Afleveringen
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Money doesnât just change what you can buy, it changes what you believe youâre allowed to try. Emma Hanover grew up with food banks and the constant feeling that there was never enough, left school at 16 with dyslexia and ADHD, and still built a life that looks âimpossibleâ from the outside: a sold high-growth trade business, and now full-time property trading and consulting across Auckland and Taranaki.
We get practical about what actually moved the needle. Emma explains how being customer-centric helped her outpace competitors, why she talks openly about money with her kids, and how she teaches budgeting with real-life constraints (including a $500 clothing budget designed to last six months). We also unpack how couples can divide money roles without secrecy, so one person carries the admin while both stay aligned on the big decisions.
If youâre curious about property flipping in New Zealand, this chat is refreshingly unromantic. Emma shares why âyou make money when you buyâ, what changes in a declining market, and how funding can work through investor capital, second tier lenders, and JV (joint venture) deals. She also talks about the losses people donât brag about, and why many traders are rebuilding homes that banks wonât even lend on, not stealing easy stock from first home buyers.
If this resonates, share it with a mate whoâs feeling stuck, and please subscribe and leave a review so more Kiwis can find the show. What part of Emmaâs money story challenged you most?
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The day before an auction, a young mum rings in tears: her bank has just refused her finance. She thought she had done everything right, she had been dealing with her lender directly, and she was sure approval was coming. That one ânoâ could have meant losing the home and starting again from scratch, but it also revealed something most buyers only learn the hard way: pre-approval is not the finish line, and the property itself can be the deal breaker.
We sit down with George Love from Harcourts to unpack a true âwar storyâ that shows the real value of using a mortgage adviser in New Zealand. We talk about what happens when a bank suddenly flags a property due to risk settings like flood zones, historic insurance claims, or concerns that trigger extra reports such as weather-tightness checks. We also explain why brokers often ask for more documents, how we position your story across different lenders, and what it looks like behind the scenes when we escalate an urgent file so a live purchase doesnât collapse.
Then we zoom out to the bigger mission: helping first home buyers get on the property ladder with realistic expectations. We share practical habits that build momentum over time, from choosing a starter home that needs a bit of TLC to cutting back on the small weekly spends that quietly wreck a savings plan. If youâre weighing up bank vs broker, or youâve ever worried your approval could vanish at the worst moment, this listen will sharpen your strategy. Subscribe, share it with a mate whoâs house hunting, and leave a review with your biggest home loan question.Send us Fan Mail
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Zijn er afleveringen die ontbreken?
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Money habits do not appear out of nowhere, they start in the rooms we grew up in and the adults we watched. We sit down with George to trace his money story right back to childhood in Scotland with grandparents who lived by a simple rule: save up first, then buy. That early lesson becomes the backbone of a life built on earning, patience, and steering clear of debt even when it would have been easier to borrow.
We talk about what money felt like when he was young, not as status, but as freedom. From working early and always having his own cash, to leaving home at 16 with money in the bank, George explains how those experiences shaped his spending, saving, and sense of pride. Then we bring it forward into family life: how he and Megan bring their kids into the real estate journey, why small chores matter, how piggy banks teach choice, and the now-famous tradition of an ice cream every time a house is sold.
Because real estate is 100% commission-based, we also get practical about personal finance in New Zealand: why a buffer is non-negotiable, what it means to plan around uneven income, and how a mortgage knockback can become motivation to save harder and increase your deposit. We touch on KiwiSaver, yearly goal reviews, career changes over a lifetime, and what retirement planning looks like when you have kids still at school.
If you want a calmer relationship with money, this one lands on a clear takeaway: keep life simple and stop trying to keep up with the Joneses. Subscribe for more money stories, share this with a mate who needs it, and leave a review with the one money rule you live by.Send us Fan Mail
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The Kapiti Coast market can look calm one month and chaotic the next, so we sit down with George Love from Harcourts to get grounded in the numbers that actually moved. We talk through recent sales statistics across Waikanae, Waikanae Beach, Raumati South, Raumati Beach, Paraparaumu, and Paraparaumu Beach, focusing on the measures locals care about: average sale prices, percentage above or below RV (rateable value), and days to sell. If youâve been relying on broad âregional averagesâ, we explain why that can lead you astray and how drilling into suburb pockets gives a clearer read on demand.
