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That Home Loan Hub

Zebunisso Alimova

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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 o ...
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The Successful Adviser by James McCracken

James McCracken interviews today's most inspiring and successful advisers & entrepreneurs 5 days a week with inspiration from leading advisers including Pat Flynn , Tim Ferriss, Seth Godin & Tony Robbins

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Journey Of The Successful Adviser is created for you - the adviser, the entrepreneur, and those aspiring to be one. If you're looking for inspiration, education and empowerment to help you keep moving toward your goals, whether you're on the way to work, on the way home, or during your 'down time', James McCracken brings you real-life stories of triumph and tribulation from many of today's most inspiring advisers and entrepreneurs. Each episode ends with the PD ROUND, where guests share nugg ...
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In my years as a real estate agent — I’ve seen one single unifying theme that seems to rear its ugly head in almost every single transaction — Fear. Fear of the market — “Is now the right time to buy?” Fear of making a mistake — “What if there’s something wrong with the house I want to buy?” And, yes, even fear of Realtors themselves, “What if I pick someone that won’t protect me?” It paralyzes people from taking any sort of action. Rather than POTENTIALLY making some sort of error, they pre ...
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What happens after you've settled on your dream home? The journey doesn't end when you get the keys - that's just the beginning of a whole new chapter in your homeowner story. Most new homeowners don't realize that the cashback they received from their bank comes with strings attached. For typically three years after settlement, switching lenders m…
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From the moment your offer goes unconditional to the day you receive your keys, there's a crucial window of opportunity to make decisions that will shape your homeownership journey for years to come. This eye-opening episode pulls back the curtain on what happens after the excitement of having your offer accepted, revealing the essential steps that…
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Navigating the property purchase journey involves critical moments that can make or break your homeownership dreams. The moment your offer goes "unconditional" represents one of the most significant commitments you'll make in the process—yet many buyers remain confused about what this actually means. We unpack the crucial distinction between going …
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Found a house you love but not sure what happens next? The excitement of house hunting can quickly turn to confusion when it's time to make an offer. In this practical episode, we demystify the crucial steps between getting pre-approval and making an offer on your dream home. House hunting should be fun, not stressful! We share actionable tips to s…
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Stepping into the mortgage pre-approval process can feel like navigating a maze without a map. What exactly happens after you receive that coveted pre-approval letter from your bank? This episode demystifies the journey between pre-approval and property purchase, breaking down the crucial conditions you'll need to satisfy. We tackle one of the bigg…
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Ready to step onto the property ladder? Our latest episode demystifies the first critical step every aspiring homeowner needs to understand: pre-approval. As we've seen a surge in first-home buyer inquiries, we're breaking down the entire home purchasing journey into digestible episodes, starting with the foundations. Pre-approval isn't just paperw…
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A startling revelation emerged from my trip to the Financial Advisor New Zealand conference in Christchurch – most Kiwis aren't getting professional financial advice. While our counterparts in Australia, the UK, and Canada regularly seek financial guidance, New Zealanders tend to rely on casual advice from "Uncle Bob at the barbecue" or friends at …
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Mortgage relief or savings squeeze? The April 9th OCR announcement looms large with significant implications for Kiwi households. We're predicting a modest 0.25% drop, which could provide welcome breathing room for the mortgage holders currently floating and waiting for the right moment to fix. The impact of this anticipated change cuts both ways a…
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Ready to make your home more energy efficient or purchase an electric vehicle without the financial strain? Our latest conversation dives into the world of green loans – a game-changing financial option that's flying under the radar for many Kiwis. We explore how these specialized loans offer dramatically reduced interest rates – as low as 0-1% com…
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Wrapping up the financial year with tremendous gratitude and celebration! Join us as we reflect on a year of remarkable achievements and growth for our mortgage advisory team. The numbers tell an inspiring story: over 200 families have found their pathway to homeownership through our services, with more than $70 million in loans settled despite man…
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Discover the untapped potential of Second Chance KiwiSaver – a lifeline for Kiwis who've previously used their KiwiSaver for a home purchase but had to sell due to circumstances beyond their control. We dive deep into how this program works and who qualifies, with a focus on real-world application. The heart of this episode is an inspiring success …
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The highly publicized "cashback wars" between banks have many Kiwi homeowners wondering how to claim their share of advertised $20,000 incentives. But what's the real story behind these attention-grabbing headlines? We break down exactly how mortgage cashbacks work, revealing the often-overlooked mathematics behind these offers. While $20,000 sound…
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A forgotten classic is making a comeback. Robert Kiyosaki's Cashflow Quadrant - the framework that revolutionized how a generation viewed wealth creation - remains as relevant today as it was 25 years ago when it first captivated eager minds seeking financial independence. James Shears breaks down this powerful concept with crystal clarity, explain…
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Dreaming of that second property purchase but unsure if your numbers add up? Our candid conversation tackles the often misunderstood relationship between property equity and income requirements that determines your true buying power. Through a practical example based in Waikanae, we dissect the crucial difference between perceived equity and usable…
