That Home Loan Hub podcast

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Konten disediakan oleh Zebunisso Alimova. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Zebunisso Alimova atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang diuraikan di sini https://id.player.fm/legal.

Lost Cultures: Living Legacies

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Bermuda: The Crossroads of the Atlantic 51:57

10 hari yang lalu51:57

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51:57

On the Season 2 debut of Lost Cultures: Living Legacies , we travel to Bermuda, an Atlantic island whose history spans centuries and continents. Once uninhabited, Bermuda became a vital stop in transatlantic trade, a maritime stronghold, and a cultural crossroads shaped by African, European, Caribbean, and Native American influences. Guests Dr. Kristy Warren and Dr. Edward Harris trace its transformation from an uninhabited island to a strategic outpost shaped by shipwrecks, colonization, the transatlantic slave trade, and the rise and fall of empires. Plus, former Director of Tourism Gary Phillips shares the story of the Gombey tradition, a vibrant performance art rooted in resistance, migration, and cultural fusion. Together, they reveal how Bermuda’s layered past continues to shape its people, culture, and identity today. You can also find us online at ⁠travelandleisure.com/lostcultures Learn more about your ad choices. Visit podcastchoices.com/adchoices…

That Home Loan Hub

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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 of property together!

70 episode

#Trading #Business #Podcasting Education #Zebunisso Alimova #Homeloan #Investing #Money #Saving #Finance #Income #Morgage

That Home Loan Hub

updated sekitar 18 jam yang lalu

Beranda serial•Feed

70 episode

#Trading #Business #Podcasting Education #Zebunisso Alimova #Homeloan #Investing #Money #Saving #Finance #Income #Morgage

Semua episode

1
Breaking the 20% Deposit Myth 5:02

18 hours yang lalu5:02

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Tired of the endless saving cycle while watching home prices continue to climb? You're not alone. Many Kiwis believe they need a 20% deposit to enter the property market—a seemingly impossible hurdle that keeps pushing the dream of home ownership further away. But what if I told you this widely accepted "truth" is actually one of the biggest myths in New Zealand real estate? As a mortgage advisor who's helped hundreds of families secure their first homes, I'm pulling back the curtain on low deposit options that could transform your housing journey. The reality is far more promising than most realise—with pathways to property ownership requiring as little as 5-10% deposit. From Kāinga Ora's First Home Loan scheme for those with just 5% saved to mainstream banks that will consider 10% deposits, and even non-bank lenders offering flexibility on credit history and income types, the opportunities extend well beyond what most buyers imagine. Through real client stories, including a single mother who went from an 8% deposit to homeowner in Levin (later refinancing with a mainstream bank), I break down exactly how these alternatives work, who qualifies, and what you need to prepare. Yes, buying with a lower deposit comes with considerations like higher repayments and certain fees—but weighed against the wealth-building potential of property ownership versus continued renting, many find it's a risk worth taking. Whether you're considering your first home purchase or know someone who believes they're locked out of the market, this episode provides the strategies, tips, and encouragement needed to move forward with confidence. Ready to stop letting the 20% myth hold you back? Let's explore what's truly possible for your situation. Send us a text 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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Rentvesting: The Unconventional Path to Property Ownership 4:38

1 day yang lalu4:38

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Feeling priced out of your dream neighbourhood? You're not alone. Across New Zealand, aspiring homeowners face the harsh reality of skyrocketing property prices in our most desirable cities. But what if there's another path to property ownership that doesn't require million-dollar mortgages or sacrificing your lifestyle? Rentvesting – renting where you live while investing in property elsewhere – is changing how Kiwis think about entering the property market. This approach makes perfect sense when you break it down: Why stretch yourself financially to buy in Wellington, Auckland or Queenstown when you could maintain your current lifestyle while building wealth through property in more affordable regions? Picture continuing to rent your perfect apartment close to work, friends and favourite cafés, while simultaneously owning a cashflow-positive investment property in places like Palmerston North, Levin or Invercargill. The beauty of rentvesting lies in its flexibility and financial strategy. Your tenants help pay your mortgage while you build equity and potential capital growth. For many first-home buyers, young professionals, families waiting for the right school zone timing, and new migrants, this approach provides an achievable entry point to the property ladder. While there are important considerations – managing both rent and mortgage payments, understanding investment loan structures, tax implications, and landlord responsibilities – many find the benefits outweigh these challenges. I've seen this strategy transform the financial trajectory for clients who thought homeownership was years away. One professional Wellington couple, frustrated by local prices, purchased a modern, tenanted townhouse in Whanganui while continuing to rent in the capital. Today, they're building equity and planning their second investment property. Remember, renting isn't "throwing money away" if you're using that time to grow your wealth elsewhere. Curious if this could work for you? Let's run the numbers together and explore what's possible for your property journey. Send us a text 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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Navigating Co-Ownership: The Ins and Outs of Buying Property with Others 4:08

