Zebunisso Alimova Mike Pero Mortgages

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Zebunisso Alimova Mike Pero Mortgages Zebunisso Alimova at Mike Pero Mortgages Wellington and Kapiti Coast New Zealand deals with home loan Please contact me for any enquiry.

Welcome to my personal page where you can discover the possibilities of making your dreams come true. As a former banker in the Wellington region, I have come to realization that there are a lot more people out there that require personal help when it comes to Mortgages, Insurances or Home Loans in the Wellington and Kapiti Coast Region. So then I have set myself on a journey to become the best and most accessible mortgage broker in the local community of Wellington and the Kapiti Coast, where I not only live myself personally but also strive to bring the best out of my kids and getting involved personally within the community. What I can do for you:
By running constantly live events I encourage further learning and personal education to all of the people whether you are going to be my friend, my customer or just a folk that is looking to do som**hing about your future, these we do not need to spend hours in traffic and Kapiti Coast traffic can be horrific for a matter of fact, and its all done online and at your convenience. If you liked the webinar and want to set up an appointment face to face we can certainly organize that as well anywhere within the Wellington Region or the Kapiti coast or even better we can just zoom through it, the outcome is always the same, you will come out with the sound advice of what you would need to doing next. If you are shy and did not want to attend my webinars you can always join the discussion via email or I can be reached via Direct Messages on FB, Instagram or Whatsapp

What services do I provide:
- Foremost as the Wellington Mortgage broker who is based in the Kapiti Coast I can do the mortgages and the home loans, what does it actually mean? I can deal with any sort of situation and no job is too hard or too complicated I have seen them all and tackled them all as well
- If you have had a decline or a no-no from the local bank in your Wellington Region area its not necessarily that it is a definite decline, far too often I see the situations that som**hing was just missed out or misunderstood, what I do in these situations? is I review what has actually happened and why your mortgage application in the wellington region has been declined and will work out with you a plan on how to get to where you want to be
- If you are looking at purchasing a land and building your own house whether it is in Kapiti Coast or Wellington Region it is also not a problem as I have gone through the process myself several times so I can walk you through what you need to be aware of and what would the next steps in the journey be
- if you have had some credit issues we can also put a plan how we can get you back on track with the right financial advice, mortgages or home loans in the wellington region for the purposes of achieving your yet another goal

Besides the mortgages and the home loans I can also deal with the biggest elephant in the room which is the protecting your biggest asset - YOU


I am here to review and arrange insurances that will suit your personal requirement at this point of time. Insurances that I provide advice on;
Life - this is pretty simple and straight forward, if you are not here, your loved ones will still be protected and financially secure for a short period of time, giving the recent situation not only in Wellington or Kapiti Region or even New Zealand but the whole world it may be a time to review and get a proper advice on what you are or not covered
Trauma - one of the biggest misconceptions that is coming from the people living not only in the wellington region but also new zealand as general is that ACC will provide the cover for everything and foot the bill whenever som**hing happens to you, unfortunately heart attack or diabetes are not classed as accidents meaning that you will end up in the wellington hospital queue waiting for your time to be seen or not seen for the next few hours, to get more understanding of what the trauma is and how it should be covered we can certainly discuss this option with you in Wellington Region or Kapiti Coast
Income Cover - there are several options in the Income cover and can also provide you with a security if you are one of those unfortunate folks that may end up on the short list of being cut off the job in the Wellington Region or the Kapiti coast, so what it could give you is the temporary income to cover those ongoing bills no matter the weather
Health Insurance - just as the Trauma cover what the basic health insurance will do is take you in front of the queue of the private hospitals in the Wellington Region or best hospitals around the country, if there are no specialists for your situation then you may end up seeing someone from overseas, ofcourse it wont work at the moment but generally speaking it is already better than those long hours in the queue to get your heart operation
Business Insurance - business insurance has a whole heap of various covers in the wellington region is quite an important insurance to have as well as the public liability you would also need to think about the continuation of the business
all of the other insurances in place that you can have a look and discuss with me in the wellington region or kapiti coast as mortgage advisor
Home/Contents/Vehicle Insurance, Pet Insurance, AIRBNB Insurance, Commercial Insurance,

03/11/2026

What's stopping you from taking that first step towards owning your own home?

I'm running my free First Home Buyers Webinar TOMORROW night, so come along and let's talk about it!

We'll go through some of the things you need to know when buying your first home, and there'll be time for questions too.

đź“… Wednesday, 4 November
⏰ 8:00 PM NZDT
đź’» Online via Zoom

It's free to join, but you'll need to register here: https://events.humanitix.com/firsthomebuyer2026

If you've been meaning to learn more, this is a good chance to get started. Hope to see you there!

A vendor said there was no access to the subfloor. Then Evan found a manhole inside a wardrobe. And what he found undern...
03/11/2026

A vendor said there was no access to the subfloor. Then Evan found a manhole inside a wardrobe. And what he found underneath the house was far worse than anyone would want to discover after buying a property.

Here's another one with Evan Cardwell on That Home Loan Hub.

