And he just said, can your mum not come to dinner?
14:17
I was like, I reckon we're done.
14:18
And she's like, there's no way.
14:19
Like, there is just no way.
14:21
And sorry, is this the sister?
14:22
this is your fiancee sister no this is my brother's wife oh so at this point how far through
14:30
the wedding planning every paying for the wedding okay so this is September 2019 we were getting
14:35
married November 2019 so we're two months away from the wedding so we we had like the venue locked
14:40
in we had the food like catering locked in the photographer we even had a videographer invites
14:45
have been sent like the wedding was locked in we had all the wine sitting in our garage so yeah
14:51
we're getting married November 2019 but in so two months before yeah I got this text while I was at
14:57
work it was a Monday saying can your mum not come to dinner and I was like oh my god and it's just
15:03
it was not and then so I went home that night and my partner had cheated on me my fiance had cheated
15:08
on me and I remember just like dropping to the floor you see it in the movies and you're like
15:15
does that happen in real life it happened like it was literally like like the whole breath just
15:20
taken out of your lungs being like oh my god the last thing that you expected and I think that's
15:25
the thing like if you asked anybody at the time you know sometimes you're like I called that
15:29
nobody called it like nobody saw this coming I didn't see it coming no one saw it coming small
15:35
town it was the talk of the town for months and months and months like nobody saw it coming it's
15:40
definitely not one of those ones where you're like no we kind of knew that was going to happen the
15:44
whole way along it was definitely one that was like holy heck and it was like you're getting
15:48
married in two months like what it literally broke me and it broke it broke me but also looking back
15:57
it broke my heart because initially my reaction was we can make this work and that was never me
16:03
like I was never the girl that was like if a guy had treated me that way or could do something like
16:08
that I was like I am done like I know my worth I would walk away I would never stand by somebody
16:13
that did that to me and in the initial moment it was like oh no we can make this work and
16:20
thankfully he was like oh no like I've done this and he didn't beg for forgiveness immediately
16:26
it came don't worry it came it always comes as females we always know that it comes just not
16:31
but it didn't come at first what the yeah no so he got caught up in this little love of fear bubble
16:38
wait he was dating the yeah like straight away so they he was like staying in her house he brought
16:43
her to our home like the home that we were still living in together no that is absolutely i hope
16:49
if there's any children in the car please block their ears that is absolutely fucked like to bring
16:56
when you're about to get married holy shit in what context i was away the for the day with like
17:03
some girlfriends are so lucky at the time i had the best girlfriends around me like girlfriends
17:07
it I mean everyone just needs a good girl group right to be like you can get through anything
17:12
they're the real loves of your life aren't they yeah literally um so I was out for the day and
17:17
then they just obviously decided to have I don't know drinks and an event at our house so she was
17:22
at our house so were our mutual friends as well and I got home and they one of our friends like
17:29
it was a mutual friend of ours said oh Holly I don't think you should go in there and I said
17:33
why it's my home like that's literally where I'm going to sleep and they're like oh no she's there
17:39
and I just remember thinking all of you suck as well like the fact that you're okay with this and
17:45
can stand by this exit like absolutely not my people did you storm in and say like get the
17:52
fuck out of my hands no I no gosh no I left I was very firm in that I will take the high road
17:59
till death like I am not going to give a reaction I'm not going to be response like to me no response
18:04
was the best response and I was like that's the one thing I can control in this dynamic like they
18:07
can do whatever they want to do no one can ever say anything about me if I give no reaction like
18:13
I will hold my head high I'm not going to throw anything I'm not going to scream I'm not going to
18:17
call you names I'm not going to call her any names she didn't owe me anything she didn't do anything
18:22
to me you know like she knew that he was engaged and getting married in two months and just build
18:26
her house with somebody but she didn't owe me anything so I left and even after I left I got
18:32
then proceeded to get sent and I've got screenshots so um videos from the girl and her friend drinking
18:39
our wedding wine what kind of sadistic weird person does that honestly I've got screenshots
18:44
because I'm like that you're mean like you have to live with that for the rest of your life that
18:49
you did something like that I did nothing to you and you are sitting there in my house with my
18:54
fiance drinking my wedding wine being like haha like we're with him and I'm like have him by that
19:00
point I'm like he is your like I am done like nobody who was meant for me would ever do that
19:06
to me in my life so I'd like definitely done a shift by that point initially it was a heartbroken
19:13
and I was like I would have taken you back by this point like and it probably only took two to
19:17
three weeks but by this point I was like well and truly done and it was you are not my person and
19:23
you were not like we were never meant to be and this was like the universe of whatever stepping
19:28
in being like you were going to make a serious mistake if you marry this man and we need to
19:32
stop this drastically before you go down that path and this is the only way to do it and isn't
19:38
that absolutely wild they also then because I had my cake business at the house at that point as
19:44
well right and I had a big calendar like managing my orders and on the wedding day and I've got a
19:49
screenshot of like I've got a photo of this as well we're at oh on the wedding date of what was
19:54
meant to be our wedding day so they wrote over that that night too and I was like you are mean
19:59
you're mean girls and good luck to you have him have the life I don't want to I'm out leave me
20:05
alone please Jesus okay so right so that happened plot twist firstly I'm really sorry I know that
20:12
you're over it now but that is like definitely something no one should ever experience although
20:17
So thank God you didn't marry him.