3 hari yang lalu4:08

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The property ladder feels impossibly steep for many Kiwis, but what if you didn't have to climb it alone? We explore the increasingly popular strategy of buying property with friends or family – a potential shortcut to homeownership that comes with both opportunities and risks. Pooling resources can transform the impossible into the achievable. By combining deposits, incomes, and sharing ongoing costs, co-ownership might just be your ticket onto the property ladder years ahead of schedule. But as we unpack in this episode, money changes relationships, and clarity becomes the ultimate form of kindness when property and friendship mix. We dive deep into the critical elements of successful co-ownership: choosing between joint tenancy and tenants in common, crafting a comprehensive co-ownership agreement that addresses everything from routine expenses to major renovations, and understanding the sobering reality that banks view co-owners as a package deal – your friend's financial history becomes yours too. Through a real-life success story of Wellington friends who navigated co-ownership correctly, we highlight how proper planning transformed potential conflict into a stepping stone toward building a property portfolio. Perhaps most importantly, we emphasize the necessity of planning your exit strategy before you enter. Life circumstances change – marriages, relocations, career shifts – and having clear provisions for valuation, buyout options, and conflict resolution protects both your investment and your relationships. Ready to explore whether property co-ownership might work for you? Listen now, then share with someone you might consider buying with – it could be the conversation that changes both your financial futures. Send us a text 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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No Means "Not This Way": A Mortgage Advisor's Guide to Rejection 3:53

4 hari yang lalu3:53

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Receiving that dreaded home loan rejection can feel like the end of your homeownership dream, but take heart—it's actually just a detour on your journey. This episode dives deep into the realities of loan application declines and offers a roadmap to navigate beyond that initial "no." We explore the most common reasons banks decline applications—from credit history issues and income instability to existing debt burdens (yes, even those unused credit cards count against you!) and insufficient deposits. You'll learn why panicking and applying to multiple lenders afterwards is one of the worst moves you can make, and what strategic steps will actually improve your position. The value of working with a mortgage advisor goes far beyond finding better interest rates. I share how we develop personalised strategies based on your unique circumstances, identify lender flexibility, and create actionable plans that transform rejections into approvals. I'll tell you about Maria, a single mum running her own business who went from major bank rejection to homeowner in just four months through strategic planning and finding the right lender match. Remember, a banking "no" is simply a signal that you need a different approach—it's never a final verdict on your homeownership dreams. If your application was declined, don't carry that burden alone. Subscribe to The Home Loan Hub for more insights, and reach out if you need guidance turning your mortgage rejection into approval. Your future home is still waiting for you. Send us a text 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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Don't Panic: Your Complete Guide to Mortgage Decisions in 2025 6:21

8 hari yang lalu6:21

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Navigating your mortgage refix in 2025 doesn't have to be overwhelming. This expanded episode dives deeper into strategic approaches that could save you thousands, following up on our popular checklist episode that prompted numerous listener questions. Timing is everything when it comes to mortgage decisions. Discovering your fixed term end date too late can mean automatically rolling onto high floating rates around 8%, costing hundreds extra per fortnight. Give yourself 6-8 weeks before your expiry date to explore options properly. And here's something crucial to remember: your bank's default refix offer is rarely their best. Those who negotiate—or have a mortgage advisor negotiate for them—often secure better rates that banks don't advertise upfront. With economists predicting gradual rate decreases, many homeowners are rethinking traditional approaches. Rather than locking in long-term fixed rates at potentially market peaks, more clients are choosing shorter one or two-year terms to maintain flexibility. A particularly effective strategy is splitting your mortgage across different fixed periods—like fixing half for one year and half for two years. This creates a hedging effect, reducing your risk exposure while allowing you to respond more nimbly to market changes. It's a sophisticated approach your bank likely won't suggest unprompted. Before making any decisions, run through our comprehensive checklist: assess your current financial situation and upcoming expenses, ensure you have an emergency buffer, consider major life changes on the horizon, compare offers across lenders, and honestly evaluate your risk comfort level. Your mortgage is likely your biggest financial commitment—it deserves careful consideration rather than a fear-based, one-click decision. Need personalized guidance? Message us for our free printable checklist or join our fortnightly Thursday webinars by commenting "webinar" for the link. Send us a text 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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The Essential Mortgage Refix Checklist for 2025: What You Need to Know Before Your Rate Expires 3:36

