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.

Carol Costello Presents: The God Hook

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1 | The False Prophet 35:56

13 hari yang lalu35:56

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35:56

In this premiere episode of "The God Hook," host Carol Costello introduces the chilling story of Richard Beasley, infamously known as the Ohio Craigslist Killer. In previously unreleased jailhouse recordings, Beasley portrays himself as a devout Christian, concealing his manipulative and predatory behavior. As the story unfolds, it becomes clear that Beasley's deceitfulness extends beyond the victims he buried in shallow graves. Listen to the preview of a bonus conversation between Carol and Emily available after the episode. Additional info at carolcostellopresents.com . Do you have questions about this series? Submit them for future Q&A episodes . Subscribe to our YouTube channel to see additional videos, photos, and conversations. For early and ad-free episodes and exclusive bonus content, subscribe to the podcast via Supporting Cast or Apple Podcasts. EPISODE CREDITS Host - Carol Costello Co-Host - Emily Pelphrey Producer - Chris Aiola Sound Design & Mixing - Lochlainn Harte Mixing Supervisor - Sean Rule-Hoffman Production Director - Brigid Coyne Executive Producer - Gerardo Orlando Original Music - Timothy Law Snyder SPECIAL THANKS Kevin Huffman Zoe Louisa Lewis GUESTS Doug Oplinger - Former Managing Editor of the Akron Beacon Journal Volkan Topalli - Professor of Criminal Justice and Criminology Amir Hussain - Professor of Theological Studies Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://evergreenpodcasts.supportingcast.fm…

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!

55 episode

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

That Home Loan Hub

updated sehari yang lalu

Beranda serial•Feed

55 episode

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

Semua episode

That Home Loan Hub

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From Survival Mode to Creating Generational Wealth 41:45

1 day yang lalu41:45

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A chance conversation over coffee sparked something magical – the realization that wellness and wealth are not separate paths but beautifully intertwined journeys. Kimmy Tasker, co-founder of Retreat Yourself NZ, shares her remarkable journey from teaching yoga in London's exclusive clubs to facilitating transformative retreats across the globe. What happens when you blend financial wisdom with spiritual wellness? As Kimmy reveals the evolution of her international retreat career, she and Zeba explore the revolutionary concept of their upcoming Limitless Living retreat in Fiji. This isn't just another wellness getaway – it's a profound opportunity to transform your relationship with abundance while reconnecting with your authentic self. The conversation delves into how scarcity thinking keeps us trapped in cycles that don't serve us, while an abundance mindset opens doors to possibilities we can't yet imagine. Through personal stories of overcoming financial hardship and building legacies from scratch, Kimmy and Zeba demonstrate that financial freedom isn't just about money – it's about aligning your energy with your highest purpose. Most relationships struggle or fail because partners lack a common financial language. On this private island retreat, couples and individuals alike will discover how to communicate about money effectively, reset their energetic relationship with wealth, and return home with practical tools for creating lasting abundance. Plus, participants receive three months of follow-up support to implement their insights. Ready to step away from the daily grind, slow down time, and see the complete picture of your financial potential? Learn more about the Limitless Living retreat happening October 24-29, 2023, and discover how combining yoga, meditation, and financial wisdom can transform your relationship with abundance forever. https://www.retreatyourself.nz/ Send us a text Support the show…

That Home Loan Hub

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Your Home Journey Should Never Be Stressful: Kim Tasker's Fresh Perspective 21:57

4 hari yang lalu21:57

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What happens when global experience meets local real estate knowledge? Kimi Tasker of Team Vida Harcourts brings exactly this perspective to the Kapiti Coast property market. Having managed exclusive resorts and sold real estate in Nicaragua before political unrest forced a dramatic change of plans, Kimi's journey eventually led her back to New Zealand where she's now helping buyers and sellers navigate their own property transitions. "Our job is just helping people move on," Kimi explains, capturing the essence of what makes a genuine real estate professional. Whether clients are downsizing, expanding their families, or making any major life transition, Kimi approaches each situation with the calm perspective that comes from having weathered significant pivots herself. This translates into practical advice for today's buyers: get pre-approved financing, know your priorities, but stay open to possibilities that might not initially tick all your boxes. What truly sets Kimi's approach apart is her ability to see value where others might miss it. She encourages buyers to look beyond cosmetic issues and consider strategic improvements, including the often-overlooked value of mature trees and garden potential. "Think about what value a great, big, huge native tree or fruit tree brings to your property," she advises, noting that passion fruit currently sells for $49.99 per kilogram! For investors, she recommends seeking "pearlers" (hidden gems) in unexpected places, particularly areas with new business developments that might drive future growth. Whether you're buying your first home or expanding your investment portfolio, Kimi's fresh perspective reminds us that removing limiting beliefs and staying open to possibilities is key to success in today's property market. Subscribe to hear more unique perspectives on property, finance and lifestyle from those who've lived remarkable journeys and returned with wisdom to share! Send us a text Support the show…

