Shows / That Home Loan Hub
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…
Episodes
- That Home Loan Hub
A Reverse Mortgage Can Top Up Your Pension Without A Big Lump Sum
A reverse mortgage can sound like a last resort, but the real story is more nuanced, especially here in New Zealand where so many people retire owning a home…
- That Home Loan Hub
Retirement Planning And First-Home Buying Help In One Night
Two very different stages of life, one shared problem: big money decisions feel harder than they should. We’ve been busy putting together a practical…
- That Home Loan Hub
From Banker To Advocate: Megan Love On Real Estate With Humanity
What if the best real estate advice starts long before you ever step into an open home? We sit down with Megan Love to unpack a people-first approach that…
- That Home Loan Hub
What An Escape Clause Really Means For Your Offer
Ever stared at an escape clause and felt your stomach drop? We’ve been there, and today we break it down with George and Megan Love from Kāpiti, a…
- That Home Loan Hub
You Can Build A Wardrobe And Home You Love While Spending Less
Ever felt priced out of great style or a beautiful home? We’re pulling back the curtain on how to look sharp, feel good, and design welcoming spaces without…
- That Home Loan Hub
Learn How Strategic Colour Can Save Money, Boost Confidence, And Transform Your Home
Colour isn’t just pretty—it's a plan. We sit down with Sam from The Wild Bird to explore how smart colour choices can boost confidence, cut shopping stress…
- That Home Loan Hub
How To Sell Your House When You Have Pets
Love your pets but need to sell your home without stress or awkward surprises at open homes? We dig into a clear, humane plan that keeps animals safe…
- That Home Loan Hub
A Real Estate Journey Built On Service, Family, And Heart
A sharp suit and a pair of scissors once defined George Love’s workdays; now it’s open homes, careful timelines, and a phone that won’t stop ringing. We sit…
- That Home Loan Hub
How Older Homeowners Can Refinance And Thrive
Worried you’re “too old” for a refinance, consolidation, or even buying again after a long break? We dig into the real story behind age caps, why banks differ…
- That Home Loan Hub
Financing Mum’s Renovation Without Risking The Family Home
Ever tried to help a parent renovate or move in, only to discover the real tangle is the title, not the tiles? We dive into a real‑world scenario where a mum…
- That Home Loan Hub
Design Less Room, Gain More Life
Big ideas thrive in small footprints. We dive into seven practical design moves that make compact homes feel generous, functional, and bright—without bloating…
- That Home Loan Hub
How Smart Infill Subdivisions Protect Value And Neighbours
Ever wondered why some backyard builds feel generous and private while others look jammed in and awkward? We dive into the art of infill done right, breaking…
- That Home Loan Hub
How To Prepare A Winning First-Home Loan Application In New Zealand
Prices have steadied, confidence is creeping back, and first-home buyers across New Zealand are asking the same question: what actually gets a mortgage…
- That Home Loan Hub
How To Subdivide A Tiny Section Without Ruining The Street
Ever looked at a front yard or an old garage and thought, could that be a home? We take you inside the high-stakes, small-space world of infill subdivision…
- That Home Loan Hub
Builders and lim reports and what you should be looking at in them
Your offer just got accepted and the clock is ticking. Before you race to go unconditional, we slow things down and show you how to turn a builder’s report and…
- That Home Loan Hub
Banks Treat Lifestyle Properties And Small Apartments Differently, And Your Deposit Might Not Cut It
The property looks perfect, the photos glow, and the price seems doable—until the bank says no. We take you behind the curtain on what lenders really want to…
- That Home Loan Hub
From Fixer-Upper To Turnkey To Full Build: What First-Home Buyers Need To Know
Ready to buy your first home but stuck between an older house, a shiny turnkey, or a full custom build? We break down the real trade-offs with straight talk…
- That Home Loan Hub
How do mortgage broker commissions work in New Zealand?
Ever wondered who actually pays a mortgage broker and when? We pull back the curtain on broker commissions, client fees, and the real incentives that shape…
- That Home Loan Hub
Most advisors have access to the same banks and facilities so what separates a good one from a bad one.