9 hari yang lalu3:36

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Refixing your mortgage might seem like a mundane financial task, but it's actually one of the most critical moments in your homeownership journey. A well-planned refix strategy can save you thousands of dollars and provide the flexibility you need for future goals. Our 2025 Mortgage Refix Checklist breaks down everything you need to consider before signing on the dotted line. We start with the basics – knowing your current fixed term end date and understanding potential break fees – then dive deeper into how your current financial situation should influence your decision-making process. Has your income changed? Are major expenses on the horizon? Do you have adequate emergency savings? These factors significantly impact which mortgage structure will serve you best. Beyond just comparing interest rates, we explain the strategic advantages of splitting your loan across different terms and how to negotiate with your bank for better deals. Most homeowners don't realize banks rarely offer their best rates upfront! We share insider tips on asking for cashbacks, fee waivers, and rate discounts that could substantially reduce your overall costs. Plus, we highlight the importance of aligning your mortgage decisions with future plans like selling or refinancing to avoid costly break fees. Think of mortgage refixing as giving your finances a Warrant of Fitness – it's the perfect opportunity to review not just your home loan but your entire financial picture including insurances and KiwiSaver. Want a copy of our comprehensive checklist? Reach out or comment, and don't forget to join our fortnightly Thursday webinars for more valuable financial insights that put you in control of your money. Send us a text 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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NZ Property Market 2025: Stabilization After the Storm 3:50

10 hari yang lalu3:50

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Are Kiwi house prices finally turning a corner in 2025? After weathering an 18% decline from the 2021 peak, the market is showing tentative signs of stabilization with national average prices inching up 0.2% to $903,000. But does this modest growth signal a recovery worth betting on? The regional story reveals fascinating contrasts across New Zealand. Auckland values slipped 0.1% to $1.2 million – welcome news for potential buyers but concerning for homeowners hoping for capital gains. Meanwhile, Queenstown prices remain stratospheric at $1.81 million despite a slight dip, highlighting how location continues to dictate market dynamics. These variations emphasize why understanding your local market is crucial before making property decisions. What's driving these changes? Major financial institutions are cautiously optimistic, with forecasts ranging from ASB's bullish 9.4% growth prediction to the Reserve Bank's more conservative 3.79%. Interest rate cuts (down 175 basis points since August) are providing breathing room for borrowers, though housing affordability remains a significant hurdle for many Kiwis. The persistent housing shortage continues to prop up prices despite economic headwinds. For potential buyers weighing their options, this could represent an opportunity – if you're financially prepared and secure in your employment. Join us every fortnight for our webinar where we dive deeper into these trends and answer your pressing property questions. Your smart financial decisions start with staying informed. Send us a text 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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Beyond the Headlines: What Budget 2025 Means for Your Financial Future 3:53

11 hari yang lalu3:53

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The 2025 Budget has arrived in Aotearoa, and regardless of your political leanings, its implications for homeowners and prospective buyers deserve your attention. Moving beyond economic jargon, this episode delivers a practical breakdown of what Budget Week means for your mortgage, KiwiSaver, and home ownership dreams. We dive straight into the pressing question: will this budget make buying a home easier or harder in New Zealand? The answer hinges on several factors, particularly how the budget might influence interest rates. If government spending restraint helps cool inflation, the Reserve Bank might lower rates faster – good news if you're about to refix your mortgage or enter the market. Conversely, increased infrastructure spending could keep rates higher for longer, creating a very different scenario for buyers and homeowners alike. First-home buyers might feel overlooked in the current budget landscape. With the First-Home Grant discontinued last year and no adjustments to house price caps or KiwiSaver incentives, meaningful support for aspiring homeowners appears limited. Perhaps most fascinating is how budget announcements influence bank lending behavior beyond official interest rates. Strong government investment in jobs and income support could ease strict servicing criteria, while economic uncertainty typically results in tighter lending conditions – we've seen this pattern play out repeatedly in recent years. My advice for navigating post-budget realities: stay informed about upcoming OCR announcements, prepare your position if you're planning to buy (sort your deposit, clean up your credit, talk to an advisor), and focus on financial resilience if you already own. While this budget won't transform everything overnight, it establishes important precedents for the housing market. Subscribe to my fortnightly Thursday webinar where I'll continue unpacking how these economic shifts affect your property and financial goals! Send us a text 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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Balancing Act: How a Lifestyle Property Sale Changed Everything 11:53