That Home Loan Hub

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How We Helped 11 Families Secure $5 Million in Home Loans This Month 9:46

5 hari yang lalu9:46

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Celebrating mortgage success! Our team has just wrapped up a remarkable April, helping 11 families secure their property dreams with over $5 million in approved home loans. Half of these were first-home buyers taking their inaugural steps onto the property ladder, while 30% were savvy homeowners refinancing for better deals or to fund green home improvements. What makes these successes particularly meaningful are the obstacles we helped clients overcome. Three families who'd been rejected by mainstream banks due to gambling transactions or credit challenges found pathways through second-tier lenders, securing rates around 7.99% – rates that were standard at main banks just last year. For one couple, this meant purchasing their dream home near family who could help with childcare while they rebuild their credit profile. Another family with five children finally secured their own home after years of renting, despite past financial difficulties during periods of unemployment. We also assisted investors capitalizing on market opportunities, like a Christchurch couple who benefited from an oversupply of new builds where builders were cutting prices to move properties. Green home loans provided another avenue of success, with several homeowners accessing specialized financing at 0-1% interest rates for sustainable upgrades like improved insulation, window replacements, and solar panel installations. Even those without substantial equity found opportunities through these programs. The mortgage landscape continues to offer possibilities for those who know where to look. May already promises to match April's success with another 11 families in the pipeline. Whether you're battling credit issues, seeking investment opportunities, or wondering if eco-friendly renovations are within reach, a conversation costs nothing but could change everything. Reach out for a free consultation and discover what's possible for your unique situation – your property dreams may be closer than you think. Send us a text Support the show…

That Home Loan Hub

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The Hidden Dangers of Unconditional Property Offers 8:47

6 hari yang lalu8:47

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The property market is heating up again. Interest rates are dropping, first-time buyers are returning with renewed confidence, and real estate agents are fielding more inquiries. But with this renewed activity comes a concerning trend: buyers being pressured to submit unconditional cash offers to "win" properties. This risky approach to property purchasing deserves closer examination. Making a cash offer essentially means you're locked in - comparable to clicking "buy now" on Trade Me. There's no backing out once committed, even if serious issues emerge with the property. While you might have finance pre-approved, you still need insurance approval, builder's reports, LIM checks, and other critical due diligence steps that shouldn't be rushed or skipped entirely. We believe strongly in protecting our clients from unnecessary risk. One of our guiding principles is simple but powerful: "Don't let the agent's urgency become your urgency." Buying a property is one of life's biggest financial decisions - sometimes even more permanent than marriage! Taking the time to properly investigate a property isn't just prudent; it's essential for your financial wellbeing. We share strategies for navigating auctions effectively, including making post-auction offers and having all your "ducks in a row" before considering unconditional offers. For those determined to make cash offers competitive, we recommend allowing at least ten days for thorough due diligence. Want to learn more about protecting yourself while still being competitive in today's market? Listen now, share your experiences with unconditional offers, and remember to check out our previous episode about going unconditional for even more insights on navigating the property market safely and successfully. Send us a text Support the show…

That Home Loan Hub

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KiwiSaver Drops: What First Home Buyers Need to Know 5:38

