That Home Loan Hub

Zebunisso Alimova

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. 1d ago

    The Energy Diary Method For Sustainable Productivity

    You can have the perfect calendar and still feel wrecked by 3 pm. That’s the problem we dig into with Heather Hutchings, a long-time business coach who now works as the “Energy Architect”, helping people design their days around how their energy actually rises and falls. The shift is confronting and freeing at the same time: time is finite, but your energy is rechargeable, and pushing through every dip is often the reason you end up exhausted. We talk through the practical side of energy management and productivity, including how to keep an energy diary for just a week to spot your real peak hours, not the ones you think you “should” have. Heather explains why avoiding hard tasks quietly drains you, why interruptions can cost far more than you realise, and how small resets like a short walk, hydration, a screen break, or a change of environment can bring your brain back online. We also get into boundaries that protect your focus, including simple ways to communicate availability without damaging client trust. If you lead a team or run a business, we explore how a leader’s unmanaged energy becomes everyone’s culture, and how flexible rhythms and smarter meeting design can lift output and morale. For working parents, we talk guilt, quality time, and why looking after yourself is not selfish when it helps you show up better for the people you love. We even tackle the link between money stress and depletion, and why focusing on doing the work well often creates better financial flow. If you got value from this, subscribe, share the episode with a friend who’s running on empty, and leave a review so more New Zealand business owners can find it. What’s one boundary you’re ready to set this week? 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. 5d ago

    AI That Tries To Please You

    AI is moving faster than our judgement, and that’s exactly when mistakes get expensive. We sit down with Aucklander Tim Warren, a technology entrepreneur and AI keynote speaker who has worked across software, finance, and applied AI, to cut through the hype and talk about what’s actually happening when you prompt ChatGPT, Gemini, or Claude. Tim breaks AI down in plain terms: a lot of modern “AI” is statistical computing, not deterministic computing, which means it can give answers that sound right without being reliable. We dig into why generative AI often optimises for your satisfaction rather than the truth, why it can be wildly confident while hallucinating details, and why Tim compares it to an intelligent, hyperactive teenage intern. If you’ve ever wondered why AI can write a slick paragraph but fumble a mortgage calculation or give shaky medical guidance, this will click. From there we get practical. We share a simple rule for everyday decision making: does it matter if this is wrong? If it does, keep a human in charge. We also talk safe places for AI adoption in New Zealand businesses, like marketing experiments and early stage customer support, plus the bigger picture of AI governance, regulation, and why “cool” tech thinking can push people into risky shortcuts. If you found this useful, subscribe for more future focused conversations, share it with a mate who’s using AI at work, and leave a review so more Kiwis can find it. 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. 6d ago