20:19
Thank God.
20:20
So the relationship obviously ended at that point.
20:23
He was trying to get you back.
20:24
Yes.
20:25
I think initially he was just going through some stuff and that was a distraction.
20:30
And he was like, oh, this is so fun.
20:32
And then maybe after, you know, the first, you know, everything's fun when it's new.
20:36
And then maybe like, it was probably like four weeks later, he was like, oh no, I'm
20:39
so done with her after all that stuff that had happened.
20:41
And he was literally begging me to come back.
20:45
because it was by the time, so what was meant to be our wedding,
20:48
I left and went to Australia with my mum and I was like getting phone calls,
20:52
being like, you know, we're meant to be getting married and take me back
20:57
and, you know, please forgive me and all those types of things.
21:01
And so I think at that point it wasn't a financial driver.
21:04
I think he genuinely realised he made a mistake and then was like,
21:09
I'll do anything to get you back.
21:10
Like I was having like 13 missed phone calls a day.
21:14
my family were getting messages you know my mum was getting messages my dad was getting messages
21:19
friends were getting messages it was wild no one can come back from that you cannot come back from
21:24
that or like and also he did kind of come with the approach of like just forgive me right now
21:28
let's move on and I'm like no I don't think you get understand like you do something like that
21:32
you don't just move like it's not a thing where you're like okay it's done and the next day we're
21:37
good and I don't know if anyone can ever truly come back from that and if you do I think you
21:41
need a lot of therapy and a lot of work before you decide whether you actually could ever move
21:47
forward from a situation like that.
21:48
Me personally, absolutely not.
21:50
What was the legal situation when
21:52
you separated?
21:53
And can we talk about what unfolded once you decided, right, we're definitely separated.
22:00
Now we have to deal with obviously the fallout financially from the wedding, but also
22:04
we have this shared asset together.
22:07
What happened?
22:08
Yeah.
22:09
So you get no deposits back when you cancel
22:11
the wedding two months in advance and everything you've paid so say goodbye to that money by the
22:15
way did you try to say my fiancee oh my god no I was mortified I had to get my mum to contact all
22:22
the vendors and be like sorry the wedding's not going going ahead and just put my head I was like
22:26
tapping out that's not even worth chasing because I knew like you know that and then I tried to take
22:31
a kind of real realistic approach and said well let's get the property valued here's our debt
22:37
we'll split the equity 50-50 and I had some real estate agents come through bearing in mind this
22:43
property's in central Otago and 2019 between 2017 and 2019 everything had started trending up like
22:50
central Otago has always kind of been a nice area but things had started going up drastically
22:56
around that point and in terms of the home we'd sort of built and things like that like the
23:01
property valuation came in quite high at that point.
23:04
So you'd made money?
23:05
Yeah definitely like
23:07
substantial money but then came the conversation of well that's a valuation that's not true and
23:14
I just said that verbally and sort of left it at that and was sort of like that's how I intended
23:17
to approach it but we needed to clarify what our debt was because we'd obviously done a lot
23:22
ourselves we hadn't sort of had clear breakdowns from the building company which you know our loan
23:28
was through and things like that in terms of where we were at with our lending.
23:30
We'd had
23:31
a breakdown about in August.
23:33
We sort of got it given a breakdown.
23:35
And then there were a few
23:36
costs that came in in September, which I had some receipts for, but not all of them.
23:40
So there was a
23:40
bit of conversation about what the actual debt was in terms of where we were at with our loan
23:46
and lending and things like that.