7 hari yang lalu5:38

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The KiwiSaver rollercoaster has been particularly steep lately, leaving many first-time home buyers in a precarious position. We're seeing clients lose thousands from their house deposits virtually overnight – one buyer recently watched $5,000 vanish from their KiwiSaver just between loan application and settlement! What can you do if you're caught in this situation? First, review which fund your KiwiSaver is invested in immediately. If you're planning to buy within the next year, conservative or balanced funds typically make more sense than aggressive growth options. Many first-home buyers don't realise they can withdraw their KiwiSaver early through their solicitor, who provides an undertaking to hold funds in their trust account – effectively locking in your current value and preventing further losses before settlement. While market drops create headaches for imminent buyers, there's a silver lining for long-term investors: your regular contributions are now purchasing units at discounted prices – like buying shares on sale! For those years away from needing their KiwiSaver funds, staying calm and continuing regular contributions often makes the most sense, as markets historically recover given enough time. Remember though, everyone's situation is unique, so connecting with qualified KiwiSaver advisors is crucial for personalised advice. Need help navigating these choppy waters? Reach out today and we'll connect you with professionals who can provide the specific guidance you need for your first home journey. Send us a text Support the show…

That Home Loan Hub

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Beyond Settlement: Navigating Your First Year as a Homeowner 10:35

26 hari yang lalu10:35

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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 means repaying that welcome bonus you received. We break down why hasty bank-hopping could cost you more than you think when weighing up lawyer fees against potential benefits. Your mortgage advisor shouldn't disappear after settlement day. We recommend scheduling a check-in six to twelve months later to review your loan structure and ensure everything's working as planned. By this point, you've settled into your new normal - you understand your budget, council rates, insurance costs, and household expenses. This makes it the perfect time to develop strategies for paying down your loan faster and potentially exploring your next property move. For new build owners, we highlight the importance of understanding your warranty coverage - usually a 10-year Master Build guarantee that can save you significant headache and expense when things go wrong. We share a cautionary tale about burst pipes, insurance excesses, and the stark difference between new builds with warranties versus older homes where you're on your own after purchase. The relationship with your mortgage advisor should be ongoing rather than transactional. Though we try to maintain regular contact with all clients, we're honest about sometimes dropping the ball in follow-ups. Don't hesitate to reach out if you haven't heard from us - we're always here to help navigate your ongoing mortgage journey and remember your unique situation in ways that big banks simply can't. Ready to revisit your mortgage structure or discuss your next property move? Get in touch today to ensure your homeownership journey stays on the optimal path for your financial future. Send us a text…

That Home Loan Hub

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Preparing for the Big Move: What Happens Between Going Unconditional and Settlement Day 17:09

29 hari yang lalu17:09

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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 many first-time buyers overlook. We dive deep into the art of structuring your mortgage to fit your unique life circumstances. Should you fix for six months or five years? How can aligning your payment cycle with your payday save your credit score? And why does paying weekly rather than monthly help you chip away at your principal faster? These seemingly small decisions can save you thousands over the life of your loan. Perhaps most powerfully, we share personal stories about the importance of protecting your new investment with appropriate insurance. When one of us lost her father at a young age, her mother had to work three jobs while grieving because there was no financial safety net. This raw, honest conversation highlights why "relying on Give a Little pages is just not good enough" when it comes to securing your family's future. The episode is packed with practical wisdom you won't find in typical homebuying guides: arranging utilities before you move (avoiding the cold shower on moving day!), planning your final inspection, organizing free moving boxes, and the four-box method for efficiently sorting your belongings. Whether you're weeks away from settlement or just beginning your homebuying journey, these insights will help you navigate the process with confidence and foresight. Ready to turn your house into a home without the stress? Listen now, and don't forget to share your own settlement day stories with us online. Send us a text…

That Home Loan Hub

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From Pre-Approval to Property Ownership: Understanding the Unconditional Phase 8:30

4 weeks yang lalu8:30

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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 unconditional and settlement day. Think of unconditional status as your engagement—you've made a serious commitment and legally bound yourself to the purchase, but you haven't yet gotten the keys or moved in. This distinction frequently creates confusion among first-time buyers who don't understand why they're celebrating a purchase they can't yet access. The stakes at this stage couldn't be higher. Once unconditional, backing out means facing potentially severe financial penalties. We share real-world scenarios where circumstances forced buyers to reconsider after going unconditional—resulting in significant financial losses. This isn't meant to frighten you but to emphasize the gravity of this commitment. Practical considerations abound during this phase. Your deposit payment comes due within 24 hours, requiring careful financial planning. If you're using KiwiSaver funds, timing becomes critical as withdrawals take ten working days to process. Similarly, coordinating the end of rental agreements requires foresight to avoid the financial strain of paying both rent and a mortgage simultaneously. We also emphasize the absolute necessity of conducting final property inspections before going unconditional—sharing cautionary tales of flooded properties and tenant damages that have derailed purchases at the eleventh hour. Our insider knowledge helps you navigate potential roadblocks, including how to properly request extensions if bank approvals or other requirements are delayed. These insights come from years of helping buyers through exactly the stressful scenarios most guides never mention. Listen now to ensure your journey from pre-approval to property ownership proceeds with confidence rather than confusion. Your dream home awaits, and understanding the unconditional phase is your key to claiming it without costly missteps. Send us a text…