    Sustainable High Performance For Modern Work Brains

    Stress doesn’t just happen to us, we practise it. And in a world of phones, pings, packed diaries and constant “just one more thing”, that practice quietly rewires the brain until calm starts to feel out of reach. We sit down with Kristy von Minden, founder of Mind Bright and one of New Zealand’s leading workplace wellbeing and sustainable performance voices, to unpack what’s really going on beneath burnout, distraction and that relentless sense of being “on”. Kristy shares her own path from a high-flying corporate career to chronic back pain, insomnia, anxiety and depression, including major spinal fusion surgery, and the surprising shift that helped her recover: mindfulness and meditation grounded in neuroscience. We talk neuroplasticity in plain language, why the fight flight freeze response becomes the default at work, and why your best thinking disappears the moment stress takes over. If you’ve ever wondered why you can’t remember what was said in a meeting when you’re stressed, this will click. We also get practical: one-minute breathing resets (including how to breathe with your belly and extend the exhale), phone-free walks, mindful colouring, movement to clear stress hormones, and how to build real “white space” so your brain can process information. Kristy explains ultradian rhythms (the 90-minute focus cycle), how to plan around energy peaks and slumps, and how to make change stick using a simple habit loop and an eight-week approach. We even touch on teaching kids emotional regulation, and Kristy’s relaxed values-based relationship with money. If you want sustainable high performance without sacrificing your health, relationships and life outside work, press play. Subscribe for more conversations like this, share the episode with someone who needs a reset, and leave a review so more people can find the tools. What’s one small change you’ll try this week? Kristy has shared some helpful resources from our conversation for anyone who would like to explore these ideas further: Four-Dimensional Wellbeing Audit A simple self-assessment from Kristy’s Secrets of Sustainable High Performance workshop. Rate each area from 1 to 10: PHYSICAL I feel vital, have good stamina, feel energised and sleep well. MENTAL I feel calm, creative and resourceful, with clarity and focus. EMOTIONAL I am self-aware, emotionally regulated, resilient and socially connected to others. INTERNAL I feel a sense of purpose, motivation, fulfilment and progression. Once you have your scores, consider: Which dimension could benefit most from your attention right now, and what is one small action you could take this week to improve it? Belly Breathing to Promote the Relaxation Response A guide to using one of the simplest tools available to help regulate the nervous system, shift out of the stress response and activate the body’s natural relaxation response: https://mymindbright.com/blog-2/2017/11/28/just-breathe-our-bodys-own-inbuilt-stress-reliever-ajtfp Meditation Apps Calm: https://app.www.calm.com/meditate Headspace: https://www.headspace.com/headspace-meditation-app Insight Timer: https://insighttimer.com/ Mindfulness: Finding Peace in a Frantic World For those interested in using mindfulness to help retrain patterns associated with chronic stress, anxiety or pain: https://franticworld.com/mindfulness-apps/ Mindful Colouring A free mindfulness colouring book that can be printed and used as a simple way to slow down and give your brain a break: https://www.betweensessions.com/wp-content/uploads/2014/02/mindfulness-coloring-book-4_25-16.pdf Wellbeing Workshop Kristy also mentioned Nicola from Wellbeing Workshop during this conversation and recommended her as a helpful resource for wellbeing support. Website: https://www.wellbeingworkshop.co.nz/ Email: Nicola@wellbeingworkshop.co.nz 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. Oct 1

    You Cannot Predict The Future, But You Can Prepare For It

    The future is already influencing your decisions, even if you never call it “foresight”. We talk with New Zealand strategic foresight practitioner and futurist Victoria Mulligan about how to stop treating the future like a single unknowable thing and start using it as a practical tool for better strategy, better leadership, and calmer decision-making. We get into AI, but not in a hype-driven way. Victoria explains why predicting what AI will do next is far less useful than understanding capability overhang: the reality that today’s tools can already transform workflows, job design, and customer experience, even if no new models ship tomorrow. We also unpack the “missing link” behind low AI value in many organisations, and the four human strengths that make the difference: deep knowledge, wide knowledge, taste, and agency. From there we zoom out to megatrends and what they mean for Aotearoa New Zealand, including demographic change and how it will reshape financial services and consumer expectations. We also cover “critical ignoring” as a survival skill in an attention-poor world, plus a simple starting move any business owner can implement today: write down your assumptions, then stress test them before disruption removes your options. If you want practical scenario planning, better questions, and a mindset shift that replaces fear with curiosity, this one is for you. Subscribe, share it with someone who is feeling overwhelmed by change, and leave a review with the one assumption you are going to test this week. Want to explore some of the ideas Victoria mentioned in our conversation? Here are some of the resources she recommends: Future Scenarios for Aotearoa New Zealand: Click here Victoria Mulligan: Click here Futures FAQ: Click here The Futures Workshop: Click here Futures Thinking Resources | NZ Government: Click here 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. Sep 30

    Rent-To-Buy Done Right

    The housing crisis hits hardest in the gap that no one seems built to serve: people who work hard, pay rent on time, and still cannot pull together a deposit or meet bank servicing rules. We’re joined by Nic Green, CEO of Habitat for Humanity Central Region, to map a practical pathway through that gap using progressive home ownership in New Zealand, including a rent-to-buy model that helps families build stability first and ownership next. We talk through how Habitat’s approach actually works on the ground: moving into a home Habitat has built or acquired, paying rent while getting support with budgeting and debt, then shifting into a deferred settlement sale and purchase agreement. Nic explains why buying a home at an earlier price point can be life changing, how KiwiSaver can fit into the plan, and why capital and supply are the biggest constraints on scaling affordable housing. We also get real about the trade-offs: you cannot oversubsidise every household, so you have to match the right model to the right barrier. From there, the conversation widens into the housing continuum. We cover critical home repairs funded through interest-free microfinance, a growing community rental portfolio including options for older people, and Ready to Rent training that helps people move from emergency housing into the private rental market with more confidence and better tenancy outcomes. Nic also makes a clear case for long-term, bipartisan housing policy and for building homes that are fit for purpose, not just fit for a spreadsheet. If you care about housing affordability, rent-to-buy, community housing providers, or the future of home ownership for Kiwi families, you’ll get practical insight and a few uncomfortable truths. Subscribe, share this with someone stuck on the deposit hurdle, and leave a review with your biggest question about progressive home ownership. 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. Sep 29