A big thread is context: a suburb can look like itâs booming when only a few properties sold, while another area with 20-plus sales may show more reliable trends even if the âabove RVâ number is smaller. We also explore why some listings sit unsold and never show up in the sold-data snapshot, and what days-to-sell figures can and canât tell you about buyer urgency. Along the way we share auction realities, including how strong competition can lift prices, how deals can still happen shortly after the hammer, and why conditional buyers need the right support to stay in the game.
We finish by widening the lens to the forces shaping confidence right now, including OCR changes, election-year uncertainty, and Wellington job-cut chatter, plus the steady flow of retirees moving into retirement villages around Kapiti. If youâre buying, selling, or simply watching the Kapiti Coast property market, this is a practical listen that helps you interpret real estate statistics without getting fooled by the headline. Subscribe, share it with a friend house-hunting on the Coast, and leave a review with the suburb you want us to unpack next.Send us Fan Mail
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If youâre buying a house, timing your builderâs report can be the difference between a confident purchase and a costly surprise. We sit down with Evan to get clear on when to book a pre-purchase building inspection, why âthe sooner the betterâ is more than just a slogan, and how a bit of planning can take the pressure out of the conditional period before you go unconditional.
We dig into the real-world trade-off buyers face: do you pay for a builderâs report before you put an offer in, or wait until the offer is accepted so you donât risk spending money for nothing? Evan walks through what typically happens once you engage an inspector, how access is arranged through the real estate agent, and why leaving it late can shrink your time to understand defects, ask questions, and negotiate properly. We also talk about how emotion can drive overpaying, and how long-term maintenance costs can catch buyers out even when the home looks fine at first glance.
A key part of the chat is report sharing and confidentiality. We cover whether agents should get the full report, why excerpts are often enough for negotiations, and why it can be smarter to share the complete builderâs report with your lawyer and let professionals handle what gets passed on. If you found this useful, subscribe, share it with a mate whoâs house-hunting, and leave a review telling us: do you prefer report first or offer first?Send us Fan Mail
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You can buy a house that feels âfineâ and still discover it canât legally be rented out without upgrades. Thatâs the gap we dig into with Evan as we compare a Healthy Homes compliance report with a standard builderâs report, and why the two are not interchangeable when youâre making big property decisions in New Zealand.
We talk through what Healthy Homes Standards actually measure, including heating, insulation, ventilation, draught stopping, moisture and drainage, and smoke alarms. The key difference is tone and outcome: a building inspection describes condition across the whole accessible dwelling, while Healthy Homes is designed to answer a strict compliance question against Tenancy Services requirements. That makes the findings far more direct, including what must change to meet the law.
Heating is where things get surprisingly technical. Evan explains how the government heating assessment tool calculates the kilowatt requirement based on the most-used living area, the homeâs size, windows, glazing, wall types, age, and location. We also unpack a scenario that shocks a lot of buyers: a brand new build that still fails Healthy Homes heating because the installed heat pump is undersized, forcing an expensive upgrade.
If youâre a first home buyer, an investor, or someone who might rent your place out later, this chat will help you plan ahead and avoid last-minute scrambles when the rules tighten. If itâs useful, subscribe, share it with a mate whoâs house hunting, and leave a quick review telling us the biggest compliance surprise youâve heard of.Send us Fan Mail
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Your home can be worth a lot on paper, but that doesnât help when the grocery bill, power, insurance, and council rates keep climbing. We sit down with James Buchanan to unpack why more New Zealand retirees are asking about reverse mortgages, and whatâs driving the change: people want to stay independent, stay local, and stay in the home theyâve raised their family in, even when NZ Super no longer stretches as far.
We break down the two big reasons seniors use home equity release. First, lump sums for âageing in placeâ work like safer bathrooms, step-free showers, handrails, and practical upgrades that make the property easier to live in and maintain. Second, a drawdown that tops up the pension month to month, so cashflow doesnât fall apart when living costs rise. We also talk about other real-world uses, from medical procedures (like joint replacements) to travel while health still allows.