That Home Loan Hub

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What Nobody Tells You About Making an Offer on Your Dream Home 11:02

4 weeks yang lalu11:02

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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 streamline your property search, from creating a prioritized checklist of must-haves versus compromises to leveraging websites like Trade Me and building relationships with flexible real estate agents who can accommodate your schedule. Can't make that Sunday open home? Don't worry - we explain how agents can often arrange private viewings that work around your availability. The offer process itself comes with potential pitfalls that can trip up even the most prepared buyers. We reveal one of the most overlooked yet critical errors people make when signing sales and purchase agreements - dating the document before vendors sign! This simple mistake could cost you valuable days on your finance conditions. Plus, we explore the complexities of using KiwiSaver for deposits (not all lawyers handle this the same way), how to choose the right property lawyer, and what happens when your offer is accepted and moves to conditional approval. Ready to navigate the property market with confidence? Listen now, and be sure to stay tuned for our next episode where we'll explain what happens after your conditions are met and you go unconditional on your property purchase. Want our comprehensive house buying guide? Reach out directly and we'll send it your way! Send us a text…

That Home Loan Hub

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From Pre-Approval to Property Purchase 8:57

5 weeks yang lalu8:57

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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 biggest misconceptions first-home buyers face – how to evidence your deposit. For those relying on KiwiSaver withdrawals, there's good news: you don't need to wait until finding a property to get your withdrawal letter! Simply contact your provider directly to start this process. We also explore the ins and outs of registered valuations, explaining why these should only be ordered after your offer is accepted (saving you unnecessary expenses along the way). Diving deeper into pre-approval conditions, we unpack income verification requirements for both employed and self-employed buyers, the proper way to close existing debts (hint: cutting up credit cards isn't enough), and the increasingly important role of insurance in the approval process. For single buyers planning to have flatmates help with mortgage payments, we explain the border declaration requirements you'll need to satisfy. We also highlight special considerations for properties with monolithic cladding and those in flood-prone areas – crucial knowledge in today's climate-conscious property market. Whether you're a first-time buyer or returning to the market after years away, understanding these pre-approval conditions puts you in the driver's seat of your property journey. Armed with this knowledge, you'll be better prepared to meet bank requirements efficiently and move confidently toward making an offer on your dream home. Ready to take the next step? Stay tuned for our upcoming episode where we'll walk through exactly what to do when you find a property and how to structure your offer for success. Send us a text…

That Home Loan Hub

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First Home Buyers Guide: Navigating the Pre-Approval Process 5:42

5 weeks yang lalu5:42

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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 paperwork—it's your financial compass for the house hunting process. We explain exactly what information lenders examine, from income and savings to expenses and employment status. We distinguish between pre-assessment (your initial consultation with an advisor) and formal pre-approval (the bank's conditional lending commitment), clarifying how each stage guides your home buying journey. The power of proper preparation became evident with recent clients who progressed from their initial advisor meeting to viewing properties within just two hours! This illustrates the confidence and clarity that comes with understanding your financial position. We also share an unexpected insight many first-time buyers experience—the emotional shock when they realize their homeownership dreams are genuinely achievable. While pre-approvals typically last 60-90 days (with extension options), knowing your numbers transforms your property search from wishful browsing to purposeful hunting. Construction loans follow a different pathway, which we'll address in a dedicated future episode. Join us next time as we continue the journey, exploring what happens after securing your pre-approval and how to navigate the next exciting steps toward homeownership. Send us a text…

That Home Loan Hub

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Closing the Gender Gap in Financial Advice 14:30

