That Home Loan Hub

Zebunisso Alimova
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  • Investing
  • Updated Weekly

Welcome to That Home Loan Hub, your ultimate guide to mastering the world of home loans and property. I'm Zebunisso Alimova, here to simplify the complexities of real estate and provide you with expert insights and the latest trends. Whether you're a first-time homebuyer, an experienced investor, or simply curious about the property market, this podcast is for you. Join me each week as we unlock the secrets to property success and help you make informed decisions. Let's dive into the world of property together!

  1. 18h ago

    Business Development That Turns Busy Into Productive

    She wears “100 million hats”, but the through-line is clear: Helene Judge builds plans that help people move from busy to genuinely productive. We sit down with the founder of Kapiti Business Projects to unpack what business development looks like in real life, especially for sole traders and small business owners who are stuck in delivery mode and struggling to step back far enough to see what’s next. We also get the inside story of the Kapiti Food Fair, from its early days to becoming a major Kapiti Coast consumer event that people lock into their calendars as a family highlight. Helene shares what it takes to plan an outdoor festival across an entire year, how vendor success and entertainment fit together, and why the team thinks of themselves as being in the “happiness business”. We talk funding, measurable return on investment, and the wider economic impact when visitors travel from Wellington and the lower North Island to spend locally. The chat goes wider too: resilience in a tough economy, budgeting for the quiet months, the psychology of December spending, and the pressure young people face with the rising cost of study and the pull of Australia. We finish with a practical reality check on technology and AI for business, including how tools like Microsoft Copilot can help, and why you still need to read, verify, and use your own judgement. If you got value from this, subscribe, share it with a business owner who needs a fresh plan, and leave a review so more New Zealand listeners can find the show. Send us Fan Mail Support the show Buy your first home in NZ Weekly Webinars  You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

  2. 1d ago

    Property Management Without The Guesswork

    If you’ve been doom-scrolling property headlines and wondering whether to buy, hold, sell, or just wait for the election to pass, this chat will steady your footing. We’re joined by Sandy Dodson, Head of Business Development at Wolfbrook Property Management, who works across markets from Auckland to Dunedin and sees what landlords, tenants, and investors are actually dealing with day to day. We talk frankly about the current New Zealand rental market and why “waiting for certainty” can become expensive indecision. Sandy explains what she’s seeing with investors still purchasing, the rise of accidental landlords who can’t sell in a softer market, and why big policy shifts rarely hit overnight. From there we tackle a topic lighting up Wellington right now: water rates arriving without water meters and how that can feel unfair when household usage is unknown. We unpack a practical way to think about fixed charges versus usage, and how to keep tenant relationships intact while the region figures out the long-term solution. Compliance is a major theme too, especially Healthy Homes Standards and the gap between excellent property management and the shonky end of the industry. We get into training, inspection quality, accountability, burnout in property management, and why education sometimes needs to be as basic as showing people how to care for a home. Sandy also shares hard-earned lessons about getting rentals filled fast: presentation and price, and why the market won’t pay premium rent for average quality. If you want a clearer, calmer view of property investment, rental compliance, and how to protect your asset while treating tenants fairly, press play. Subscribe, share this with a landlord mate, and leave a review. What’s the one rental issue you want us to unpack with real numbers next? Send us Fan Mail Support the show Buy your first home in NZ Weekly Webinars  You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

  3. 2d ago

    How Cam Calkoen Builds An Opportunity Mindset

    Life can feel heavy when you’re stuck replaying the same story about what you can’t do. We wanted a conversation that cuts through that fog, so we brought in Cam Calkoen, an Auckland-based celebrity public speaker who was born with cerebral palsy and still built a life packed with sport, travel, family, and stages around the world. What stands out is not “perfect positivity”, but a practical, repeatable way of choosing a better focus when things get tough.  We talk about Cam’s “backpack of belief” and how many of us carry assumptions that never belonged to us in the first place. You’ll hear how connection in the school playground becomes a template for confidence later on, why reflection can be as useful as consuming more self-help, and how attention drives energy. We also get real about social media comparison, the curated highlight reel, and the simple discipline of asking: what can I control right now?  Cam shares a defining rejection story from the United States that could’ve ended his career, and exactly how he turned it into fuel by getting coaching, improving his content, and staying in the game until the opportunity arrived. We also unpack how he builds memorable speeches like an album, plus a side-track into AI tools, productivity, calendars, and managing “too many dreams” without burning out. If you’re looking for mindset, resilience, motivation, public speaking insights, and grounded personal development from a New Zealand lens, this one will land.  If this resonates, subscribe, share it with a mate who needs a lift, and leave us a review so more people can find the show. Send us Fan Mail Support the show Buy your first home in NZ Weekly Webinars  You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