23:47
Can I just clarify, when you say that,
23:49
you basically mean you had to actually really carefully look at how much you'd spent and how
23:54
much you owed to get a clear picture of the amount that you still needed to pay back to the bank and
23:59
therefore that was the thing that was impacting the sort of question mark around what's the value
24:04
of this property yeah yeah and they disagreed with the real estate valuation and things like that so
24:10
then I sort of that's the approach I was trying to take it was going the house is kind of our main
24:16
asset we've both kind of chucked everything we've had in the last two years into this and the wedding
24:21
you know there's not really much else to argue over let's just work out what the equity is split
24:25
that 50 50 and we'll go our separate ways and they offered me a figure which was way less than
24:32
the equity based on our full loan and what their real estate agent had provided as a property
24:39
valuation like I think at that point the property might have been valued at like one point I can't
24:44
know if it was 1.2 or 1.3 maybe even at that point that's amazing at 24 holy and it was like
24:53
it's location driven definitely and the timing um so following that I got my first lawyer letter
25:00
so he went and got a lawyer involved and sent me this formal letter and I went oh okay so we're
25:06
going down that path and then I got a lawyer of my own because every lawyer knows you should never
25:11
act for yourself and so they sent the first letter when it comes to relationship property the first
25:17
step is disclosure so you do a full breakdown of cost like debts and liabilities to work out
25:22
what everything is involved to then work out what is relationship property what's the split what
25:27
does that look like we spent the next year after they started the first letter asking for disclosure
25:32
and did not get it and what so what were you waiting to get what disclosure did they need
25:36
to provide so like the debt the actual debt in terms of you know our costs and things like that
25:43
and you can't put forward a serious offer until you sort of get full disclosure on debts and
25:47
liabilities so we're asking for information we weren't getting it that went on for a year
25:51
um at this point i was like i can't live here so we were still sharing the house
25:56
yeah no he was living upstairs i was living downstairs because there's like an apartment
26:00
downstairs oh my god I cannot deal I would have just been like on actual eggshells not wanting
26:07
to leave the house not wanting to that's so bad for your mental health yeah and I was like this
26:12
is not viable like we need a solution we're not getting a resolution then I got the lawyer's
26:16
letter and I was like okay I'm out like I literally can't stay here a day longer because
26:21
he was also like knocking on my door being like take me back take me back and I'm like no like
26:25
you made your bed line it let me move on um and you've also now got lawyers involved and
26:30
then I was like I need out so then that year I was working as a lawyer by that point I'd left
26:34
Queenstown and was working in Wanaka at a law firm there and when I moved in with my two best
26:39
friends anyone going through a breakup move in with your best friends because it is so much fun
26:43
you have the time of your life so then we face a three-year court battle over this house um so it
26:50
wasn't quick it wasn't smooth it was one of the most horrific processes I think I've ever been
26:55
through in my life um and a real eye-opening experience like I think we always the perception
27:01
is law is black and white and it's this or that that is absolutely not the case like it is so gray
27:07
that it's unbelievable and I think I should have known that given we all hear about how you've got
27:11
like the family court the court of appeal the supreme court like even when a court makes a
27:18
ruling you can challenge it so it's like laws never black and white you know you get a ruling
27:23
and you can go to another court and get it overturned so anyone thinking that they have
27:28
it figured out or there's going to be this person coming in to say you're right or here's like a
27:33
judgment like you know go away on your merry way you're dreaming and I think that's the reality
27:38
I've learned in terms of life like there is never a real winner there's never a clear outcome so
27:44
for the next three years we were in court and every time you felt like you win courts just
27:50
give opportunity after opportunity like he simply just would not comply with court orders and
27:55
what do you do you have to go back to court and say I have to spend more money on more lawyers
28:00
wait more time and be like you made a ruling they haven't complied what are you going to do about it
28:05
oh we'll go back we'll give them another chance and then they do it again and they don't comply
28:09
So I don't know how long into this at this point, maybe a couple of years later,
28:13
by going back and forth, back and forth through courts.
28:16
And also, sorry, do you think he was trying to make you spend more money on lawyers?
28:20
Oh, absolutely.
28:21
It was like, we'll draw this out until you give up because you can't keep funding this forever.
28:26
Absolutely.
28:27
That's so mean.
28:29
Yeah.
28:29
No, that was definitely the intention is we'll drag this out as long as possible
28:34
and let you keep spending money until you run out because you're going to run out.
28:36
like all your equity was in that home like you do you put your entire life and savings into that
28:41
you don't have the funds to keep funding lawyers to keep spending sending letters after letters and
28:46
keep going to court years and years later had to pay for like valuations and all those types of
28:50
things that people all tell you lawyers go oh you'll get that back you don't very rare do you
28:55
get to a point like when it comes to reaching settlements and relationship property so much
28:59
stuff gets gets swept under the rug so people sitting there saying you can get this you can
29:03
you might but the chances of you getting that you probably won't in reality so at this point how
29:08
much did you spend on legal fees like where did it land because that would have been so stressful
29:13
spending that much money on court fees number one but then yeah how like at what did you think okay
29:20
maybe I should just give up what I mean the whole like sunken cost fallacy would be really hard to
29:26
if you've already spent a lot of money.
29:29
Yeah, I think we finally got to a figure.
29:33
So just to give you a bit of context as well.
29:34
So I finally got a court date for a court audit for sale.
29:38
So because the property wasn't in my name,
29:39
I could only do so much.
29:41
So we got a hearing for a court audit sale.
