That Home Loan Hub podcast

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The Sarah Fraser Show

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SISTER WIVES: The Brown Family Plans Garrison's Funeral, Gives NEW Details About His Passing. Justin Baldoni v Blake Lively UPDATES, First Pictures Of Micah Plath’s Broken Nose Have Surfaced!… 36:16

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DANMMMMM…Have I got a show for you! First, a lot of Sister Wives tea - new rumors have surfaced Janelle Brown is leaving the show. Plus, Gabe Brown gives a life update after losing and tragically finding his brother Garrison dead. Sadly, Garrison took his own life in March 2024. Then we head over to discuss the new Welcome To Plathville tea. The first pictures of Micah Plath have surfaced after being beat up by his brother Issac and it doesn’t look good for the future of his modeling career. Lastly, we discuss the latest in the Justin Baldoni v Blake Lively case, Justin is back on social media and it was the perfect social media return. Timestamps: 00:00:00 - Open and new Sister Wives news 00:05:43 - Janelle Brown leaving the show? Sister Wives Closet is officially closed 00:12:45 - A new pic of Micah Plath’s broken nose has surfaced 00:18:18 - Justin Baldoni back on social media and Taylor Swifts team is pissed at Justin Baldoni MY Go Big Podcasting Courses Are Here! Purchase Go Big Podcasting and learn to start, monetize, and grow your own podcast. USE CODE: MOM15 for 15% OFF (code expires May 11th, 2025) **SHOP my Amazon Marketplace - especially if you're looking to get geared-up to start your own Podcast!!!** https://www.amazon.com/shop/thesarahfrasershow Show is sponsored by: Download Cash App & sign up! Use our exclusive referral code TSFS in your profile, send $5 to a friend within 14 days, and you’ll get $10 dropped right into your account. Terms apply Horizonfibroids.com get rid of those nasty fibroids Gopurebeauty.com science backed skincare from head to toe, use code TSFS at checkout for 25% OFF your order Nutrafol.com use code TSFS for FREE shipping and $10 off your subscription Rula.com/tsfs to get started today. That’s R-U-L-A dot com slash tsfs for convenient therapy that’s covered by insurance. SkylightCal.com/tsfs for $30 OFF your 15 inch calendar Quince.com/tsfs for FREE shipping on your order and 365 day returns Warbyparker.com/tsfs make an appointment at one of their 270 store locations and head to the website to try on endless pairs of glasses virtually and buy your perfect pair Follow me on Instagram/Tiktok: @thesarahfrasershow ***Visit our Sub-Reddit: reddit.com/r/thesarahfrasershow for ALL things The Sarah Fraser Show!!!*** Advertise on The Sarah Fraser Show: thesarahfrasershow@gmail.com Got a juicy gossip TIP from your favorite TLC or Bravo show? Email: thesarahfrasershow@gmail.com Learn more about your ad choices. Visit megaphone.fm/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!

66 episoder

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

That Home Loan Hub

updated for 2 dager siden

Del

Serier hjem•Feed

66 episoder

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

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That Home Loan Hub

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Don't Panic: Your Complete Guide to Mortgage Decisions in 2025 6:21

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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…

That Home Loan Hub

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The Essential Mortgage Refix Checklist for 2025: What You Need to Know Before Your Rate Expires 3:36

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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…

That Home Loan Hub

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NZ Property Market 2025: Stabilization After the Storm 3:50

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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…

That Home Loan Hub

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Beyond the Headlines: What Budget 2025 Means for Your Financial Future 3:53

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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…

That Home Loan Hub

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Balancing Act: How a Lifestyle Property Sale Changed Everything 11:53

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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…

That Home Loan Hub

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From Financial Chaos to Homeownership: How Debt Consolidation Changed Everything 4:58

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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…

That Home Loan Hub

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From Offer to Acceptance: Understanding Live Deals in Home Buying 5:46

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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…

That Home Loan Hub

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The 10-Day Wait: Is Working With a Mortgage Advisor Still Worth It? 9:54

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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…

That Home Loan Hub

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The $2,000 House-Hunting Mistake You're About to Make 7:31

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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…

That Home Loan Hub

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AI Revolutionizing Insurance with Panos Leledakis 37:26

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Prepare to have your mind blown as we dive into the cutting-edge world of AI with tech visionary Panos Leledakis. From humble beginnings in Greece to winning 11 Global Innovation Awards from MIT, Panos shares his extraordinary journey and reveals how artificial intelligence is revolutionizing the insurance and financial advice industries. "AI can do everything if you know how to use it," Panos explains, demonstrating jaw-dropping applications that sound like science fiction but exist today. Imagine creating your own digital clone to conduct client meetings while you're elsewhere, or showing clients aged versions of themselves either thanking or blaming their present selves for financial decisions made today. These aren't future possibilities—they're tools Panos uses right now to transform client experiences. What makes this conversation particularly valuable is Panos's practical approach. He doesn't just theorize about AI; he shares specific tools like Heygen, 11 Labs, FaceApp, and ChatGPT's voice mode that advisors can implement immediately. His three-pillar methodology combining risk management science, neuroscience, and technology offers a blueprint for transforming traditional sales-focused advice into true consultation that resonates with clients on a deeper level. While acknowledging concerns about job displacement, Panos offers a refreshingly positive perspective: "Adapt and fly." He believes AI will create more jobs than it eliminates and will free advisors from mundane tasks so they can focus on meaningful human connections. The key differentiator will be creativity—the ability to generate truly new knowledge, which AI cannot yet replicate. Whether you're an early adopter eager to push boundaries or feeling anxious about technological change, this episode provides both inspiration and practical guidance for navigating the AI revolution. Listen now to discover how embracing these powerful tools can make you more efficient, create unforgettable client experiences, and ultimately bring more joy to both your professional and personal life. 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…

That Home Loan Hub

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The Ripple Effect: When Workplaces Invest in Physical Wellbeing 18:20

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The secret to workplace wellness isn't complicated, but it is revolutionary. Meet Isaac King, a personal trainer with 20 years of experience who's transforming New Zealand workplaces by focusing on what truly matters—the physical wellbeing of employees as the foundation for mental health, productivity, and community strength. Throughout our conversation, Isaac reveals how modern workplace stressors take a devastating mental toll, particularly when employees lack physical outlets for stress release. His innovative approach creates small-group fitness programs within companies that simultaneously address chronic pain, build team culture, and educate participants about their bodies. The results speak volumes: happier, more productive employees who bring that positive energy home to their families, creating a ripple effect of wellness throughout entire communities. What makes Isaac's perspective particularly valuable is his unwavering focus on the "why" behind fitness. He's observed that outward-looking motivations—being healthier for your children, partner, or workplace—create lasting commitment compared to purely self-focused goals. This mirrors his own business philosophy of continuous improvement and pouring quality into existing relationships rather than endlessly chasing new clients. As Isaac puts it, "Don't just feed them fish. Teach them how to fish." Whether you're an employer wondering how to boost team productivity, an employee struggling with workplace stress, or simply someone curious about sustainable approaches to wellness, this episode offers practical wisdom you can implement immediately. Isaac's three simple tips—find enjoyable physical activities, develop accountability through community, and continuously learn about health—provide a roadmap anyone can follow. Ready to revolutionize your workplace wellness approach? Listen now and discover how physical movement might be the missing piece in your productivity puzzle. 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…

That Home Loan Hub

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From Survival Mode to Creating Generational Wealth 41:45

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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 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…

That Home Loan Hub

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

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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 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…

That Home Loan Hub

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

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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 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…

That Home Loan Hub

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The Hidden Dangers of Unconditional Property Offers 8:47

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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 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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