12 hari yang lalu11:53

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What happens when a mortgage advisor faces his own property and financing challenges? In this refreshingly honest conversation, James returns after a brief hiatus to share his journey of selling the lifestyle block he's called home for 20 years. The decision didn't come lightly. After two decades in the countryside, James found himself spending 20 hours weekly just driving, with endless property maintenance consuming his remaining free time. With growing clarity about his true priorities—building his mortgage advisory business and pursuing his passion for cycling—James recognized something had to change. The story unfolds as both a personal journey and a masterclass in modern property transitions. Despite being a mortgage professional himself, James encountered the very challenges many of his clients face: securing financing with commission-based income when traditional banks prove reluctant. His solution came through a second-tier lender offering a competitive interest-only loan that actually reduced his monthly payments while he establishes his commission income. Perhaps most remarkable was James's property preparation strategy. After tackling the daunting task of decluttering a home occupied for two decades (including renting storage for his "hoarder" wife's possessions), the house sold after just one open home—a testament to thoughtful presentation. "It's about making your weak points better, making it as clean and decluttered as possible, and then ensuring your key points are on show," James explains. Through this experience, James gained invaluable perspective that enhances his ability to guide clients through similar transitions. His journey reminds us that sometimes the greatest wealth comes from reclaiming your time and aligning your living situation with your true priorities. Have you ever considered how your current property fits your evolving life goals? Send us a text 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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From Financial Chaos to Homeownership: How Debt Consolidation Changed Everything 4:58

13 hari yang lalu4:58

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Financial magic happens when you look beyond the obvious. We've just transformed a young couple's future by saving them over $500 every month through strategic debt consolidation – an outcome that dramatically altered their homeownership possibilities. Most clients approach us thinking we exclusively handle mortgages, but our comprehensive financial approach means examining your entire financial picture. This couple had scattered debts across multiple lenders – personal loans with Avanti, car financing through MTF, and various credit cards – all with interest rates exceeding 20% in some cases. By consolidating everything into one manageable loan with an interest rate 9% lower than their previous arrangements, we not only simplified their financial landscape but created significant monthly savings. The magic truly revealed itself in the second stage of our process. That $500 monthly saving translated to approximately $100,000 in additional borrowing capacity for their home loan. Instead of settling for a $700,000 property 30 kilometres from their preferred location, they could now afford an $800,000 home in their desired school zone, close to work and community activities. This isn't just about numbers – it's about quality of life and making dreams accessible. If you're carrying personal loans, car loans, or credit card debt while aspiring to homeownership, join our free Thursday webinar where we'll demonstrate exactly how these savings translate to increased borrowing capacity. Comment "webinar" to receive the link and discover how debt consolidation might be the key to unlocking your dream home. Your financial breakthrough could be just one conversation away. Send us a text 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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From Offer to Acceptance: Understanding Live Deals in Home Buying 5:46

14 hari yang lalu5:46

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Navigating the property market as a first-time buyer can feel like learning a new language. One term you'll need to master quickly? "Live deals." Most major banks have implemented strict rules refusing pre-approval applications for buyers with less than 20% deposit, creating a challenging situation for many aspiring homeowners. The solution? Understanding how to create and leverage a live deal to get your mortgage application prioritised. We break down exactly what constitutes a live deal: a Sales and Purchase Agreement that's been signed by both you and the property vendor. This seemingly simple document transforms your theoretical interest into a time-sensitive transaction that banks take seriously. Once the vendor signs your offer, the countdown begins - typically giving you 10-15 working days to secure financing if you've included the crucial "subject to finance" condition. The value of working with a mortgage advisor early becomes clear as we explain how they can prepare your application to be "99% ready" before you even find a property. When you do find your potential home, they'll help navigate the offer process, highlight the urgency to banks, and potentially connect you with solicitors who'll review your first offers at no cost. For first-home buyers feeling overwhelmed by the current market, we've got you covered. Join our free First Home Buyer webinar this Thursday evening to ask your specific questions and learn more about the practical steps to homeownership. Comment "webinar" to receive the registration link and take your next step toward owning your first home in New Zealand. Send us a text 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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The 10-Day Wait: Is Working With a Mortgage Advisor Still Worth It? 9:54