29:46
And literally, I think it was like 12 hours
29:49
before that court hearing,
29:51
my lawyer who had been with me for the entire two and a half,
29:55
almost three year process,
29:57
she had to leave town and I said to her are you okay to attend this via video conference and she's
30:02
like yeah yeah and she's like oh I'll double check and she sent an email to the court saying you know
30:07
I'm out of town can I attend via this video conference and they wrote back and said no
30:11
so three years into the separation 12 hours or whatever it was before my court process
30:16
my lawyer's like oh I'm not going to be there and we now need to find another lawyer who can step in
30:22
and represent you at this court hearing for a court order because it was the finally the big
30:26
day to get the court ordered sale because that's what we needed to actually sell the property
30:31
because they just weren't complying with any of the directions so now it was like to take it out
30:34
of their hands but yeah and the lawyer I'd had for three years up until that point couldn't attend so
30:39
we had to find somebody on like overnight's notice to be like can you show up and present at this
30:43
hearing for me so that was another spanner in the works but at that hearing we got the court ordered
30:48
sale so the court said cool here's your order for sale you can now like sell the property he then
30:53
didn't comply with that and that was another spanner in the works where you get a court ordered
30:59
sale and they literally just don't comply and the court had appointed a real estate agent and yeah
31:06
and they were just like no and just didn't comply and fast forward you had to wait till that court
31:11
order expired and be like well they haven't complied with the court order which was like
31:14
another three months and then in that three month time frame my lawyer that had been with me for
31:19
that two and a half three year time frame she actually got made a judge and couldn't no longer
31:22
represent me so then I had to find another lawyer and amongst all of this as well and then fast
31:28
forward I got another lawyer we finally got the property sold and that was that 2022 I think we
31:36
got it sold via court ordered sale and for context he still thought he could keep the property the
31:41
real estate that went there the day of settlement and he was still in the house because they tried
31:45
to do I won't go into the detail but he tried to do everything he could to stop the sale
31:49
and it didn't work the buyer paid and then the real estate showed up and he was literally in
31:53
the house all his furniture like nothing packed like he literally thought he could stop the sale
31:57
and she's like you need to get out like this house is sold um and she rang me and she's like
32:02
so settlement's gone through but he's still in the property and he's now running around like a
32:07
headless chicken trying to get all of his stuff out before the buyer shows up like it was a wild
32:11
experience he is crazy what who I mean okay let's just I'm gonna keep my mouth shut sorry yeah yeah
32:21
so that was wild so that so 2023 we finally after everything like it was like 1920 it was like three
32:28
years um finally got it sold obviously quite shit at dates I'll be honest Holly's yeah honestly she's
32:34
like 20 it was 85 and it was 91 like math is not my strong point um anyway so nor dates anyway it
32:44
was finally sold and that was great but it was still the conversation about how the sale proceeds
32:49
are going to be split so then that took another year of court fees and processes and we still
32:55
hadn't got the information that we've been asking for for however long we're now yeah we're definitely
33:00
2023 by this point so it'd been going on for ages the property been sold but we still hadn't got the
33:05
information and we finally went to a court date and by this point I am almost at six figures in
33:11
legal fees over the last however many years and I'd saved a lot of costs because I obviously had
33:16
a background in law I have a background in relationship property and things like that
33:19
like I knew what I needed to do and what I didn't so I could save money and help my lawyers as much
33:23
as possible by giving you know pre-drafting staffing letting them edit and things like that
33:29
I remember sitting there and my lawyer said to me, Holly, he's like, at some point you just have to be done.
33:34
He's like, oh, so whatever date, however many years, we're not great at math, but we sat in front of the judge.
33:39
So we finally got this hearing where we're meant to be deciding what happens with the legal fees and with the settlement proceeds.
33:46
And the judge literally looked at me and goes, I'm not going to lie.
33:50
I haven't read any of this.
33:52
And I just went, and my heart just like sunk.
33:55
And I was like, this is your job.
33:57
Like you're a judge.
33:58
this is a hearing that you're meant to be hearing and you're telling me you know you have to I've
34:03
paid lawyers to draft all of these memorandums file all of this evidence for you to review before
34:08
today and you're sitting here looking at me going I haven't read any of this we're now four years
34:13
whatever and why don't we just get a resolution today you're both young let's just move on with
34:17
your life and I'm like well that's our justice system where I've spent tens of thousands of
34:24
on lawyers filing this evidence, four years of my life.
34:29
And for a judge to sit there and look at me
34:31
and go, I haven't read any of it.
34:33
Let's just reach a resolution.
34:34
Come on, like you're all young here.
34:36
Let's just move on with our lives.
34:37
And I was like, wow.
34:39
And then my lawyer said to me, he's like,
34:41
you could keep going.
34:42
You could win.