  4. 3d ago

    How The Kainga Ora Partnership Scheme Really Worked

    A scheme designed to help New Zealanders into home ownership got so popular it shut down, and we still cannot find clear public numbers on how many people actually got over the line. That mystery is where we start, because “hundreds” is not the same as transparency and it leaves buyers, advisers, and taxpayers guessing about what worked and what didn’t.  We break down the Kainga Ora Partnership Scheme in practical terms: shared equity, up to 25% co-ownership, and a buyout period that can stretch years. Then we get blunt about the part that can sting later, the buyback. If Kainga Ora owns a fixed percentage, you are buying back a percentage of the home’s market value, not a fixed dollar figure. When prices rise, the cost to regain full ownership can rise with them, which is why we talk timing, strategy, and the option to buy back shares in portions when your income or equity improves.  We also cover the trade-offs people don’t always expect: co-ownership can mean extra oversight, including needing permission for changes to the property, and buyouts can involve negotiations around market value. To finish, we zoom out to current lending myths and reality in NZ, including reminders that some buyers can still enter the market with a 5% deposit in the right scenario, and that investors sometimes have options with new builds too.  If this raised questions for you, listen through and share it with someone trying to buy their first home. Subscribe for more straight-talking NZ mortgage and property chats, and leave a review so more Kiwis can find the show. Send us Fan Mail Support the show Buy your first home in NZ Weekly Webinars  You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

  5. 4d ago

    Your Next Refix Should Match Your Life Plans;

    Your refix date is coming up and the internet has a thousand confident answers. The problem is none of them know what your next 6 to 18 months actually looks like and that’s the part that can make or break a mortgage decision in New Zealand.  We sit down with Khouanchai Adams to talk through how we approach a home loan refix when interest rates are moving and the OCR outlook is uncertain. Rather than fixing based on a headline rate, your neighbour’s strategy, or generic AI advice, we look at the bigger picture: job changes, travel plans, marriage, retirement timing, KiwiSaver access, and whether selling or moving to Australia could be on the cards. Those details shape whether you need flexibility, certainty, or a mix across different fixed terms.  We also dig into a common trap: refixing one loan in isolation when you’ve got other splits rolling off in six or twelve months. That staggered exposure can leave your budget vulnerable if rates rise again, so we explain how we think about protecting repayments and keeping cashflow predictable. Finally, we lift the lid on why adviser help can be free, what the bank commission really looks like, and the compliance and admin that sits behind a simple refix recommendation.  If your mortgage refix is coming up, listen, then reach out, subscribe, share the episode with a mate who’s refixing soon, and leave us a review so more Kiwis can make calmer money decisions. Send us Fan Mail Support the show Buy your first home in NZ Weekly Webinars  You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

  6. 5d ago

    Kapiti Coast Market Numbers

    Waikanae Beach posts the highest average sale price for June 2026, but the real headline is what sits behind the numbers: volume, RV performance, and a winter shortage of good stock. We sit down with Megan to break down the latest Kapiti Coast property market data suburb by suburb, including Waikanae, Waikanae Beach, Paraparaumu Beach, Paraparaumu Central, Raumati Beach, and Raumati South, and we talk honestly about what the stats can and cannot tell you when there are only a handful of transactions.  We dig into average sale prices and the percentage above or below RV (rateable value), including why Waikanae can sit slightly under RV while other pockets still push above it. Then we zoom out to the bigger market mechanics: fewer listings coming on in winter, plenty of motivated buyers still looking, and how that demand and supply imbalance can create real opportunities for sellers with warm, well-presented homes. If you’ve been wondering whether now is the right time to list in Raumati, the answer depends on stock, and June’s data shows just how tight it is.  On the buyer side, we share a set of winter house-hunting checks you can do in minutes: visit after heavy rain, look for ponding and flooding, check for mould risk, watch for weeping windows, and take your shoes off to feel whether the floor is insulated. We also explain what “days on market” looks like across the Kapiti Coast right now and how many campaigns shift from unpriced marketing to a clear price once buyer feedback comes in, which can be reassuring if you’re a first home buyer nervous about auctions.  If you found this useful, subscribe, share it with a Kapiti local, and leave a review so more buyers and sellers can find the data and the practical tips. Send us Fan Mail Support the show Buy your first home in NZ Weekly Webinars  You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

