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Every first-home buying journey looks a little different.
Some clients buy with less deposit than they thought they needed. Others thought they needed years longer to save. Some had been told no by a bank. Others simply needed a clearer plan.
The one thing they all had in common?
They took the first step.
These are just a few examples of everyday New Zealanders who discovered they were closer to home ownership than they thought.
Every success story on this page started with a simple conversation.
When Renee and Jase first got in touch, they had a 5% deposit and a property they loved, but the journey quickly became more complicated than expected.
The property faced lending challenges, their original plan no longer worked, and changing employment meant they no longer qualified for the Kāinga Ora First Home Loan they had been working towards.
Instead of giving up, they kept saving, paid off personal debt, grew their deposit to 10%, and together we explored lender after lender until we found the right fit.
Today they’re settled into their first home, have boarders helping with the mortgage, and have a solid foundation to grow their small business.
Persistence.
A willingness to adapt when circumstances changed.
And having someone prepared to keep looking for solutions until we found one.
Thought they needed to save for years longer before buying.
Outcome:: Purchased sooner than expected using KiwiSaver and the right lending strategy.
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A strong income but a smaller deposit.
A different strategy made home ownership possible.
Outcome: Purchased a brand-new home in Auckland.
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The initial application was declined, but that wasn't the end of the story.
Outcome: Approval secured after strengthening the application.
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Thought home ownership wasn't possible on a single income.
Outcome: Purchased with a 5% deposit and the Kāinga Ora First Home Loan.
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They thought they still had years to save, but when the right home became available, we found a way to make it happen sooner than expected.
Outcome: Purchased their first home with a 5% deposit, KiwiSaver, and boarders helping to pay down the mortgage.
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Like many first-home buyers, they believed they needed a 20% deposit before they could even start looking.
Outcome: Purchased their first home sooner after exploring lender options and making the most of their deposit.
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Changing jobs and proving income made getting approved more challenging than expected, but there was a path forward.
Outcome: Secured finance and purchased the home they had been renting.
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Although no longer together, they wanted to buy a home that would provide stability for their family.
Outcome: Approval secured through the right lender, allowing them to achieve home ownership together..
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After an initial decline, we waited for stronger business financials the next year and presented a much stronger application.
Outcome: Pre-approval secured and house hunting with confidence.
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They thought first-home ownership had passed them by, but it wasn't too late to get started.
Outcome: Secured pre-approval, found the right home, and are confidently paying down their mortgage.
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Returning to work and moving from relieving to a permanent teaching role meant the banks needed more reassurance. We kept building the case, strengthened the application, and found a path forward..
Outcome: Purchased the home they had been renting and turned a long-term goal into reality..
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Support from family helped bridge the deposit gap and opened the door to opportunities they hadn't thought were possible.
Outcome: Purchased a low-maintenance first home with room to build their future..
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Every client featured here started in exactly the same place.
With questions.
With uncertainty.
And with a goal that felt just out of reach.
You don’t need to have everything figured out before reaching out. Whether you’re ready to buy now or simply want to understand what’s possible, I’d love to help.
You might be closer than you think.
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