34:43
But for them, it's not about money.
34:45
It's about principle.
34:46
And if you win today, they'll take you to the court of appeal.
34:49
Do you know what I mean?
34:50
Like
34:50
a win isn't even a win in New Zealand.
34:52
You can challenge it.
34:53
He's like, it's time to like,
34:55
well, he didn't tell me it was time,
34:57
but he helped me frame to go,
34:58
it's time to just walk away.
34:59
So we went back in and he did what he did.
35:02
And he like, I walked away
35:03
and it was definitely not what I would consider fair
35:06
considering property prices in that time as well
35:08
had gone up even more.
35:10
That was sort of the peak of property pricing
35:13
and things like that.
35:13
But I was just at that point so done
35:15
and it was time to move on with my life
35:17
and realize that there is way more to life
35:20
than money um and and it wasn't to me I don't think it was about money it was trying to be like
35:25
you've done something wrong and you should be held accountable and you should have to prove
35:29
that and present the evidence and you can't ignore court orders and somebody needs to say
35:34
it's not okay and then I was like nobody's coming to say it's not okay nobody's coming to save you
35:39
it's time to just move on with your life and let go of this concept that somebody will come save
35:46
you or say somebody's hurt you but what were you offered in terms of like what was the actual
35:52
decision that you had to accept that you weren't stoked with it wasn't it definitely wasn't 50 50
35:57
there was just numbers kind of thrown around but it should have been 50 50 and it wasn't is
36:01
essentially what happened no yeah definitely so they were looking at the amount that the house
36:06
sold for and they said you can have this and you can have this yeah pretty much and there was no
36:11
recognition for like all the orders previously of like occupation rent that was meant to come in and
36:17
all the value you know the three grand valuations that you got I had to go and pay for twice on
36:23
court directions or any of it and it's it just none of that came into it but it was time to walk
36:28
away and like you could afford and keep spending money but it was yeah I got to a point where it
36:32
was like again not great at math but we're 2023 and it's time to move on with your life like this
36:38
has been going on since 2019.
36:39
Like it's time to let it all go.
36:42
Did you end up getting some money
36:44
out of it?
36:45
Like, did you at least get capital gains and like some, it wasn't as though you were
36:50
in the red even after spending all like, you know, a hundred thousand on legal fees?
36:54
Yes.
36:54
No,
36:55
I was very fortunate in terms of that.
36:57
And because I'd just been paying my legal fees as I went along,
37:00
I kind of just treated that as money gone.
37:01
Like I wasn't really looking at that.
37:03
So definitely in a
37:04
position where I had now a decent still a decent house deposit to move forward with so it wasn't
37:10
me going into the negatives and you're walking away with 10 grand like it was still a decent
37:14
house deposit maybe not in central Otago on my own but um like it was fine and I mean it wasn't
37:20
going to change my life by any means but it was there and it was like okay more from that it was
37:25
like let's take the lessons from it versus maybe monetary wins like let's take the life lessons
37:31
the law lessons that you learned in terms of tools and relationship property and what people can do
37:37
and you know the power of court orders and you know all the limitations on court orders and
37:43
things like that as well let's talk about the lesson so if you look back now what would you
37:47
have done differently if you were buying with him I mean gosh let's start there there's many
37:52
learnings I'm sure but let's start there yeah definitely having I would never do a build with
37:59
a builder privately like not I would only ever build through a building company fixed price
38:04
contract you both know what you're in you both know what you're putting in you know what your
38:08
costs are there would be no building yourself or trying to save cost elsewhere or doing any of
38:14
those types of tools or tricks I would be like no neither of us going to do anything here's a
38:18
builder here's the contractors here's the price that's it I would have walked away a lot sooner
38:22
knowing what I know now if I'd known what I'd known at the end I would have walked away at
38:27
the very beginning in 2019 but also I only can say that because I went through everything that I went
38:33
through versus if I hadn't gone through that experience I would never have been okay walking
38:37
away at that point because I would never have known.
38:39
So was it a similar amount basically that
38:41
they offered you at that point?
38:42
It was more but I think given everything that I'd gone through
38:46
it wasn't worth it.
38:48
Money wise no, life lessons wise absolutely because I think it built some
38:52
serious resilience and that real understanding of letting go I think we all sometimes feel like
38:57
when people do something wrong we're all grown up like oh you know if you do something wrong
39:00
you're gonna get in trouble it's like are you really like no one's actually that worried
39:04
um unless it's like really seriously bad but like nobody actually cares and nobody is going to come
39:09
going to come save you so I think it was sort of the thing of like taking life into your own hands
39:14
and being like how can I do this for myself and never need to rely on anyone moving forward was
39:18
probably a huge thing that came out of it for me and to be like I can be successful and do well on
39:24
my own terms and not have somebody else play a part in that or deter my level of success and
39:31
what I do with my life.
