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
AI, Architecture, And The Human Touch
Fear about AI replacing architects is loud, but the reality is more nuanced and far more useful. We sit down with architect Micah Ricards to map where AI makes…
- That Home Loan Hub
How A Tiny Wellington House Became A Smart, Award-Winning Home
What if your home could do more with less? We sit down with architect Micah to unpack the craft of designing compact spaces that feel generous, from clever…
- That Home Loan Hub
OCR Outlook And Your Mortgage Now
Big headlines say the OCR fell, but your bank rate barely budged. We open the bonnet to show why: lenders price off wholesale markets and move ahead of Reserve…
- That Home Loan Hub
How To Navigate Mortgage Stress And Debt With A Clear Plan
Money pressure builds quietly—then feels impossible. We open up about what we’re seeing across New Zealand households right now: families juggling higher refix…
- That Home Loan Hub
Credit Defaults, Wrongly Lodged
The scariest words in a mortgage journey aren’t “interest rates rising.” They’re “default recorded.” We walk through a real case where a couple kept up with…
- That Home Loan Hub
Why Switching Banks Now Could Put Thousands In Your Pocket
Want thousands back when you switch or buy? We break down the rare 1.5% cashback offers rolling out across major New Zealand banks and show how to capture the…
- That Home Loan Hub
OCR Preview: Will Rates Finally Ease?
A quarter of a point can feel tiny until it touches your mortgage, your savings plan, and your next move on the ladder. We break down the looming OCR tweak…
- That Home Loan Hub
How NZ Pension And Australia’s Super Stack Up For Your Future
Think NZ Super guarantees an easy retirement? The safety net is real, but comfort requires more than a minimum KiwiSaver contribution. We sit down with…
- That Home Loan Hub
From Loss To Long-Term Security: A Guide For Young Widows Managing Life Insurance
A life insurance payout can feel like a lifeline and a landmine at the same time. We open up a candid case study of young widows navigating sudden financial…
- That Home Loan Hub
Banks Read Your Power Bill, So Maybe Don’t Bounce It
Missed payments aren’t always about low income; they’re often about bad timing. We dive into the practical steps that keep your credit score clean and your…
- That Home Loan Hub
What A 2027 Capital Gains Tax Could Mean For Buyers, Renters, And Investors
Headlines say capital gains on investment property could arrive from 1 July 2027. We dig into what that timing might do to behaviour: investors bringing sales…
- That Home Loan Hub
OCR Call: Why A 0.25 Cut Matters Now
Rates are moving, budgets are stretched, and the clock is ticking toward the 26 November OCR call. We dig into why a 0.25 cut is back on the table, how…
- That Home Loan Hub
How To Buy Your Parents’ House With Gifted Equity
Want a faster, cleaner path onto the property ladder without scraping together a 20% cash deposit? We dive into the growing strategy of buying your parents’…
- That Home Loan Hub
From Separation To Settlement: A First-Home Journey That Changed A Family’s Future
What does it take to turn a tough season into a turning point? Jordan, a heavy diesel mechanic and single dad of twins, opens up about buying his first home…
- That Home Loan Hub
Why KiwiSaver Balances Make It Easier To Buy Your First Home Now
Want the truth about timing your first home without the hype? We dig into why the current market is surprisingly kind to first-time buyers: fewer bidding wars…
- That Home Loan Hub
Three Smart Money Moves After Buying Your First Home
Send us Fan Mail Support the show Looking to buy your first home or an investment property? If either of these is on your mind, check out the details and…
- That Home Loan Hub
How A Blended Kiwi Family Bought A First Home In Their 60s
What happens when your rent looks a lot like a mortgage, but lenders keep saying no? We sit down with Mark to unpack how he and Shelly went from casual work…
- That Home Loan Hub
Healthy Habits On A Budget
A black belt in progress, a shared birthday, and a mission to help families thrive—this conversation with Lucy Edwards of Lucy Nutrition blends heart, humour…
- That Home Loan Hub
Council Rates Can’t Be Fixed, But Your Mortgage Can
A 50 basis point cut just landed, floating rates slid, and yet those four and five-year fixes barely blinked. We unpack the why behind that mismatch…
- That Home Loan Hub
My Shares Doubled And All I Got Was A New Kitchen
Markets don’t wait for permission slips. We open with a candid look at why agriculture and some NZX names are surprising on the upside, and how those signals…
- That Home Loan Hub
How NZ Retirement Villages Signal The Next Housing Cycle