Then we get honest about the downside: compounding interest over time can shrink the estate and reduce options later, especially if you start too early or draw too much. We explain how repayment typically works (often when the home is sold or when you and your partner pass away), why reputable lenders are cautious, and why legal advice and long-term projections matter before you sign anything.
If youâre curious about whether a reverse mortgage in NZ is a fit for you or your parents, subscribe, share this with someone who needs it, and leave a review so more Kiwis can find the conversation.Send us Fan Mail
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The OCR gets reviewed next week and the mood across the banks feels twitchy. Jonathan sits down with mortgage adviser James Buchanan to talk through where New Zealand interest rates might be heading, why a flat OCR call is back on the table, and what could still push rates higher later in the year. If youâre trying to plan a first home purchase or decide whether to refix, this is the kind of real-world chat that helps cut through the noise.
We dig into what weâre seeing from the major lenders right now: who moved early, who stayed sharper for longer, and how quickly forecasts can change when inflation prints and global events shift. We also talk about something buyers often underestimate, bank turnaround times. Sometimes the âbestâ rate isnât the best experience if approvals drag, and sometimes great service wins even when the headline rate is higher.
Then we zoom out to the housing market. With Wellington and nearby areas still well off their peaks, a buyerâs market has opened doors for first home buyers, including single parents and households whoâve been building deposits for years. KiwiSaver has played a big role, but we also flag the risk of volatility if your funds arenât aligned with your buying timeline, and why itâs worth talking to your provider before youâre under pressure.
If youâre floating, refinancing, or simply unsure what to do next, press play for clear context and practical next steps. Subscribe, share the episode with a mate whoâs house-hunting, and leave a review so more Kiwis can find the pod.Send us Fan Mail
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You can pay for a builders report and still have no clear answer on whether a home meets Healthy Homes compliance. Thatâs the gap we dig into with Evan, as we unpack what the Healthy Homes Standards actually measure, why the results are so black and white, and how that differs from a general building inspection that looks at overall condition and defects.
We walk through the specific compliance areas landlords must meet under New Zealand tenancy rules: heating, insulation, ventilation, draught stopping, moisture and surface water management, plus smoke alarms. Evan explains how the government heating assessment tool turns real details like room size, window type, location, and dwelling age into a kilowatt requirement, and why âliving roomâ really means the most-used living space. If youâve ever wondered what an inspector inputs and how they decide whether your heat pump is big enough, this makes it plain.
We also talk about H1 and why climate zones and insulation assumptions matter, then hit a surprising twist: a brand-new build can still fail Healthy Homes heating requirements if the specified unit is undersized. Finally, we cover the practical side for owners and buyers, including why weâre starting to recommend Healthy Homes reports even for people buying a place to live in now, and whatâs at stake if you rent out a non-compliant property, from fines to Tenancy Tribunal risk.
If you found this helpful, share it with a landlord or first-home buyer, and subscribe so you donât miss the next practical breakdown. If youâve had a compliance surprise of your own, leave a review and tell us what caught you out.Send us Fan Mail
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Twelve inspections in three days sounds impossible until you hear what a busy building inspectorâs week actually looks like and why so many homes are crying out for basic maintenance. We sit down with Evan to unpack a real maintenance report for a Waikanae beachfront property thatâs just been inherited by three daughters. The location is incredible, but the exterior tells a harder story: older cedar shiplap cladding that has warped, cupped, and split so badly that some boards break under pressure, plus joinery damage thatâs already well past âa bit of paint will sort itâ.
We get practical about what a maintenance report adds compared with a typical builderâs report, especially when the goal is weathertightness. Evan talks through how he documents the problem areas in writing, why that matters when youâre chasing quotes, and how thermal imaging can show where moisture is holding inside the house before the stains and mould shout about it. If youâve ever wondered whether you can just patch and carry on, this conversation makes the decision points clearer.
Then we talk money and scope without sugar-coating it: scaffolding, painting, joinery replacement, and the difference between direct fix and a new cavity system, plus how consent and wind zone settings can change the path. We also touch on smaller unit inspections for development work, Healthy Homes compliance, and why delaying maintenance is the fastest way to inflate your future spend. If you know someone whoâs bought, inherited, or rents out a property, share this with them, then subscribe and leave a review so more Kiwi homeowners can find it. Whatâs the first thing youâd want checked on your place?Send us Fan Mail
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Your KiwiSaver settings look small until you do the maths. We sit down with Dave to talk through the April 2026 shift to a 3.5% employee contribution rate, why most people stayed there, and how that extra 1% can translate into real money over decades. If youâve ever wondered whether changing your KiwiSaver contribution rate is âworth itâ, we break it down in plain language, using the kind of weekly numbers that actually match real life.