39:32
So many things I want to touch on but the first thing is maybe the last
39:38
point that you just made.
39:39
Do you mean that you will never get financially involved with someone
39:43
again?
39:44
That you don't want to build a life with somebody where your success is intertwined?
39:48
Is
39:49
that kind of what you mean maybe and I don't want to say not intertwined because because I did then
39:55
enter into a new relationship post that whole experience and did enter into a new phase of
40:01
building a house with somebody again but my approach to it was very different and I also
40:07
maintained my own independence throughout it and I was never and very clear on that and I think
40:14
maybe not so refusing to intertwine lives but still making sure I am good financially and I'm
40:21
not actually relying on someone else ever financially and I think I've seen that so much
40:26
in my career as well as relationship property how women particularly can be impacted by supporting
40:34
their partners in life and in things and things outside of your control happen and you get hit
40:40
really hard financially and that's a whole different concept that we could probably go into
40:44
but that is a big driver in terms of it sort of I think gave something in me to be like okay I want
40:50
to put myself in a position where I am okay financially and I never have to rely on anyone
40:55
ever again and I can still be in a relationship and have a life with somebody but I will always
41:01
have my own financial independence.
41:03
It's such a hard balance though you know the idea of
41:06
wanting your own and having your own financial independence, but then also having shared goals
41:11
and working towards things with somebody.
41:13
I definitely don't think I've figured out what
41:15
that middle ground is, but is what you're saying, if you go about it the right way and you have
41:21
your own financial independence, as in you have your own money, you have your own goals,
41:25
but you also are open to the idea of doing something with them.
41:30
Yeah.
41:30
Because I think, yeah, I don't know.
41:32
I'm still figuring out how I feel about that.
41:35
Yeah.
41:36
And I get that.
41:36
I think it changes though, depending on what phase you're in,
41:40
in terms of that, like what it could be right now, it can be really different when you enter
41:44
a next chapter, when you do start building something together.
41:47
And I think that's the thing
41:48
when it comes to finances and relationships and things like that.
41:51
It's not black and white and
41:52
it's not like it's this one rule that you then have to stick to for the next 60 years.
41:57
I think
41:58
it's being open to being like, okay, this is where we are right now.
42:00
And this is what it looks like.
42:01
okay this is our next chapter and this is what we want to do how does it look like then and just
42:05
making sure in each phase even doing stuff together you are still making sure like you are
42:11
you are protected and you are going to be okay no matter if something does happen in any of those
42:16
different phases you haven't just given away all of your I don't want to say it's not your
42:21
independence but like not just passing it over to somebody else and trusting them to do it for you
42:26
maybe it's not being passive yeah yeah how do you think that that entire experience shaped
42:32
the way that you now think about money relationships property today I think I'm open
42:41
to absolutely doing things with another person and it doesn't have to be on your own like you
42:47
don't have to build success by yourself I think it's very hard to build success by yourself like
42:51
it takes a whole group of people to make you successful but I think it's also choosing those
42:56
people wisely like in that dynamic that was never a two-way equal street so it's finding somebody
43:02
who like you say has the same goals like if you're not aligned financially and you do have different
43:08
goals like do you really want to be intertwining your finances if you do have different goals or
43:12
they don't have the same sort of trajectory you want to go so I think it is like aligning now
43:17
For me particularly, it's aligning with somebody who has the same sort of vision and goals and approach that I do.
43:25
And it's not necessarily they agree with what I do.
43:27
Like I'd hope it'd be somebody I can learn from and grow from and they can, you know, add skills that I don't have because I definitely don't have it all figured out.
43:35
but really being a team and taking that team approach and making sure it's fair both sides
43:42
the whole way through not just yeah one person driving and the other person being passive.