Markets have a way of whispering before the economy speaks. We zoom into New Zealand’s most telling tickers—retirement village operators and a key challenger…
- That Home Loan Hub
How The Right Insurance Turned A Crisis Into A Lifeline For A Young Family;
A single night out changed everything for a self-employed dad-to-be—until a well-structured plan kicked in. We sit down with adviser Blake Sutton to unpack how…
- That Home Loan Hub
Clear Medical Disclosure Today Prevents Heartache Tomorrow
One small omission on an insurance form can snowball into a denied claim when you need help most. We dive into the real meaning of disclosure for…
- That Home Loan Hub
Should You Buy A Home Privately? Clear Pros, Hidden Risks, And Smarter Steps
Hate open homes and bidding wars? We take a clear-eyed look at private home purchases and map out when they shine and when they sting. From tenant-to-owner…
- That Home Loan Hub
Flood Risk, Insurance Pullbacks, And First-Home Lending On New Zealand’s West Coast
Buying a home on New Zealand’s West Coast sounds simple until you try to secure insurance, line up a valuation, and satisfy your finance clause—all while…
- That Home Loan Hub
From First Keys To Forever Home: Choosing Practicality Over Perks
The dream of a glossy first home is powerful—until the repayments start calling the shots. We take an honest look at the fork every first-home buyer faces…
- That Home Loan Hub
What Banks Really Check When You Build A House
Want a warm, efficient new home without a cold shock at settlement? We pull back the curtain on how lenders actually assess build loans and what it takes to…
- That Home Loan Hub
From nursing to finance: Elizabeth Moloney Geany on building confident, custom money plans for women and families
Most money rules weren’t written with women’s lives in mind. That gap shows up at retirement, in the middle of a separation, or when confidence takes a hit…
- That Home Loan Hub
Names, Numbers, Dates: First-Home S&P Basics
Buying your first home can feel like learning a new language under pressure, and the sale and purchase agreement is where that pressure peaks. We open the…
- That Home Loan Hub
What would you do with $1,200 extra each month?
Rates are finally drifting down—and the numbers are a game changer. We take a real $700k mortgage, drop the rate from 7% to 4.49%, and show how repayments…
- That Home Loan Hub
Inside AIA’s New Specialist & Testing Cover: Real Options When Full Health Insurance Is Too Pricey
A cough, a reality check, and a genuinely helpful shift in health cover design. We dig into AIA’s new specialist and testing support add‑on—a smarter way to…
- That Home Loan Hub
When Your First Home Isn't Your Forever Home: Lorraine's Story
Stepping up the property ladder presents unique challenges compared to buying your first home – a reality Lorraine Peterson knows firsthand. Having sold her…
- That Home Loan Hub
To Break or Not to Break: The $8,000 Question
Are you trapped in a high fixed-rate mortgage while watching interest rates tumble? The financial sting of being locked into rates around 7% until 2028 or 2029…
- That Home Loan Hub
Your Parents Couldn't Buy a Home, But You Absolutely Can
What happens when you grow up hearing "people like us don't own homes"? That limiting belief gets passed down through generations, creating invisible barriers…
- That Home Loan Hub
Should You Let Your Friend Build Your Dream Home?
Wondering whether to build your dream home with a friend or go with a major construction company? You're not alone. The unexpected financial implications of…
- That Home Loan Hub
New Zealand's Real Estate Reality: Prices Drop Despite Lower Interest Rates
The housing market continues to present challenges across New Zealand despite conditions that should theoretically stimulate growth. Median house prices have…
- That Home Loan Hub
First Home Dreams: Overcoming the Fear of Not Being Ready
What's holding you back from homeownership? Fear? Uncertainty? The belief that you're simply not ready? In this heartfelt episode, we unpack a common…
- That Home Loan Hub
Predicting the OCR Cut
Ready for a financial shakeup? The Reserve Bank's upcoming October 8th OCR announcement has the mortgage market buzzing with anticipation. What started as…
- That Home Loan Hub
The $95 Million Insurance Surge: What You Need to Know
Money well spent or down the drain? That's the question many Kiwis ask about their insurance premiums. The answer becomes crystal clear when you learn that…
- That Home Loan Hub
Why Your Life Insurance Premium Doesn't Have to Increase as You Age
Wondering why your life insurance premiums keep climbing every year? There's a better way! Rebecca, our insurance specialist, reveals the power of level life…
- That Home Loan Hub
Insurance vs Self-Insurance: What's Your Plan?
