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 p...
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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 p...
New Zealand's Real Estate Reality: Prices Drop Despite Lower Interest Rates
That Home Loan Hub
6 minutes
1 month ago
New Zealand's Real Estate Reality: Prices Drop Despite Lower Interest Rates
The housing market continues to present challenges across New Zealand despite conditions that should theoretically stimulate growth. Median house prices have dropped 0.5% year-on-year to $761,000, even as interest rates have fallen below 5% for the first time since 2022. This unexpected scenario raises important questions about consumer confidence and broader economic health. For first home buyers, this market presents a fascinating dichotomy. While conditions appear favorable with increased...
That Home Loan Hub
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 p...