    Kapiti Coast Market Snapshot

    The Kapiti Coast property market can feel “busy” and “tough” at the same time, and August’s numbers explain why. We sit down with George Love to unpack the latest real estate statistics suburb by suburb, looking at listings, sales, average days to sell, and how sale prices are tracking against RV (rateable value). If you’re buying, selling, or simply watching the market, these are the practical signals that cut through the noise. We start in Paraparaumu, where the volume of stock creates real choice and gives buyers room to be picky, even while well-presented homes still achieve strong outcomes. From there we compare Paraparaumu Beach, including what it means when the average sale sits under RV, and why price expectations and property condition matter more when buyers have options and building reports carry extra weight. Then we move through Waikanae and Waikanae Beach, where the contrast between higher supply and tighter beachside stock shows up clearly in days to sell and pricing momentum. We also get into a surprisingly useful detail: where “Beach” starts and ends, and how postcodes and local definitions can influence perception. Finally, we touch on Raumati South and Raumati Beach, and why small numbers of sales can throw averages around, plus a grounded take on whether the election changes the market or mainly changes confidence. If you want a clear snapshot of the Kapiti Coast housing market and what it suggests for first-home buyers, movers, and vendors, press play. Subscribe, share this with a local mate, 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

  7. Sep 28

    A First Home Buyer’s Guide To New Zealand Property Auctions

    Auctions can turn even the most level-headed first home buyer into a bundle of nerves, especially when the vendor won’t accept a pre-auction offer and you’re left facing the auction room. We’re joined by George to demystify how New Zealand property auctions actually work, and how to walk in with a plan instead of panic. If you’ve ever thought “What do I do if I freeze, bid too much, or miss my chance?”, this chat is for you. We talk through the real options around pre-auction offers, including the often-missed detail that you can resubmit offers, and when a strong offer might convince a vendor to pull a property from the auction campaign. From there, we get into auction strategy and psychology: setting a firm budget, choosing whether to bid early or build slowly, and how the timing of your bids can influence other buyers. We also share what good support looks like on the day, from having an agent sit with you and track bids, to using a simple note-taking system that stops you losing the numbers in the heat of the moment. We don’t skip the unglamorous but crucial parts either: deposit expectations, why auctions can be costly upfront if you need a valuation, and when banks may insist on your own builder’s report rather than relying on the vendor’s. We explain reserve price, how vendors stay in control, and how a conditional offer can sometimes sit in the background as a fallback. If you’re buying a home in NZ and auctions are on your shortlist, you’ll leave with clearer next steps and fewer unknowns. Subscribe, share this with a mate who’s house hunting, and leave us a review, what’s the one part of auctions you want us to unpack 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

  8. Sep 27

    How To Make A Conditional Offer More Appealing

    Losing out on homes because your offer looks “too hard” is brutal, especially when you’re a first home buyer trying to tick every box the bank and your lawyer require. We kick off with a real question from Facebook: finance condition (15 working days), KiwiSaver, valuation, builder’s report, and a LIM report, then multiple declined offers with the hint that the conditions are the problem. So what can you change without putting yourself in danger? We get practical about KiwiSaver timing, because this is where many buyers accidentally make their offer slower than it needs to be. If KiwiSaver is needed for the deposit when you go unconditional, the withdrawal process and lawyer undertakings matter, and that can shape your deadlines. But if you only need KiwiSaver for settlement, it may not belong in your offer conditions at all. We also talk about why having an adviser or mortgage broker can make a massive difference compared with trying to piece it together from a busy bank conversation. From there we move into what really tightens an offer: strong pre-approval, fast finance sign-off, and realistic planning for the slow bits like valuations and LIM reports. We share typical timeframes, where you can pay for urgency, and what banks actually care about versus what your lawyer is focused on. We wrap with a reminder that vendors sometimes take a lower cash offer simply for certainty and speed, and how you can compete by being prepared rather than reckless. If this helped, subscribe, share it with a first home buyer mate, and leave us a review so more Kiwi buyers can find it. 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

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!