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Michael Tresch from Southern Cross Partners pulls back the curtain on how property investors can access capital when banks turn them away. With over two decades of experience in non-bank lending, Michael shares invaluable insights into an often-overlooked corner of New Zealand's property investment ecosystem. For anyone who's had a bank decline the…
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Property inheritance creates a surprising legal maze that many first-time home buyers don't see coming until it's too late. We dive into a listener's real dilemma when Jackie discovered her carefully laid plans to use KiwiSaver for her first home purchase might be derailed after unexpectedly inheriting property. The moment your name appears on a pr…
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Navigating family financial relationships can be tricky, especially when it comes to helping children purchase their first homes. Our conversation with mortgage advisor Khounch dives deep into the modern reality of parent guarantors - a topic that affects thousands of families trying to help the next generation onto the property ladder. The guarant…
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The gap between knowing about money and actually managing it well is wider than most people realize. In this enlightening conversation with financial expert James, we unpack the crucial difference between financial literacy and financial capability—a distinction that explains why even finance professionals sometimes struggle with their personal fin…
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Navigating the path to homeownership involves more financial considerations than many Kiwis realize. While you're busy saving for a deposit and checking interest rates, something as seemingly innocent as your Afterpay account could be silently working against you. We dive deep into the world of Buy Now, Pay Later services – those convenient, intere…
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What makes financial advice truly valuable in today's world? Nick Hakes, CEO of Financial Advice New Zealand, brings global perspective and fresh insight into how advisors help Kiwis navigate their financial journeys toward better lives. Nick shares his fascinating journey from working in Australia's financial sector to Southeast Asia before return…
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Auckland or Wellington? Where can Kiwis actually afford to buy a home? We dive deep into the startling affordability gap between New Zealand's two major urban centers, comparing hard data that reveals which city gives homebuyers more bang for their buck. Drawing from 2024 Infometrics statistics, we unpack the critical metrics that matter to potenti…
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Budgeting is often dismissed as a dull subject, yet it holds the key to achieving your financial dreams. We dive into the core elements of budgeting in this episode, emphasizing that understanding your income and expenses is the foundation for financial stability. We'll explore various strategies for tracking spending, whether through traditional m…
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Are you aware of the crucial role credit scores play in securing your dream home? In our latest episode, we discuss everything you need to know about credit scores, including how they are calculated and what lenders truly look at while evaluating these numbers. With a credit score being a fundamental aspect of the home-buying process in New Zealand…
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Are you a first-time buyer contemplating whether now is the right time to enter the property market? We delve into this crucial decision as we explore the benefits of owning a home versus continuing to rent. Many first-time buyers can enter the market today with just a 5% deposit, making it more accessible than ever before. Given the current climat…
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Get ready to dive deep into the essential process of calculating net worth. This episode explores how knowing your financial position can clarify your decisions and help shape your future. We break down the simple formula of assets minus liabilities, making it easy for you to assess where you stand and where you want to go. Through engaging discuss…
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Join us in this enlightening episode as we delve into the world of financial empowerment with Terri Watson of the Healthy Wallet Project. Terri's compelling story showcases how she transitioned from financial despair to a fulfilling career dedicated to helping women gain financial confidence. She opens up about her family’s financial struggles and …
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Ready to make sense of the latest Official Cash Rate drop? In this episode, we dive deep into how the recent 50 basis point cut can significantly impact homeowners and those considering buying a house. This is more than just numbers—it’s about real people and their financial futures. As we break down the implications of falling interest rates, we t…
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Discover the remarkable journey of Khouanchai Adams, an award-winning ex-banker who transformed her life from a refugee to a passionate advocate for financial literacy and empowerment in our latest episode. Khouanchai shares her authentic story, illustrating how experiences shaped her view on finances and motivated her to fight for underprivileged …
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Join us as we explore James Buchanan's journey from teaching English to investing and mortgage advising, highlighting the importance of financial literacy, budgeting, and long-term planning. James shares practical insights and personal stories that underscore the significance of understanding finances for creating a secure and fulfilling life. • Th…
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When it comes to recruiting mortgage brokers to help you build your firm, Tim Barnard has his finger on the pulse. Whether you are looking to hire a salaried or contract broker, there are a number of considerations to ensure you select the right talent and provide them with the tools and means to set them up for success so they produce win-win outc…
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Join us in an inspiring conversation with Lisa Budny, a passionate real estate photographer and videographer from Sundays Real Estate, whose journey from family photography to real estate is nothing short of transformative. Lisa shares her unique insights into the art of showcasing homes, revealing how the nuances of each property fuel her creative…
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With a passion for data and property, it’s no surprise that Roxi Becker is now supporting the 3rd party channel in her role at CoreLogic. In this interview, Roxi provides a brief time of her career and what brought her to Australia and current gig. From there, we discuss key tools that brokers can use to help them with their client acquisition, ret…