43:48
I guess if someone's listening right now and they're thinking about all their own property
43:52
with somebody what are some of the key things that they should think about either before signing or
43:59
if they are in a really happy relationship and they have property with somebody what are some
44:04
of those things that they should think about make sure they have in place maybe it's even
44:07
conversations that they should have had or had documented yeah so I think everyone needs to
44:13
normalize the conversation of prenups I literally had this conversation a couple of days ago where
44:19
their whole perception of prenups was that gold digger term like we need a prenup because we
44:25
think you're a gold digger and I'm like that's going with the approach of like prenups are what's
44:28
mine is mine what's yours is yours hard no you know there's and it's like that's not what a
44:33
prenup is like that is a really old school maybe perception of what prenups are but they they're
44:40
so fluid and they're so tailored to each individual person and their circumstances
44:46
that we need to make them normal and say that they should be part of our conversations and
44:50
not this big scary thing of me trying to say well if we break up you're gonna going to steal my
44:55
money and you're at this gold digger or whatever it is because because it's not like that in
44:59
reality I think the reality of a prenup is saying let's look at our relationship what we've
45:05
contributed where we both are and where we want to go and what we would consider fair given who's
45:09
doing what and who's sacrificing and things like that because also things aren't always monetary
45:13
as well contributing to a relationship a lot of things aren't monetary that you can't value so
45:18
it's taking a holistic view and I think the reality of a prenup is it's just saying between
45:23
us let's agree with what's fair versus letting the government decide like the the act is just
45:29
a backup if you haven't chosen and I think that's the thing about a prenup is it's you making a
45:34
choice and a proactive choice because so many people get in because of a gift from a family
45:38
member or an opportunity and things like that that people do want to protect because I think
45:43
it's particularly in New Zealand once you do hit that three-year mark and you are in a relationship
45:48
and you are considered de facto if you are living in a home that you did you know perhaps receive
45:54
some inheritance for or a gift for you've been you know paying for this and you've reduced your
45:58
debt you've down quite substantially you might have owned it for 10 years before you you've met
46:02
your now partner you've actually got quite a bit of equity that you've built prior to this
46:07
relationship with this person you might go I actually want to look at a way to protect that
46:11
at least in the next five to ten years particularly if they aren't contributing um towards it or even
46:17
just protect what you've built up into that point and there's just so many ways you can do it so I
46:23
think it's being okay to have those conversations like I think we're also scared to talk about money
46:28
and that perception of if we're talking about money,
46:31
you're greedy or you've got an ulterior motive
46:34
or what are you trying to do?
46:36
And it's like, it's not, it's just money.
46:38
Let's just talk about it.
46:39
Let's have those conversations
46:40
because the more clear you are at the beginning,
46:44
I think the better it is going to be long-term
46:46
because nobody's under any illusions.
46:48
You're both clear on where you stand.
46:50
There's no uncertain territory where people make up stories
46:52
and we're all good at making up stories in our heads
46:54
when we don't know
46:55
and people are quite good at avoiding conversations.
46:57
and then we paint these pictures and act in certain ways.
46:59
And it's like, let's just get clear from the beginning.
47:01
Have those conversations with your partner and decide,
47:04
and you might not be able to decide what's fair.
47:06
You might need some guidance.
47:08
And that is where lawyers are helpful,
47:10
is they've seen this, they do it a lot,
47:12
to say, there are so many different ways
47:14
you can approach this.
47:15
It is not what's mine is mine,
47:16
what's yours is yours, full stop, by any means.
47:19
So I think it's being okay to have those conversations
47:21
together and then both be willing to go,
47:23
okay, well, how can we,
47:24
maybe we do need to go get some advice
47:26
and hear how we can do it in a way that's fair for us both
47:30
and how it can evolve with our life
47:31
and the different things that we do.
47:33
For anyone that's listening to that,
47:34
because I think we should absolutely go into more detail
47:38
and I would love to actually have another conversation
47:41
with you where we talk about more about succession,
47:45
wills, property law,
47:47
how to think about prenups differently,
47:50
assets within relationships.
47:51
I think that there's a huge conversation to be had
47:54
and obviously as a lawyer and with experience in this space, I think that there's a lot that we
47:59
could learn and unpack.
48:01
So I would love to talk about that more.
48:03
But I would love to wrap this
48:04
conversation up by just, I guess, asking what do you think is the biggest reason that people
48:11
should think about, talk about this stuff earlier in relationships or earlier in life,
48:16
given the experience you have both personally, but also with your work?
48:20
I imagine there's people
48:20
wanting to tune out of this because it is so bury your head in the sand and I understand why and I
48:27
just I don't know I'd love to know for anyone that is thinking I don't really want to tune in for
48:32
part two because I don't really want to think about this do you have any kind of like final
48:39
thoughts that may change their mind on that I think you're always better to be informed and
48:45
make a decision based off having enough information and once you've got that information if you don't
48:49
want to do anything with it fair enough like everyone is their own person and they can choose
48:54
to do with what they want but if you don't know I think that's where a lot of it I think the
49:00
surprises come in particularly personally and professionally what I've seen is people don't
49:05
know and then they get to the end when something goes wrong and they're thrown all this law and
49:11
all of these positions and they go but that's not what they said but that's not what we agreed to
49:15
but that's not what we had decided.
49:17
That's not how we acted for the last 15 years.
49:20
They didn't do this.
49:20
They didn't do that.
49:21
And it goes, it doesn't matter.
49:22
Like it actually doesn't matter what you two have done,
49:24
what you two have decided,
49:25
what you two have said between yourselves.
49:27
When you get to the end point
49:28
and then you have a lawyer saying,
49:30
well, you're legally entitled to this
49:31
or you could legally do this.
49:33
So many people go, oh, it's not me.
