That Home Loan Hub
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!
That Home Loan Hub
Queen of Your Own Palace: Navigating Property Ownership as a Woman
A powerful shift is happening in the property market. Single women are stepping forward to claim their place as homeowners in unprecedented numbers. This isn't just a fleeting trend—it represents a fundamental change in how women view their financial capabilities and independence.
In this revealing conversation, we share our recent experience helping numerous single women purchase homes, many of whom initially doubted their ability to do so without a partner. We explore the fascinating dynamics we've witnessed over years in the industry: women often drive household financial decisions from behind the scenes while men take the public-facing role. When relationships end, many women don't immediately recognize that they've actually been managing finances all along and are perfectly capable of handling property purchases independently.
The contrast between women's natural caution and men's inherent confidence creates different approaches to homeownership. We discuss how reframing property ownership as "being queen of your own palace" has helped numerous clients overcome self-doubt. Most excitingly, we announce our newly released guide specifically designed for women navigating property matters during separation. This practical resource provides actionable steps across three critical phases: preparing for separation, managing the process, and rebuilding afterward.
Ready to take control of your property journey? Whether you're going through a major life transition or simply want to explore homeownership as a single woman, we're here to provide the knowledge and support you need. Connect with us to download your free separation guide or schedule a consultation to discuss your unique situation.
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Hello and welcome back to that Home Loan Hub. Today I'm joined by Kuncha Adams.
Speaker 2:Kia, ora, kia, ora, kia, ora, everyone.
Speaker 1:Awesome, Kuncha. Good to have you here today, Thanks. What are we going to talk about today?
Speaker 2:Well, I've just actually seen a trend, actual a pick up on women wanting to get into homeownership. So I thought we'll cover what we've been seeing and what we've been able to do to help them.
Speaker 1:Yeah, because we finished June on a very high. We've helped over, you know, 20 clients, families. We've done about $7 million in lending, which is crazy numbers if you think about it, and half of them were our single ladies.
Speaker 2:Yeah, so, so majority of our purchases? Well, yeah, we're single, single moms, single women um, getting out there and owning their own home, which is exciting to see. Yeah, why do you think that is? I think women are feeling more empowered about you know their finances and things like that, and women can do a lot, so I'm just really excited to see it.
Speaker 1:Yeah, normally, what I found in the past is usually women are the ones driving the decisions of the household. But normally if it's a family, for instance, it's a dynamic. Women will be the driving force behind the scenes and it's a man that will come and do the talking. She will do the paperwork quietly behind the scenes. She'll do it all, but he's the one that usually talks at the meetings. That's what I've noticed. But now we're seeing that if the family separates and suddenly a woman has to do it all, on her own.
Speaker 1:Yeah, that's when she gets a little bit scared at first. Yeah, and she goes oh my god, I can't do this. Yeah, how can I do this? He did it all.
Speaker 2:And then when you actually show them that no, she was the one doing it all yeah, and and that's why I'm excited about in our roles as well as like we can empower these women, um, to do things on their own and sort their finances or purchase a home, like again, you know, I met someone in their mid-30s didn't think they could buy a home, the you know one or seven siblings, and most of their siblings have already brought properties and things like that. But she saw herself as a single woman I can't buy a house, sort of thing. And she would always mention, oh, but my siblings have a husband and things like that. And I'm like, no, you could do it on your own, honey, you do not need a husband to do this you do not need a man, and this is powerful right yeah, so powerful, yeah.
Speaker 1:I think men naturally have that confidence. They're naturally risk takers.
Speaker 2:They naturally go out.
Speaker 1:And look, it doesn't mean we don't want to help dads. We help heaps of single men, single dads, to get on the ladder. But I think women are naturally more conservative. They're naturally low risk takers.
Speaker 2:Yes, yeah, they think ahead a little bit more and they're like oh, if I do that, maybe not that, well, not that, but it's also giving them that belief that they could do it as well, like letting them believe that their purpose is that like own your own palace. Yeah, oh, I love that. Own your own palace, you're the queen of your palace oh my goodness, this is powerful, this is good yeah. Good stuff.