We also get practical about habits, especially for young Kiwis starting work. Setting KiwiSaver to 10% from day one can be a game-changer because you build your retirement savings and first home pathway before lifestyle spending expands. For parents, we talk about how even modest voluntary contributions can create a base thatâs hard to replicate later, and why locking money away can sometimes be the point, not the downside.
Then we zoom out to what might be coming next in New Zealand retirement policy: a proposed $1,200 KiwiSaver kickstart for babies enrolled from birth, talk of moving toward compulsory total contributions of 12% (split between employee and employer), and targeted changes like contributions for mums during maternity leave to reduce the KiwiSaver gender gap. We also cover why continuing employer contributions past age 65 could be a fairness win, plus the big unresolved question: who pays for all of this, and what does it mean for smaller businesses?
If you want clearer KiwiSaver advice, smarter retirement planning, and a grounded take on policy changes, hit play. Subscribe, share this with a mate who needs a nudge, and leave a review with the KiwiSaver question you want answered next.Send us Fan Mail
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Conservative KiwiSaver funds can feel like a warm blanket, right up until you realise what they might be costing you over 20 or 30 years. We dig into a common KiwiSaver mistake: switching to conservative before buying a first home, then leaving it there long after the keys are in hand. The real question isnât âwhatâs safest this year?â, itâs âwhat gives me the best chance of a strong retirement outcome over time?â
We talk through why long-term investing often rewards staying invested through market ups and downs, and how missing growth years can snowball into a huge gap in retirement savings. Then we tackle the temptation of hype investments, from SpaceX-style speculation to KiwiSaver funds that include Bitcoin. Weâre not anti-risk, weâre pro-intentional risk: diversify, understand what you own, and keep âplay moneyâ separate from the money youâll need to live on later.
With election-year noise about the retirement age and whether NZ Super could change through asset testing, we share a simple planning mindset: donât build your future on promises you canât control. We also cover a practical step anyone can take today, asking your provider for a fund factsheet so you can see the holdings and how the fund is actually invested. If this helped, subscribe, share it with a mate whoâs still in conservative, and leave a review. What KiwiSaver fund are you in right now, and why?Send us Fan Mail
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That dream hill view can come with a quiet question: whatâs actually holding the ground up? We sit down with Evan to unpack the real-world risks and realities of buying and building on a slope in New Zealand, with plenty of Wellington and Dunedin context where flat land is the exception, not the rule. If youâre looking at a house on a hill, this is the practical checklist conversation you want before you fall in love with the outlook.
We get into retaining walls and hillside sections, including what to look for with older crib walls, why drainage and wall geometry matter, and how surcharge loads can turn a âfine for nowâ wall into a future failure. Evan also shares what itâs like building on steep terrain, where the house is tied into the hillside and carried out on long piles. Itâs a candid look at the on-site reality of drilling, including what happens when an auger hits hard greywacke rock and the engineer has to make a call.
From there we zoom in on the buyerâs red flags: subsidence and settlement clues such as uneven paths, cracking to foundations or cladding, and windows that have dropped out of level. We also talk about the messy part people forget, like limited access that makes repairs expensive or even borderline impossible, and how storm-driven slips can turn into insurance stress. If youâre doing property due diligence, organising a building inspection, or weighing up a hillside purchase, youâll come away with clearer questions to ask and fewer surprises.
If this helped, subscribe for more straight-up property and building chats, share it with a mate whoâs house hunting on a slope, and leave a review with the biggest hill-section question you want answered next.Send us Fan Mail
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PIR is one of those tiny settings that can quietly shape your after-tax returns for years, and most people only notice it as three letters on a KiwiSaver statement. We bring Dave in for a plain-English Tax Chat to explain what PIR (prescribed investor rate) actually is, how it works inside PIE funds and unit trusts, and why itâs different from your normal income tax rate.