49:35
Despite what we've said between us for the last 15 years,
49:37
it's not me.
49:38
My lawyer has said this.
49:39
It's my legal right.
49:40
Of course I have to do this.
49:42
And I have seen that so many times.
49:45
Yeah.
49:46
And then again, and it's all these people who go, well, I didn't know.
49:49
And it's like, well,
49:50
that's to me where I do think it's really important to educate people on knowing what
49:54
are the rights?
49:55
Because so many of us don't know and don't know how it works.
49:58
And you don't know
49:58
until it's too late.
49:59
And you go, well, we haven't been operating that way.
50:01
And it goes, well,
50:02
it's too late at that point because the laws apply and it is what it is.
50:05
So I think it's
50:06
just being better educated.
50:07
Like I want to be better educated on finances.
50:09
We all want to be
50:10
better educated so then we can make the decisions and do with that information what we please.
50:14
But I think having that information to then make a decision is always going to put you
50:18
in a better position.
50:20
It's also interesting because your experience with the court system and actually trying
50:25
to do something, realizing how difficult that is to implement if you don't have something
50:31
watertight and in writing.
50:34
I mean, you've experienced that firsthand where you kind of can't rely on the system
50:39
to do what's right by you.
50:41
You have to put it in writing first.
50:43
And I think that, yeah, it makes a lot of sense why you're doing the work you're doing and why you're so passionate about telling people what their rights are and what they need to do if they, yeah, want to feel like they've got their ducks in a row and are protected should worst case scenario happen, like your fiancee come home two months before the wedding and tell you they've cheated.
51:05
Holly I think that I can speak on behalf of the entire audience and yeah the whole curve community
51:11
and anyone else that's tuning in for the first time to hear someone educated very successful
51:18
very honest and and have the courage to share all of the things that you quote unquote did wrong or
51:25
didn't know and like all of the messy stuff in between I think that you're really walking the
51:31
walking the walk.
51:32
It's getting a bit like walking the talk in terms of sharing what happened to you
51:35
to help other people.
51:36
And I think that that's super admirable.
51:38
So thank you for sharing.
51:40
And
51:41
for anyone that would like to hear more from Holly, she has an incredible business,
51:46
which helps you navigate these types of conversations called succession.
51:50
And we have a code for anyone from the curve community.
51:54
It's the curve.
51:55
We will put all the
51:56
details in the podcast show notes.
51:57
If you think this is something you want to explore,
51:59
but also yeah I would love to get you on again to have another conversation just learn a bit more
52:04
about this and I think that it might be nice for other people before engaging with you or a lawyer
52:11
to just get some more top line information around some of the things that a lot of us don't know so
52:17
yeah thank you so much for your time it was so great to have you on the podcast
52:22
and yeah hopefully chat again really soon thank you so much for having me did you love the
52:28
episode.
52:29
Yes.
52:30
Have you got property front and center in your mind?
52:34
Yes.
52:35
Sounds like you're a
52:36
five-year-old.
52:36
I know.
52:37
Now could be the time to take the first step towards what it is that you're
52:42
wanting to buy.
52:42
Whether that's your first home, whether that's a new flat, whether it's, I don't
52:46
know, buying another investment property.
52:49
And thankfully, BNZ has the expertise and tools to
52:52
help you get started and their home loan partners are ready whenever you are.
52:57
You can book an
52:57
appointment you can ask millions of questions trust me that is totally fine and you can start
53:03
turning the property dream that you have into a plan and hopefully soon into a reality I know
53:09
from experience that this can feel quite overwhelming but when you're working with
53:12
experts who can actually help you get there it's such a burden off your shoulders know that you're
53:18
you've got the advice and the tools that you need to actually make it happen we know how hard it can
53:23
feel and like overwhelming and just you know so like a fish out of water when it comes to buying
53:29
property so we're so thankful to BNZ to be helping us create and empower this podcast so that people
53:37
can learn and you know we just want you all to succeed we want you all to succeed we're all in
53:43
your corner and this is going to be such a game-changing property podcast series yes and for
53:48
anyone that is going through the process of either buying a house or a flat or whatever it is that
53:53
you're trying to do, please let us know because we would love to be cheering you on from the
53:57
sidelines.
53:58
But thank you so much again to BNZ for empowering this podcast.
54:01
Okay, quickly,
54:02
the curve was created to empower and educate you about investing, but we are not financial advisors.
54:07
Our platform exists for educational purposes only, and it doesn't provide personalized
54:11
investing advice for your individual needs and should not be relied upon to make an investment
54:15
or financial decision.
54:16
And always remember to do your own research before making any investment
54:20
or financial decision.
54:21
We're here for any knowledge and support you need,
54:23
but the final call is always yours.
54:25
And thanks for being here.
54:26
You got this.
54:27
Yeah, we know you got this.