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...
Want a warm, efficient new home without a cold shock at settlement? We pull back the curtain on how lenders actually assess build loans and what it takes to move from signed contract to keys in hand. From contingencies and valuations to approval timelines, we share the practical steps that keep your project funded and on track. We start with the three main build paths—turnkey, housing under construction with progressive payments, and labour‑only—and spell out the real trade‑offs. Turnkey can...
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...