After our conversation about hidden property hazards, Evan is back for a quick-fire round of building inspection questions, and this time, we're getting into the things buyers might miss, misunderstand or worry about for the wrong reasons.

We talked about whether you can trust a building report provided by the vendor, why some homes built in the early to mid-1990s make building inspectors nervous, and which small defects might not be as serious as they look.

But there's a difference between a little maintenance and a problem that could cost you hundreds of thousands of dollars.

Evan also explains why hidden gutter systems can be a real concern, what moisture readings around showers can tell you, and why a building inspector's job is to tell you about the condition of a property, not make the buying decision for you.

One line from Evan really stuck with me: "The house tells its own story."

The trick is knowing what to look for before you commit.
🎙️ A Hidden Subfloor Access Exposed Major Rot is out now on That Home Loan Hub
Apple Podcast: https://podcasts.apple.com/us/podcast/a-hidden-subfloor-access-exposed-major-rot/id1771165429?i=1000799425160
Spotify: https://open.spotify.com/episode/67OVCvLH4aBrTKOWUICcKI?si=737b6b21508c46d4
Youtube: https://www.youtube.com/watch?v=NDOiIZX_qF0

đź”— Connect with Evan Cardwell
LinkedIn: www.linkedin.com/in/evan-cardwell-81a5a1418/
Website: www.checkhome.co.nz/
Email: [email protected]

If you're looking at buying a home, this is another conversation worth listening to before you make one of the biggest financial decisions of your life.

What's the first thing you'd want a building inspector to check before buying a property?

Wellington, let's make a day of it! ❤️I'll be MC-ing at Lead Through the Noise, and I'm looking forward to being part of...
31/10/2026

Wellington, let's make a day of it! ❤️

I'll be MC-ing at Lead Through the Noise, and I'm looking forward to being part of a day full of great speakers, fresh ideas and conversations worth having.

Thinking of coming along? Use my discount code "Zebunisso" when you register to get $20 off your ticket!

Register here: https://events.humanitix.com/lead-through-the-noise-live

Hope to see you there!

Sometimes, the hardest part of buying a home isn't finding the house. It's figuring out how to get there. I've spoken to...
30/10/2026

Sometimes, the hardest part of buying a home isn't finding the house. It's figuring out how to get there.

I've spoken to people who have spent ages thinking about buying their first home. They've been saving, looking at houses online, and wondering if they'll ever be in a position to buy. Some have put it off because they think they need a bigger deposit. Others aren't sure what the banks will say, so they don't even ask.

And then there are people who want to buy an investment property but aren't sure how it works or whether it's som**hing they can actually do.

It got me thinking about how many people put their plans on hold simply because they don't know where to start.

The thing is, you don't have to have everything figured out before you ask questions. Sometimes, that first conversation is what helps you understand your options and see a way forward.

That's a big part of why I do what I do. I love helping people make sense of the process, understand what's possible for them, and work out their next step.

So before the year wraps up, I'm running two more free online webinars. One is for those working towards their first home, and the other is for anyone wanting to learn more about investment property.

4 November: First Home Buyers Free Webinar: Your Last Chance to Get Home-Ready in 2026
17 November: Investing in Your Future: How to Buy an Investment Property

There'll be time for a Q&A, too, so you can bring along your questions.

If either of these has been on your mind, you're welcome to join me. You might come away with a better idea of where to start. ❤️

Register for free here:
First Home Buyers: https://events.humanitix.com/firsthomebuyer2026
Investment Property: https://events.humanitix.com/investmentproperty2026

29/10/2026

The house looks great. The location is perfect. But what if the biggest problems are the ones you can't see?

When you're buying a property, it's easy to get caught up in how it looks, how it feels, and whether you can picture yourself living there. But there are a few things that can turn an exciting purchase into a very expensive headache.

I sat down with building inspector Evan Cardwell to talk about three of them: m**h contamination, mould and asbestos. And honestly, some of what we discussed was pretty surprising.

We talked about why m**h testing needs to go beyond a quick swab kit, why mould is showing up in the roof spaces of some newer townhouses, and why the wording in a building report matters when it comes to asbestos.

One thing that really stood out was our conversation about mould in new builds. You might assume a newly built home is all good, but problems with ventilation and moisture can still create issues you wouldn't necessarily notice during a viewing.

We also talked about why getting the right inspections and advice before buying can make such a difference, especially when you're putting so much of your money into one property.

Because falling in love with a house is one thing. Knowing what you're actually buying is another.

🎙️ The Three Hidden Hazards That Can Sink A Property Purchase is out now on That Home Loan Hub
Apple Podcast: https://podcasts.apple.com/us/podcast/the-three-hidden-hazards-that-can-sink-a-property-purchase/id1771165429?i=1000798729177
Spotify: https://open.spotify.com/episode/4ND5H13SeMQ5woA4aam20y?si=4eb5ace4790241df
Youtube: https://www.youtube.com/watch?v=81QL8sIH1Cs

đź”— Connect with Evan Cardwell
LinkedIn: www.linkedin.com/in/evan-cardwell-81a5a1418/
Email: [email protected]
Website: www.checkhome.co.nz/

If you're house hunting, or thinking about buying an investment property, this is a conversation worth having before you sign on the dotted line.

