The Curve

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If your income doesn’t come in a neat little monthly payslip because you freelance, contract, run a business, or your earnings are just a bit… chaotic - this one’s for you. In this month’s Property Podcast, we look at five key things to keep in mind when you go to apply for a mortgage when your money is “lumpy,” including what banks actually care about (stability and proof, not perfection), the paperwork that makes lenders take you seriously (income + tax records, accounts, contracts and future work), how to keep business and personal spending clean, what deposit expectations can look like, and how to boost your chances with simple moves like paying yourself regularly and cleaning up high-interest debt. Most importantly: this episode is here to kill the myth that getting a mortgage without a traditional salary is impossible, because it’s not. It’s just a slightly wiggly path, and you can absolutely prepare for it.

Watch our episode with Gabby: ‘A Property Story Gone Wrong’: https://www.youtube.com/watch?v=raE9rKH-Duo&t=1315s

We’re proud to be partnering with BNZ, who know that getting a mortgage isn’t always straightforward, especially if you don’t have the “standard” payslip setup. If you’re self-employed, contracting, freelancing, earning commission, or your income changes month to month, BNZ’s Home Loan Partners can help you understand what you might be able to borrow and what steps to take next. With the right tools and expert support, you can navigate the process with more clarity and confidence - from first search to settlement.

👉 To learn more, ⁠head here.⁠

BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply.

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

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(00:00:00) Coming up in this episode...(00:00:20) BNZ x The Curve(00:01:48) What even is a mortgage?(00:10:12) Soph’s mortgage story(00:21:00) 5 things to keep in mind if you work for yourself & you’re trying to get a mortgage(00:24:09) 1: Why it feels harder when you work for yourself(00:27:38) 2: What banks actually need to see(00:36:51) 3: The actual paperwork the bank requires(00:42:43) 4: What deposit is needed?(00:47:02) 5: What will help you get approved?(00:51:42) Final thoughts(00:54:41) Thank you for listening to the property podcast!(00:56:16) Financial Disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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This week on The Curve Weekly, we’re serving finance news with a side of pop culture mess: the Beckham family feud is officially giving royalty-level drama, complete with billionaire in-laws and a casual $1 million-a-month allowance (just… imagine). We also break down why silver went absolutely feral, shooting up, then dropping hard, plus the big investing lesson: if you’re buying because everyone’s screaming about it, you’re probably late (sorry, Polly 😭). Then, the genuinely groundbreaking bit: a hormone-free male contraceptive pill is in the works, and we unpack whether this could become the next big investing trend (and whether men will actually take it…). And finally, Elon Musk is back doing Elon Musk things: SpaceX + xAI rumours, IPO chatter, and the slightly terrifying possibility of the world’s first trillionaire. Love the finance chat? Help two girlies out by giving the show a rating (only a good one pls) or sending this episode to a friend! 💖

WTF does that mean? A guide to all the jargony bits:
FOMO – Buying because everyone else is. Dangerous energy.
Safe Haven – The “world is scary” investment. Like gold.
Commodity – A tradable raw thing (gold, silver, oil).
On-paper gains – Profit that isn’t real until you sell.
Central banks – The boss banks that control money + rates.
Volatility – How rollercoaster-y the price is.
Correction – A price drop after things got too hyped.
IPO – When a company hits the stock market for the first time.
Private company – A company you can’t buy shares in (yet).
GLP-1s – Weight-loss meds like Ozempic (big economic ripple effects).
Hormone-free – Works without messing with your hormones.
Ownership – Building wealth by owning a slice of a business.

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠
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(00:00:00) Coming up in this episode...(00:01:13) Quick catch up(00:07:17) The Beckham Peltz Saga(00:18:20) The cost of being a woman(00:26:05) Why airlines are about to save $600 million on fuel a year...(00:27:57) What's going on with gold and silver?(00:34:55) Other quick updates...(00:39:40) SpaceX and xAI merger(00:48:08) Wrap up(00:49:55) Thank you for listening!(00:50:33) Financial Disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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Today’s episode is a little bonus drop: we’re releasing the unedited, uncut version of the cost of loneliness conversation that we shared a snippet of in Monday’s Curve Weekly, because honestly… it was too good (and too real) to leave on the cutting-room floor. Before we get into it, Soph gives you a quick sneak peek of Episode 1 of IOU (Some Money Education), our brand new money podcast + course launching next week, featuring Lucy Blakiston from Shit You Should Care About. Then we’re straight into the main event with Abi Foster: why loneliness isn’t just a sad-girl side quest but something businesses are quietly paying for in disengagement, burnout, and brain fog; how modern work (hello hybrid life) can make us feel weirdly isolated; and why you can feel lonely even when you’re surrounded by people. They get into the pressure women face around relationships, kids, careers, and the general state of the world, plus some genuinely helpful, very doable antidotes, like nurturing friendships, slowing down, and becoming the kind of person who tells strangers you’re amazing and means it.