5 weeks yang lalu14:30

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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 sporting events. This knowledge gap becomes particularly concerning as baby boomers prepare to transfer substantial wealth to younger generations who may lack the financial literacy to manage it effectively. The conference spotlighted a fascinating gender imbalance in our industry. Not only are women underrepresented as financial advisors, but they're also less likely to seek professional financial guidance. This disparity creates a troubling dynamic, especially considering that when parents age or face health challenges, it's typically the oldest daughter who takes responsibility for managing their finances – often without having the necessary experience or knowledge. As a passionate advocate for women in finance, I had the honor of hosting a women in financial advice breakfast attended by over 80 people, where we explored how to address both sides of this equation: bringing more women into the profession while encouraging more women to seek financial guidance. Connecting with industry leaders was a conference highlight, from spending time with powerhouse keynote speaker Vanessa Stoikov to sitting alongside legends like Naomi Ballantyne, who built and sold two insurance companies. We explored cutting-edge AI developments in financial services and discussed navigating economic uncertainties with a focus on "controlling the controllable." The energy and insights were so valuable that our entire team will be attending next year's Auckland conference. If you're thinking about your financial future or wondering how to make the most of potential inheritances, reaching out to a professional advisor could be the most important step you take. Financial literacy isn't just about managing money – it's about creating security, opportunity, and legacy for generations to come. Send us a text…

That Home Loan Hub

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The OCR Outlook: April 2025 Predictions and Impacts 4:05

5 weeks yang lalu4:05

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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 across our economy. While homeowners might celebrate potential mortgage relief, we unpack the challenging reality for retirees and others dependent on interest income from savings. With banks already offering two-year fixed rates at 4.99%, we examine whether now might be the time to lock in your mortgage. Real estate dynamics are shifting as well, with increased activity among both first-home buyers and investors despite ongoing economic uncertainties. For many families, any financial relief from lower mortgage payments must be balanced against the rising costs of rates, power, and insurance. This delicate economic equilibrium affects nearly every household in different ways. Whether you're looking to get on the property ladder, managing existing mortgage commitments, or planning your retirement investments, understanding these OCR implications is crucial. Listen now for our complete analysis and predictions on how this announcement might affect your financial situation in 2025 and beyond. What financial moves will you make in response to the changing economic landscape? Send us a text…

That Home Loan Hub

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A 1% Interest Rate Could Transform Your Home and Transport 4:17

5 weeks yang lalu4:17

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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% compared to standard 5-5% loans – making environmentally friendly choices much more accessible. From solar panels and batteries to heat pumps, insulation, water tanks, and double-glazed windows, green loans cover a surprising range of home improvements. For those in the market for cleaner transportation, these loans extend to electric vehicles and even electric bicycles. The application process couldn't be simpler. You'll need a quote from an authorized provider, but most banks charge no application fees, and the approval process mirrors a standard home loan top-up. Once approved, you typically have three months to use the funds (with possible extensions), provided you have sufficient equity in your home to secure the loan. With winter approaching and power bills set to rise, timing couldn't be better to consider these energy-efficient upgrades. Perhaps most compelling is the urgency factor – these exceptional rates could disappear from the market at any moment. If you've been contemplating solar energy, an EV, or upgrading your home's efficiency, now might be the perfect time to speak with your financial advisor about green loan options. Could this be the financial opportunity that helps both your wallet and the planet? Send us a text…

That Home Loan Hub

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200 Families and $70 Million: Our Year of Mortgage Success 3:00

5 weeks yang lalu3:00

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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 many being cases that other advisors or banks had previously declined. What truly sets our approach apart is our willingness to tackle the challenging scenarios. When clients hear "no" elsewhere, they come to us for creative solutions and dedicated advocacy. This commitment to finding possibilities where others see roadblocks has become our hallmark, allowing hundreds of families to move forward with their financial goals and dreams. Our team has grown alongside our client base, welcoming new advisors James and Kunj, whose expertise you've been enjoying through recent podcast episodes. Their contributions have enhanced our ability to serve a broader range of client needs with specialized knowledge. We're equally grateful to our network of lending partners—both mainstream banks and specialized lenders—who collaborate with us to make the seemingly impossible happen. Our insurance services have also provided crucial protection for clients' assets and wellbeing, including successfully settled claims during difficult periods. Looking toward the future, we remain committed to helping more families achieve financial stability and success. Thank you for being part of this journey with us—here's to another year of turning financial challenges into opportunities! Send us a text…

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