What's the one thing you'd want to know about a property before buying it?

Hey everyone! We've been looking back at some of our conversations on That Home Loan Hub as we celebrate more than two y...
29/10/2026

Hey everyone! We've been looking back at some of our conversations on That Home Loan Hub as we celebrate more than two years of the podcast!

We're revisiting our conversation with Polina Kozlova from pk law, where we discussed a few important things that can easily get overlooked when life circumstances change.

Would you be interested in an updated webinar with Polina covering separation, wills and relationship property? What would you want us to talk about?

Have you ever thought about what happens to your will if your relationship ends?

It's probably not the first thing on your mind when you're going through a separation. There's already so much to think about, and legal documents can easily get pushed aside.

In this episode, Polina and I talked about wills, relationship property, contracting-out agreements (prenups), and why planning ahead matters, especially when life circumstances change.

It was such an important conversation because these are things that can affect you and the people you care about, but they're not always easy to know where to start.

If you haven't listened yet, you can catch our conversation here:

Apple Podcast: https://podcasts.apple.com/us/podcast/polina-kozlovas-guide-to-estate-protection/id1771165429?i=1000689696471
Spotify: https://open.spotify.com/episode/2UWUe9YDlSSUsaKp2QKvKu?si=5a21e5fa46fd4eb2
Youtube: https://www.youtube.com/watch?v=HKE8Gu5pTTU

I'd love to know if you'd be interested in revisiting this topic with Polina in an updated webinar. What would you want us to cover?

Let us know in the comments!

Sometimes, the thing that helps you stand out when buying a house isn't offering more money. It's showing the person sel...
28/10/2026

Sometimes, the thing that helps you stand out when buying a house isn't offering more money. It's showing the person selling it why that home matters to you.

Imagine selling a home you've lived in for years. You've planted the garden, made memories there, and watched your family grow.

Now someone else wants to buy it. Of course, the price matters. But when two offers are similar, a personal letter from the buyer might make a difference.

Megan and I talked about this on the latest episode of That Home Loan Hub, and she shared a lovely story about writing a handwritten letter when she was buying her own home.

She mentioned the flowers in the garden, what she loved about the property, and how she hoped to make it a family home for her children.

It's such a simple thing, but it made me think about how much emotion can be involved in selling a home.

We also talked about what to include in a letter, what to avoid saying about renovations, whether you should add a family photo, and why it's important to make the letter genuinely yours.

And here's som**hing I really want first home buyers to remember: don't try to write the perfect letter. Write an honest one.

You're not just buying a property. You're buying a home that someone else may have loved for years. If you're currently house hunting, this is a little tip worth keeping in mind.

🎙️ Letters That Win The House is out now on That Home Loan Hub
Apple Podcast: https://podcasts.apple.com/us/podcast/letters-that-win-the-house/id1771165429?i=1000798028825
Spotify: https://open.spotify.com/episode/6fTFUPhUMfTA966qu61lOp?si=0e77cd5063fc4dd7
Youtube: https://www.youtube.com/watch?v=gx5_O25iozI

đź”— Connect with Megan Love
Facebook: www.facebook.com/MeganHowellLove
Instagram: www.instagram.com/megan.howell.love/
LinkedIn: www.linkedin.com/in/meganhowelllove/
Website: harcourts.net/nz/office/paraparaumu/people/megan-howell-love

If you were selling your home, would a personal letter from a buyer mean som**hing to you?

OCR stays at 2.75%The Reserve Bank of New Zealand has held the Official Cash Rate at 2.75%, despite market expectations ...
28/10/2026

OCR stays at 2.75%

The Reserve Bank of New Zealand has held the Official Cash Rate at 2.75%, despite market expectations of another increase.

But the outlook could change, with economist Tony Alexander saying there's a good chance of another rate rise at the next review in early December.

What does this mean for mortgage rates and house prices? OneRoof takes a closer look.

Read the full article here: https://www.oneroof.co.nz/news/tony-alexander-what-the-ocr-hold-means-for-mortgage-rates-and-house-prices-50433?lid=9sofnz0vg629&utm_source=braze_campaign&utm_medium=email&utm_campaign=20261028_October_OCR&utm_content=&uuid=4e8966b6-fced-4634-8d81-27eb47d8ba45

Keen to get into your first home or learn a bit more about buying an investment property?I've got two free webinars comi...
26/10/2026

Keen to get into your first home or learn a bit more about buying an investment property?

I've got two free webinars coming up in November, and they're my last ones for the year!

4 November: First Home Buyers Free Webinar: Your Last Chance to Get Home-Ready in 2026
https://events.humanitix.com/firsthomebuyer2026

17 November: Investing in Your Future: How to Buy an Investment Property
https://events.humanitix.com/investmentproperty2026

If either of these is on your mind, scan the QR code to check out the details and register for free.

Hope to see you there!

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46 Main Road
Waikanae
5036

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