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Discover the essential strategies for safeguarding your assets and ensuring smooth transitions for your loved ones in our conversation with Polina Kozlova, director of PK Law. As a specialist in private client law, Polina unpacks the critical importance of contracting out agreements and shares her expert insights on the complexities of estate plann…
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As a well known authority and buyer’s agent for commercial property investors, Steve Palise has also purchased more than 1,000 residential properties for his property investing clients. This of course makes him well positioned to share his knowledge and experience and pay it forward to brokers and consumers alike. With a professional background in …
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Eight years ago, a serendipitous encounter over Russian books in New Zealand sparked a friendship and a remarkable story of resilience and success. Meet Anastasia Bennett, whose journey from dishwasher hand to a thriving business owner is nothing short of inspiring. She opens up about her move from Russia in 2003, her early struggles with language …
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There's no question Blake Buchanan would be one of the most trusted and respected leaders in the mortgage and finance industry. Having started in the industry over 20 years ago as a broker and subsequently moving into distribution and aggregation, he has accumulated significant knowledge and wisdom, which he imparts in this interview. Some of our d…
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What happens when a seasoned expert uses cutting-edge technology to unravel the mysteries of property inspections? Join us as Trevor Garrett from Red LBP shares his remarkable journey from earning a master's degree in the UK to transforming the building inspection industry in New Zealand. With his leadership, Red LBP has grown from its roots in Chr…
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Unlock the secrets to financial success as a self-employed homebuyer with our special guest, Belinda, who boasts 25 years of chartered accounting expertise. Discover how to make your financial statements shine in front of banks and learn the importance of having a skilled accountant to guide you through the murky waters of financial planning. We pr…
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Join us for an engaging conversation with Michael Seymour, the visionary force behind Tall Poppy, as he shares his inspiring journey from the world of pharmacy to revolutionizing real estate in New Zealand. Discover how for Michael, a chance enrollment in pharmacy school by his mother unearthed a natural flair for business and a desire to question …
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Ready to revolutionize your real estate journey? Join us as we sit down with Zoe Degotardi, a trailblazer, who is redefining the industry through the power of social media. Discover how Zoe expertly maneuvers platforms like TikTok and Instagram to reach potential buyers across all age groups, creating a dynamic shift from traditional print media to…
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Discover the transformative journey of Catherine from Stonewood Homes, as she navigates from offender rehabilitation to making significant strides in the building industry. With her unique perspective and a passion for crafting dream homes, Catherine, alongside her husband, offers a personalized home-building experience like no other. Our conversat…
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What if the path to owning your first home could be as transformative as learning to dance? Join us as we uncover the inspiring story of Dario, an Argentine gardener who turned his dreams into reality in New Zealand. Despite facing financial hurdles, Dario's journey took a hopeful turn when he met Zebunisso, a remarkable mortgage broker who saw pot…
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Imagine facing a tough choice—buy a house or start a business. That’s the crossroads our guest, Ben Playford, found himself at in 2015. Choosing to pursue an entrepreneurial journey, Ben’s story is one of persistence and grit. This episode takes you through his determined fight to overcome homeownership challenges, even as countless mortgage broker…
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What if you could create a life that seamlessly blends passion, wellness, and minimalism? Chelsea Lou, owner of Remind Rituals, shares her inspiring journey from a beauty and massage therapist to a holistic wellness advocate on the stunning Kapiti Coast. Her story, marked by a transformative yoga teacher training experience at Krishna Village in By…
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What happens when a career in retail and people management transforms into a thriving venture in real estate? Join us as we explore Georgie Bydder's remarkable journey from Voyle & Co Realty. Together with her husband, Hayden Walker, Georgie shares how the family-centric values of their company have seamlessly aligned with their personal lives, cre…
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Discover the inspiring story of Shauna Campbell, who traded her calculator for keys to co-own Avery Rentals, a property management business. From her compelling leap from accounting to property investment, Shauna reveals her pursuit of financial and time freedom, offering a treasure trove of wisdom for those eager to embark on a similar path. Tune …
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Join us as seasoned real estate expert Hayden Walker from Voyle & Co shares his 17-year journey through the highs and lows of the market. From navigating the chaos of the Global Financial Crisis to finding balance in a post-COVID coastal lifestyle, Hayden's story is one of resilience and adaptation. Working alongside his wife Georgie, Hayden discus…
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Passionate lawyer and director at the Law Connection, Tracey Pervan, unveils her inspiring journey from TV-inspired dreams to a thriving legal career while sharing unique insights into the New Zealand legal landscape. Join us as Tracey reflects on the increasing presence of women in law, the importance of seasoned professionals, and the balance bet…
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Ever wondered how a real estate agent transitioned from a partnership with a videographer and a professional golfer to successfully running his own business? In our latest episode, Karl Matakatea from Sold on Kapiti takes us through his unique career path on the Kapiti Coast. We explore the innovative social media strategies he uses to captivate hi…
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What if a leap of faith at 63 could redefine your career and passion? That's exactly what Cathy Myers did, as she transitioned from a successful career in financial services to the vibrant world of real estate. Join us for a heartfelt and inspiring conversation as Cathy shares her journey, driven by a love for homes and a desire to help people. Her…
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