Could you save a million dollars for medical expenses if disaster struck tomorrow? This revealing conversation challenges the popular notion that…
- That Home Loan Hub
The Underinsurance Crisis: Why 70% of Kiwis Are Taking Risks
What would happen to your family if you couldn't work tomorrow? That's the confronting question at the heart of our discussion about New Zealand's…
- That Home Loan Hub
Trust Issues: Can Insurance Companies Be Trusted?
Ever wondered if insurance companies really have your back when disaster strikes? Our latest conversation with Rebecca, The Homlon Hub's resident insurance…
- That Home Loan Hub
The Parent Visa Puzzle: Finding Insurance Solutions for Families
Bringing parents to New Zealand just got more complicated. The government's new extended parent visa offers families the chance to reunite for up to five years…
- That Home Loan Hub
The OCR is dropping - here's why that matters to homeowners.
The financial landscape for Kiwi homeowners is shifting dramatically as interest rates continue their downward trend. In our latest discussion, we dive deep…
- That Home Loan Hub
Preparing for the Great Baby Boomer Inheritance Wave
Money talk makes most people uncomfortable, but ignoring the elephant in the room won't prepare you for what's coming. The largest generational wealth transfer…
- That Home Loan Hub
Prepare Now or Struggle Later: New Zealand's Aging Population Problem
The retirement landscape in New Zealand is changing dramatically, and what we've taken for granted may not be there when today's workers reach their golden…
- That Home Loan Hub
AI Revolution: Adapt or Fade Away
The technological landscape is shifting beneath our feet at unprecedented speed. Fresh from attending the New Zealand Shareholders Association conference, we…
- That Home Loan Hub
Beyond the Deposit: Three Critical Post-Purchase Priorities
The exhilarating moment when you receive the keys to your first home marks just the beginning of your homeownership journey. After the champagne toast and…
- That Home Loan Hub
From Sleepless Nights to Financial Freedom: Tackling Consumer Debt
Drowning in debt doesn't have to mean the end of your homeownership dreams. Our latest conversation tackles the often overwhelming challenge of high-interest…
- That Home Loan Hub
From Rugby Legends to Dance Floors: Our Team's Award-Winning Conference Experience
Fresh from winning the "Most Engaged Team" award at our national conference, mortgage advisor James Buchanan shares valuable insights that directly impact…
- That Home Loan Hub
The Hidden Costs and Considerations of New Home Construction
Dreaming of building your perfect home? Before you break ground, you need to understand how banks approach new builds differently from established properties…
- That Home Loan Hub
When Your House Is Your Only Asset: Understanding Home Equity Release
Looking to make the most of your retirement years but find yourself house-rich and cash-poor? Our latest deep dive into reverse mortgages might just offer the…
- That Home Loan Hub
KiwiSaver: Your Secret Weapon for Home Ownership
Ready to take the plunge into home ownership? You might be surprised to learn that right now could be your golden opportunity. Professor Buchanan joins us to…
- That Home Loan Hub
Women in Finance: Changing Lives Beyond the Numbers
What does football have to do with financial freedom? Everything, according to our latest conversation with Khounch about recent industry conferences that left…
- That Home Loan Hub
Money in Your Pocket: The Sweet Spot in Wellington's Housing Market
The financial landscape in New Zealand is shifting in fascinating ways following the recent 0.25% drop in the Official Cash Rate. After years of climbing…
- That Home Loan Hub
Your landlord might be willing to sell you your home right now.
Ready to transform your rental situation into homeownership? You might be closer than you think. The current economic climate has prompted many landlords to…
- That Home Loan Hub
From 5% Deposit to Homeowner: Success Stories with Jordan
Ready to challenge everything you thought you knew about getting on the property ladder? Mortgage advisor Jordan returns to That Home Long Half to share…
- That Home Loan Hub
Navigating the Challenges and Rewards of Home Construction in Today's Market
Building your dream home shouldn't keep you up at night, yet for many Kiwis, the prospect has become increasingly daunting. With construction costs soaring and…
- That Home Loan Hub
Navigating Mortgage Approval During Relationship Breakdown
Financial separations are challenging enough—add self-employment to the mix, and you're facing a uniquely complex situation. This episode dives deep into a…