15 hari yang lalu9:54

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The mortgage landscape is shifting dramatically with banks now challenging advisors on their traditional strengths of service and turnaround times. We dive into a fascinating case study of siblings buying identical properties – one going direct to a bank with same-day approval, the other using an advisor and waiting 10+ days for identical rates and cashback. This real-world example perfectly captures the current tension in the home loan market. Beneath this surface-level comparison lies a deeper story about value. While banks excel at processing standardised applications quickly, mortgage advisors provide a comprehensive service that extends far beyond a single transaction. Drawing on our combined experience from both sides of the industry (having worked in major banks and as independent advisors), we reveal what happens behind the scenes when working with an advisor – the multiple lender options considered, the personalised strategies developed, and the continuous professional development required to stay current with all lenders' criteria and products. The relationship factor proves especially crucial for first-time buyers and those planning to build a property portfolio. When clients need guidance at 9pm on a Sunday after viewing their dream home, or when they're looking to access special rates that could save thousands of dollars, the value of having a dedicated advisor becomes crystal clear. While banks operate within strict business hours with frequently changing staff, advisors build lasting relationships that span multiple property purchases over many years. For those weighing up which path to take, we're hosting a free webinar this Thursday specifically for first home buyers where we'll address these differences and share practical tips for getting onto the property ladder. Comment "webinar" to register and join us as we help demystify the home buying process and show you how to position yourself for success in today's competitive market. Send us a text 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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The $2,000 House-Hunting Mistake You're About to Make 7:31

16 hari yang lalu7:31

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Ever wondered why mortgage advisers caution against making cash offers? This candid conversation pulls back the curtain on a common property market misconception that can leave first-home buyers thousands of dollars out of pocket before they've even secured a property. We dive deep into what constitutes a "cash offer" - not literally paying cash, but making an unconditional offer with no contingencies. For first-home buyers with deposits under 20%, this approach carries significant hidden costs. Between registered valuations (up to $1,500) and legal due diligence fees, you could easily spend $2,000 before knowing if your offer will be accepted. Multiply that across several rejected offers, and you're looking at a substantial dent in your hard-saved deposit. But the risks extend beyond financial considerations. We explore the emotional investment that comes with property hunting - how buyers envision their future lives in potential homes, from raising children to planting gardens. This emotional attachment makes rejection even more painful when an unconditional offer isn't accepted. As we explain, our caution against cash offers isn't about being difficult - it's about protecting both your wallet and your heart during what's already a stressful journey. Knowledge truly is power in the property market. Whether you're a first-time buyer or looking to upgrade, understanding the implications of different offer strategies can save you thousands and prevent unnecessary heartache. Want more insights? We're running a free webinar this Thursday packed with essential tips and tricks. Comment "webinar" for your invitation link and take the next step toward making informed property decisions that work for your unique situation. Send us a text 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…

25 weeks yang lalu31:28

31:28

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 Byron Bay, offers a unique perspective on embracing change and pursuing one's dreams amidst the chaos of COVID. Chelsea's tale of selling possessions and embracing minimalism with her partner, prioritizing experiences over material wealth, is a testament to the power of intentional living. In this episode, Chelsea takes us through the creation of her serene retreat sanctuary, nestled in a rural setting filled with nature's calming sounds. Despite financial constraints and personal challenges, Chelsea's passion for wellness and retreats shines brightly. As she discusses her future plans of hosting retreats in picturesque locations like Martinborough and Kapiti Island, Chelsea beautifully blends Māori and Eastern wisdom to create transformative experiences. Her call for real estate agents to join her in finding the perfect land for expansion highlights her ongoing commitment to growth and community. Our conversation with Chelsea also touches on the courage required to step away from traditional lifestyles and the importance of gratitude amidst life's challenges. We reflect on balancing work, passion, and family, living authentically beyond social media's curated images, and showing support to one another in the face of hidden struggles. Chelsea's hopes of relocating closer to Wellington to ease daily commutes and continue her journey of growth and fulfilment drive home the profound message of living a life true to one's values. Join us as we express our gratitude for Chelsea's insights and extend a heartfelt thank you to our listeners for being part of this enlightening episode. Chelsea's Details https://www.remindrituals.nz/ 027 348 4831 Send us a text 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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