We unpack the part that surprises most listeners: for many KiwiSaver and PIE investments, the top PIR is capped at 28%, even if your personal tax rate is 33% or 39%. That can make KiwiSaver tax more efficient for some people using it as a retirement savings vehicle. We also talk through the real-world risk: if your circumstances change and your PIR doesnât, you can end up paying the wrong amount. Overpaying can be especially painful because you may not be able to claim it back, while underpaying can still lead to a bill later.
Youâll get the key PIR bands (10.5%, 17.5%, 28%) and a practical checklist for staying up to date, including where to find your PIR in your providerâs app or portal and how MyIR can help if itâs not clear. If youâve ever changed jobs, had time off to look after kids, reduced hours, or simply set your KiwiSaver up years ago and never looked again, this is the nudge to check.
Subscribe for more straight-talking money chats, share this with someone who has KiwiSaver, and leave a review if it helped, then go check your PIR today and tell us what you found.Send us Fan Mail
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A builderâs report can feel like a bunch of headlines until you know how to read the labels and what they imply for real risk, real money, and real next steps. We sit down with Evan to translate the common report terms into plain English, so you can stop guessing and start prioritising. If youâre buying a home, supporting a client, or simply trying to understand what youâre looking at before going unconditional, this is the practical guide we wish everyone had.
We unpack what a New Zealand pre-purchase building inspection report typically covers, from exterior claddings and roof spaces to subfloors, sites, and moisture readings. Evan explains the difference between cosmetic issues and minor maintenance, and why that distinction changes fast depending on the scale of the home, from an 80 square metre weatherboard to a 350 square metre two-storey property. We also dig into âaction requiredâ, the phrase banks and lawyers latch onto, and how it links to weathertightness risk and long-term deterioration if defects are left unattended.
We then get into judgement calls that matter: when something becomes a safety hazard, like a second-storey deck balustrade with timber decay, and when a report has to say âfurther investigationâ because access or conditions prevent a complete view. Finally, we talk about the growing habit of throwing reports into AI, what it does well, and what it can miss without the right prompts, plus where electrical checks sit in a builderâs scope and why older wiring can trigger insurance requirements.
If you found this useful, subscribe, share it with a friend whoâs house hunting, and leave a review so more Kiwis can buy with confidence. What part of a builderâs report do you find hardest to interpret?Send us Fan Mail
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Numbers donât have to be boring, especially when they mess with your assumptions about money. We corner Dave from Booster for a rapid-fire run through KiwiSaver stats that hit right where it counts: first home buying, retirement savings, and the small choices that compound into massive outcomes over time. If youâve ever thought âmy balance isnât big enough to matterâ, this chat is the reality check.
We start with first home buyers and the average KiwiSaver withdrawal of about $42,000. We unpack what that figure can mean for deposits, borrowing power, and why even a 1 to 2% higher contribution rate while saving can change your interest rate and your options. Then we get into fund choice after you buy, including the shift away from conservative funds and why a long-term growth approach can leave someone dramatically better off by retirement.
From there we tackle a stat that should stop anyone mid-scroll: around 1.6 million KiwiSaver members are not contributing. We talk through the common reasons, what contribution holidays can cost in missed employer contributions, and practical ways to build savings habits anyway, from putting $20 into a kidâs KiwiSaver to swapping flashy gifts for something that actually multiplies. We also touch on rising average balances, more members crossing $80k, the biggest generational wealth transfer in history, and why managed funds and diversification can matter alongside KiwiSaver.
If you want KiwiSaver advice that stays grounded in real New Zealand behaviour and real-world constraints like the cost of living, press play. Subscribe, share it with a mate who needs a nudge, and leave a review with your current contribution rate and what would help you lift it.Send us Fan Mail
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One small moisture reading can be the start of a very expensive story. Weâre talking about the moment every buyer dreads: youâve got a builderâs report, something looks âmaybe fineâ, and you have to decide whether to push forward, negotiate, or pull the pin before settlement.