Speaker 1:Did you know I finished my little guide for women going through separation, yeah, yeah, while you were away in Japan having a holiday.
Speaker 2:Yeah, well, that's exciting.
Speaker 1:Tell me a bit more about that, so this came as an idea back in April and it was Easter holiday. I had nothing to do.
Speaker 2:Guys, when Zybrinisa has nothing to do, she's got millions to do.
Speaker 1:Look, you know, banks want holiday anyway. So I thought, right, what can I do? And we sat down to watch a movie and suddenly I had this idea. It hit me. It hit me like a wave that we're dealing with so many women at the moment and a lot of them are going through the most stressful period of their lives. It's the most unknown period of their lives, because they don't know what to do. A lot of those women are preparing for separation. They haven't separated yet, but they're preparing for it. So how can we help them to prepare for it? Then, some of the women already going through separation they're in the midst of it, you know they're in the thick, thick jungle.
Speaker 1:And then there are women that we're dealing with. They've just come out of separation and they don't know what to do next. So I thought, right, there are three stages to that, you know before, during and after. How can I put it together? So I sat down. I did my first draft. That was back in April.
Speaker 2:Well, that was quick, actually, back in April. Well, that was quick actually. We're only in July and you've already released it.
Speaker 1:Wow, yeah. So I put it together and I think the design of it took longer than the actual writing the material because the material is actually really simple and the feedback I've been getting so far is that people are saying it's really simple to follow and they feel supported through each chapter, which is awesome to hear, because this was the whole purpose of this guide. So if you are thinking about separation or going through it, going through it, come out the other end, come out of the other end. This is your guide because it's got tick boxes, it's got the real steps, what to do. It's not just the airy fairy book of you know, once upon a time there was a princess. No, not at all. It's about the queen taking that power back.
Speaker 2:Yeah, so does that guide? Can that still correlate to someone who's not separated though?
Speaker 1:Absolutely. I think it's still got practical tips in it that you can use even if you're not separating, you know, and you just want to take control of your finances. Absolutely, yeah, absolutely you can. Um, it's got all the check boxes, you know, the guides, how to set up your budget, how to get on top of your bills. Yeah, and I will start breaking down each, um you know, chapter as we go in the following episodes and stuff. Oh, cool, so keep an eye.
Speaker 2:Yeah, keep an ear, everybody. Keep an eye and an ear.
Speaker 1:And I'm already working on the second one, because after I finished this one, I was like oh my God, I should do this and this, and this.
Speaker 2:Exciting.
Speaker 1:It's exciting, right, because knowledge is power. I've been really big on this throughout my whole life and this is how I parent my children. This is how I lead my team. Is knowledge is power? Yes, I can give you the answer, but if you get that answer yourself and learn about it yourself, it will stick better and you will grow better from it. It's like you know watering your plants and making sure the plants grow, so for me, yeah. So this guide is a first step in supporting our clients and those that are not our clients either. That's okay, they can have it. So, yeah, just look me up, Google me up.
Speaker 2:There's a free guide to download from your website, our website. It's free for our clients. Free for our clients. Okay, you have to be our client.
Speaker 1:But yeah, I just thought you know it's something that is lacking right now of people, because you see a lot, you know, on those new zealand women discussion groups on facebook. I see it constantly, I see daily where people are going. Oh, you know, I want to leave my husband, I want to leave my partner what do I do?
Speaker 1:and people going oh, you can do this, this and you get like 100 different opinions of what to do. But this is actually the information and I put it together in conjunction with talking to my lawyer friends that I know, going through my own separation, what I've learned. So it's actually real life guide, yeah, cool.
Speaker 2:Exciting, there you go, thanks for sharing.
Speaker 1:No worries, thank you for listening. So this episode we, if you know if you're separating, what to do if you're going through separation and what the trend that we're seeing and to be the queen of your own castle amazing, love it, thank you, thanks, bye.
