That Home Loan Hub

• From Separation To Settlement: A First-Home Journey That Changed A Family’s Future

  What does it take to turn a tough season into a turning point? Jordan, a heavy diesel mechanic and single dad of twins, opens up about buying his first home after a separation—and how a clear plan, fast moves, and a little luck changed his family’s future. From broker dead ends to a trusted referral, we trace how focus and follow-through created momentum: a live deal strategy, a sharp offer, and an approval inside a day. When the valuation landed within 24 hours without an urgent fee, the window widened—and Jordan stepped through it.We walk you through the two-week sprint from offer to unconditional, the clauses that matter, and the communication loop that keeps lawyers, agents, and lenders aligned. Jordan shares why he chose a character home near a school, what “right area” means when you’re raising kids, and how small renovations can punch above their weight. Converting two bedrooms to three, opening the kitchen-lounge, and taming the garden weren’t just nice-to-haves; they built daily comfort and future value. Then there’s the heart of it: hosting a big birthday days after moving in, letting the boys paint their walls, and rediscovering the calm that comes with real security.If you’re on the fence—especially on a single income—this story offers a practical playbook: tidy statements, trim spend without deprivation, avoid new consumer debt, and get advice even if you think you’re not ready. We also map next steps: accelerating principal reduction, reviewing structures before refix, and preparing for a first investment property when the numbers stack. Ownership isn’t a finish line; it’s a platform for growth and peace of mind.Enjoy the story, take the steps that fit your situation, and share it with someone who needs a nudge. If this helped you think differently about buying, follow the show, leave a review, and tell us the one action you’ll take this week.Send us a text Support the showBuy 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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• Why KiwiSaver Balances Make It Easier To Buy Your First Home Now

  Want the truth about timing your first home without the hype? We dig into why the current market is surprisingly kind to first-time buyers: fewer bidding wars, more time to think, and interest rates that sit closer to long-run norms than the pandemic anomaly everyone remembers. That calmer environment gives you room to negotiate, complete due diligence properly, and structure a loan that supports your cash flow rather than stretching it.We also break down the quiet force reshaping first-home deposits: KiwiSaver. After a decade or more of steady contributions, many buyers in their early to mid-30s are arriving with balances that can cover close to 20%, cutting low-equity costs and opening up better mortgage options. We compare the compounding effects to Australia’s super system, then look at what an increase in employer contributions from 3% to 4% could mean for your future deposit and how to align your fund choice with your time horizon and risk tolerance.Price stability is the final piece. Sharp swings fuel speculation and push new buyers to the sidelines. Flat or gently rising prices, on the other hand, reward preparation and patience. We outline how to assess affordability with a sensible rate buffer, choose property targets that have been on the market long enough to negotiate, and build a clean pre-approval so you can act decisively when the right place appears. If you’re unsure whether to buy now or prepare for a few months, we share the questions that reveal your best next step.Ready to make a smart move in a calmer market? Follow the show, share this with a friend who’s saving a deposit, and leave a quick review to tell us what suburb you’re aiming for next.Send us a text Support the showBuy 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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• Three Smart Money Moves After Buying Your First Home

  Send us a text Support the showBuy 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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• How A Blended Kiwi Family Bought A First Home In Their 60s

  What happens when your rent looks a lot like a mortgage, but lenders keep saying no? We sit down with Mark to unpack how he and Shelly went from casual work, rising rents, and thin savings to owning a low maintenance beachside unit in their 60s—without pretending the numbers were easy.We walk through the moments that changed their trajectory: both securing full time roles, setting clear non-negotiables (no renovations, stable cash flow), and using KiwiSaver to close the deposit gap. After passing on a hot market buy, they waited, saved, and negotiated hard on a property that fit their life stage. We dig into why they fixed their mortgage for three years when rates were volatile, and how a simple spreadsheet helped them stress test payments, factor in body corp and rates, and even model one-income months. The theme is simple: certainty beats guesswork when your budget has to hold.Age and mindset take centre stage. Mark shares what it felt like to apply in his 60s, balance fears about depleting KiwiSaver, and still choose “no regrets.” We talk lending realities, the importance of health and income stability, and how a 20-year approval can still make sense with a credible plan. We also map out the trade offs—fewer dinners out, more free days at the beach—and the discipline of rebuilding a $25k emergency fund while keeping KiwiSaver contributions growing. There’s practical advice here for every stage: automate savings early, diversify sensibly, and treat property as simple but serious work.If you’re weighing rent risk against ownership stability, or wondering whether to refix or refinance as rates shift, this conversation gives you a grounded way to decide. It’s not about perfect timing; it’s about aligning the loan with your life. Subscribe, share with someone who needs a nudge, and leave a review with the one trade off you’re willing to make next.Send us a text Support the showBuy 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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• Healthy Habits On A Budget

  A black belt in progress, a shared birthday, and a mission to help families thrive—this conversation with Lucy Edwards of Lucy Nutrition blends heart, humour, and hard-won tactics for eating well when prices feel impossible. We start with the human stuff: finding strength through taekwondo, turning a hard space into a happy one, and choosing health as a daily practice. Then we roll up our sleeves and get specific about what actually works in a busy Kiwi household.We map out a simple system for affordable nourishment—plan a few anchor dinners, stay flexible for supermarket specials, and cook bigger batches so the freezer has your back. Garden tips keep costs down and nutrients up, whether it’s silverbeet that never quits or herbs on a sunny sill. We share secondhand hacks for gear, smart ways to manage seasonal gluts (hello, tomato sauce stash), and tricks like freezing feijoas for crumble and slicing lemons individually for easy use. Lunchboxes get a reset with two veg, a protein, and less sugar, while homemade sauces quietly deliver herbs, onion, and garlic. Kids step into the kitchen early to build skills, pride, and an eye for real ingredients.Gut health powers a big chunk of our chat. Kombucha becomes a bargain with a SCOBY, sauerkraut is budget-friendly fermentation, and bone broth turns cheap carcasses into collagen-rich fuel. We explain where freshness matters—like vitamin C in lemons—and how to balance convenience with nutrition. The serious note: we’re seeing more cancers and heart issues at younger ages. Our call is clear—act early. Move your body, hydrate, eat more plants, and seek help before problems harden. Health insurance and checkups belong in prevention, not panic.If you’re ready for practical steps that make your body stronger and your budget calmer, this one’s for you. Subscribe for more real-world health and money smarts, share this with a mate who needs a boost, and leave a review with your best under-$10 dinner idea—we’ll try it next week.Send us a text Support the showBuy 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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