We sit down with Evan from Czech Home Building Inspections to walk through a real pre-purchase building inspection in Lower Hutt. The house looked well cared for, but a fully tiled bathroom showed elevated moisture readings. Evan explains how moisture meters work, why tiled showers can produce confusing results, and why inspectors often recommend monitoring or further investigation instead of making absolute calls. Then the crucial part: the buyers got permission to lift tiles, and the studs inside the wall were rotten. Suddenly youâre not talking about a minor fix, youâre staring down a full waterproofing rebuild, consent questions, and a quote around $40,000 in todayâs money.
We also get practical about what this means for first home buyers in New Zealand. Even if youâve got the skills to renovate, bank lending decisions can hinge on the propertyâs condition and the size of the unknowns. If youâre relying on a builderâs report to guide your due diligence, this chat will help you understand risk language, when to dig deeper, and how to make a call you can live with.
If you found this useful, please subscribe, share it with a mate whoâs house hunting, and leave a review so more Kiwi buyers can find it.Send us Fan Mail
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Admin doesnât just steal hours, it steals creative energy. Heather Newstap from Time Journey joins us to unpack what âbehind-the-scenesâ support really looks like for artists, musicians, educators, and tiny teams who have a brilliant product but get stuck in the business side. We talk about everything from email overwhelm to building resources, creating lyric sheets and ukulele chords, and the practical problem every creative faces: getting the work in front of the right audience without burning out.
Heatherâs story is also a masterclass in the career pivot. She moves from teaching to public health, then into self-employment on the KÄpiti Coast, learning the hard way that your first business version might be too broad. We get honest about early mistakes, why a good business coach can fast-track clarity, and the confidence shift that happens when you stop people-pleasing and start choosing clients who respect your expertise.
We also zoom out to women in business in New Zealand: the pressure of juggling family life, the confidence gap, and why safe networking spaces matter. Then we go practical on money and marketing, including why referrals beat cold leads, how to price âthinking workâ, and what AI can and canât replace when trust and authenticity are on the line. If youâre building a small business, supporting creatives, or looking for a smarter way to run your back office, youâll take away ideas you can use today.
If this resonates, hit subscribe, share it with a friend whoâs juggling too much, and leave a quick review so more people can find the show. Whatâs one task youâd love to hand off this week?Send us Fan Mail
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âDepositâ sounds like one simple word, until you realise it can mean two totally different things in a New Zealand home purchase. We keep hearing the same worry from buyers: how can the bank talk about 5% or 10% while the sale and purchase agreement seems to expect 10% as well? That mismatch creates panic, especially for first home buyers relying on KiwiSaver and tight savings.
We break down the difference between a bank deposit (your equity for lending) and the contract deposit paid after you go unconditional. From there, we get practical: why a contract deposit does not have to be a percentage, why a fixed dollar amount can be safer during negotiation, and how the deposit still counts as part of the purchase price at settlement. We also talk through real-world timing issues, including KiwiSaver withdrawal delays, the âgraceâ you may have to get the money paid, and why honest communication with the agent matters.
Then we zoom out to the tricky situations: when a vendor needs your deposit to secure their next home, how a domino effect can add pressure, and what options like temporary overdrafts or early release can look like when you have the right support. If youâve ever felt embarrassed asking âbasicâ questions during the house buying process, this chat is your permission slip to keep asking until it makes sense.
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RV says a lot about how rates get calculated, but it can say very little about what you should actually offer on a home. We sit down with Megan Love from Harcourts Real Estate to pull apart one of the biggest pricing myths we see with buyers: the belief that the rateable value is âwhat itâs worthâ, or that everything must be selling below it. The reality is messier and far more local, especially across the KÄpiti Coast market.
We get practical about what to look at instead: recent suburb statistics, comparable sales, and the underrated metric that changes your negotiating stance fast, average days to sell. We talk through what those numbers can look like across areas like Waikanae and Paraparaumu, why beach locations can command a premium even when they take longer to move, and how to sense when a property is priced for attention versus priced to sell.
Then we zoom out to the real cost of ownership. Coastal and river-adjacent homes can come with higher insurance questions and extra maintenance, from salt spray to paint wear, and buyers are asking sharper questions about water and resilience than ever. We finish with a simple, field-tested way to make better decisions: define your non-negotiables, go to plenty of open homes, and book a private viewing when you need quiet time to picture your life in the space. If youâve ever felt awkward asking an agent for privacy, we cover the straightforward wording that works.
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