Buying a home is hard enough without radio silence from your advisor or a single-bank strategy that leaves money on the table. We open the bonnet on what…
- That Home Loan Hub
What documentation do I need to apply for an investment property loan in New Zealand?
Prices are off their peaks and lenders are cautious, which makes preparation your best edge. We open the playbook on how to get investment‑ready: the exact…
- That Home Loan Hub
When Couples Should Merge Money And How
Thinking about merging money with your partner but not sure where to start? We dive straight into the messy middle: trust, spending habits, and the moment when…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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 Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
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…
- That Home Loan Hub
When Gifted Equity Counts As Deposit
A small policy misunderstanding nearly derailed a family home transfer, and the fix came down to one line: the 5% “genuine savings” rule only applies when you…
- That Home Loan Hub
Holiday Homebuying: What Changes In December
Keys by Christmas sounds magical until you hit the holiday slowdown. We pull back the curtain on what really happens across New Zealand’s property pipeline in…
- That Home Loan Hub
How A Three-Week Refinance Offer Overheated The Banks
A bank drops a 1.5 percent cashback and the market erupts. We pull back the curtain on the three‑week window that sent refinances and purchases into overdrive…
- That Home Loan Hub
Santa Brought A Rate Rise And A Headache
A rate cut on paper and a rate rise at the bank counter—no wonder everyone feels blindsided. We open the hood on how mortgage pricing really works, why…
- That Home Loan Hub
From OCR Swings To Smart Mortgages: A 2025 Property Recap
The most useful lessons rarely arrive as breakthroughs—they show up as steps you can actually follow. We’re wrapping a year of learning with a clear path from…
- That Home Loan Hub
How To Choose An Investment Fund You Can Sleep With At Night
Ever picked a fund based on a vibe—then watched your balance dip and felt your stomach drop? We unpack how to build a risk profile that survives real life, not…
- That Home Loan Hub
Choosing Between Property And Managed Funds In New Zealand
Ready for a real-world showdown on where to put your next dollar? We dive into the tug-of-war between buying property and investing in managed funds, unpacking…
- That Home Loan Hub
How To Choose A Better KiwiSaver Provider
Think your bank’s “low fees” mean better results? The five-year data tells a different story. We pulled back the curtain on KiwiSaver performance after fees…
- That Home Loan Hub
Choosing Between Shares, Index Funds, And Managed Portfolios For Real Goals
Want a clear way to choose between stock picking, index funds, and managed portfolios without getting lost in jargon? We bring Elizabeth back to map three…
- That Home Loan Hub
From Five Dollars To A Future: How Tiny Investments Build Wealth
Think you need a big lump sum to start investing? We’re taking a sledgehammer to that myth and showing how tiny, repeatable steps can build real wealth. With…
- That Home Loan Hub
From Side Hustle To Studio Homes
A budget roadblock turned into a design career, a studio, and an award-winning project. Meet Sam MacArthur of Wild Bird Interior Design, who transformed a DIY…
- That Home Loan Hub
Budget Hacks For Smarter Renovations
Renovating or building doesn’t have to drain your wallet to deliver a home you love. We sit down with interior designer Sam MacArthur of Wild Bird Interior…
- That Home Loan Hub
EQC Claims, LIM Surprises, And Getting A Mortgage In New Zealand
Ever seen a “bargain” home that comes with an EQC claim, missing insulation, and a nervous insurer? We dig into real listener scenarios and show how fast a…
- That Home Loan Hub
From Sales Plans To Smart Homes: The Real Value Of An Architect
Ever stepped out of the shower and realised your front door frames your bedroom to the street? We start with that jolt of real-life design failure and build…
- That Home Loan Hub
Reverse Mortgages, Explained Clearly
Too many families face the same quiet stress: parents are rich on paper but short on cash, while adult children plan around an inheritance that may never…
- That Home Loan Hub
How Planning Ahead Eases Grief For The Ones You Love
Grief arrives fast; chaos doesn’t have to. We open up about a recent loss and the unexpected relief that came from one simple gift: everything was organised…