When Gifted Equity Counts As Deposit
A small policy misunderstanding nearly derailed a family home transfer, and the fix came down to one line: the 5% “genuine savings” rule only applies when you don’t have a 20% deposit. We walk through the full scenario—parent-to-child sale, equity gift as deposit, and a lender pushback that didn’t match the actual policy—and show exactly how to frame the deal so credit says yes.
We break down the difference between high LVR files and those at or below 80% LVR, and why that threshold matters more than most people realise. You’ll hear how Kainga Ora pathways let buyers use fully gifted funds to…
The skinny
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