Want to be the first to know when IOU launches? Sign up to the newsletter here. (https://thecurveplatform.com/pages/sign-up-to-the-curve-weekly)

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠
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⁠YouTube⁠⁠⁠⁠⁠
⁠TikTok⁠⁠⁠⁠⁠
⁠Newsletter⁠⁠

(00:00:00) Alone again 😫(00:00:33) IOU (Some Money Education) Episode 1 Preview...(00:02:13) The Cost of Lonliness (uncut)(00:29:22) Thank you for listening!

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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Silver had been quietly minding its business… and then suddenly decided to go absolutely bananas…

This week on The Curve Weekly, Soph’s joined by a very special guest filling in for Vic: chartered accountant + finance creator  Abi Foster (https://www.instagram.com/abigailrosefoster/) (aka that finance girl with the hair), and together they’re breaking down what’s actually driving silver’s surge, why geopolitical chaos tends to send people stampeding toward “safe” assets, and how rising silver prices could make everyday things like AI tech and solar panels more expensive. Plus: Netflix is having a wobble (down ~40% 👀), but is it truly flopping, or just behaving like the world’s biggest startup while it tries to keep up with YouTube and the chaos of modern attention spans? And then, as all good finance chats do, we take a slightly-too-relatable detour into the loneliness epidemic (apparently costing US businesses $154 BILLION a year??), with a side of that Diary of a CEO episode discourse, friendship-as-therapy, and tiny habits that make life feel less like an emotional buffering screen.

Abi's links:
The Money Manual Book
Instagram
TikTok
YouTube

WTF does that mean? A guide to all the jargony bits:
Commodities – Tradeable raw materials (gold, silver, oil).
Safe Haven – Where money hides when the world feels chaotic.
Bubble – Price goes way too high… then pops.
Shares – Tiny slices of a company you can buy.
Share Price – What one slice costs right now.
Acquisition – When one company buys another.
Ad Revenue – Money made from ads interrupting your show.
TAM (Total Addressable Market) – The biggest possible audience a company could reach.
Fiscal Drag – You pay more tax over time without feeling richer. Rude.
Tax Threshold – The point where a higher tax rate kicks in.

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠
⁠⁠Website⁠⁠
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⁠YouTube⁠⁠⁠⁠⁠
⁠TikTok⁠⁠⁠⁠⁠
⁠Newsletter⁠⁠

(00:00:00) Coming up in this episode…(00:01:30) Guest alert: Abi Foster joins the pod!(00:05:29) Silver’s surging: what’s driving the hype?(00:16:36) Netflix is down…(00:29:21) The $154B loneliness problem (and why it matters)(00:47:54) Final thoughts(00:50:51) Thanks for listening (see you next week!)(00:51:30) Thank you for listening!

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.

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Vic’s dealing with a family emergency, so today it’s a short solo update from Soph today, sharing an honest money moment she didn’t expect to be talking about - having to borrow from family after a run of unexpected costs, and why it matters more than we realise when we compare our financial “progress” to other people’s.

You’ll also hear a first listen to IOU, our new monthly money-education podcast (plus a practical course) dropping mid-Feb, built to help you get the basics sorted without jargon or judgement.

Want to be the first to know when IOU launches? Sign up to the newsletter here: (https://thecurveplatform.com/pages/sign-up-to-the-curve-weekly)

We’ll be back on Monday with The Curve Weekly and a very special guest, Abi Foster (@abigailrosefoster) See you then!!

Listen to the Eliza Filby ep here: https://youtu.be/PC3IfHIDB9o?si=jFUHJ_7XvCCiuepu

Credits:
Hosts: Victoria Harris & Sophie Hallwright
Producer & Editor: Emily Rigby
Social & Digital Manager: Lucy Munro

⁠⁠Leave us a message on The Curve Hotline 💌☎️⁠⁠

For more from The Curve:⁠⁠⁠⁠
⁠⁠Website⁠⁠
⁠⁠Instagram⁠⁠⁠⁠⁠
⁠YouTube⁠⁠⁠⁠⁠
⁠TikTok⁠⁠⁠⁠⁠
⁠Newsletter⁠⁠

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.