  7. 6d ago

    Declutter For Better Listing Photos

    Your listing photos are doing more selling than you think and sometimes it’s the tiniest, most normal household habits that quietly wreck a great shot. We’re back with a playful but genuinely useful countdown of the top 10 things Megan removes from clients’ real estate photography before a home goes live online, because buyers scroll fast and clutter gives them an excuse to click away. We start with easy wins that make a kitchen look expensive and spacious: ditch the tea towel on the oven door, clear the benchtops, and keep the focus on clean surfaces and storage. From there we get into what makes rooms feel smaller in photos, like rugs covering new carpet and crowded drawers and shelves that pull the eye everywhere except the room’s size. If you’re selling a house, these quick decluttering and home staging tweaks can lift your property marketing without spending a cent. Then we hit the spots where real life shows most: coat racks, shoe piles at the front door (very Kiwi), and windowsills that photographers may need clear so they can handle light and sky edits. We also talk “controversial” items and privacy, including why it’s smart to remove family photos and anything that identifies your job or routine. And yes, we go fully bathroom-specific, from toilet mats to the item Megan removes from almost every home, plus the great toilet roll over-or-under debate. If you found this helpful, hit subscribe, share it with a mate who’s about to list, and leave us a review so more Kiwi sellers can find the show. Send us Fan Mail Support the show Buy your first home in NZ Weekly Webinars  You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

  8. Aug 5

    You Can Get A House Ready To Sell Without Spending Big

    Buyers don’t only buy space, they buy the feeling that a home has been looked after. That’s why we’re obsessed with the unglamorous winter jobs that quietly change everything: the tiny DIY fixes, the fresh-clean cues, and the kerb appeal upgrades that make someone slow down on a drive-by and book an open home. We kick off with a nod to How To Dad and that classic Kiwi DIY energy: you don’t have to be an expert, you just have to finish the little things you’ve been stepping over for months. We talk practical, high-ROI tasks for preparing your house for sale in New Zealand, from skirting and touch-ups to replacing a tired letterbox, refreshing interior window sills, and giving the front door some love. Then we get into cleaning that buyers notice instantly, especially bathrooms. Clean grout, less mould, and a brighter “fresh” look can shift how people judge the whole property within seconds. We also share a surprisingly effective smell hack using baking soda (tested after a brutal coffee spill), plus why curtains matter more than most sellers think. Outside, we cover water blasting driveways and paths, moss and mould treatment for slippery areas, and why you should be careful on timber decks. Finally, we talk staging psychology, pet hair quick-fixes, and even the rise of neighbourhood kids offering to help with lawns and odd jobs when you’re short on time or energy. If you want a realistic checklist for winter home maintenance and spring selling prep, hit play, then subscribe, share it with a mate who’s selling, and leave us a review. What’s the one job you’ll tackle first? Send us Fan Mail Support the show Buy your first home in NZ Weekly Webinars  You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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About

Welcome to That Home Loan Hub, your ultimate guide to mastering the world of home loans and property. I'm Zebunisso Alimova, here to simplify the complexities of real estate and provide you with expert insights and the latest trends. Whether you're a first-time homebuyer, an experienced investor, or simply curious about the property market, this podcast is for you. Join me each week as we unlock the secrets to property success and help you make informed decisions. Let's dive into the world of property together!

Information

  • Creator
    Zebunisso Alimova
  • Years Active
    2024 - 2026
  • Episodes
    316
  • Rating
    Clean
  • Copyright
    © 2026 That Home Loan Hub
  • Show Website
    That Home Loan Hub

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