How A Single Woman In Her 50s Bought A Home With A Small Deposit
She turns up expecting us to say no. Single, mid-50s, average salary, tiny deposit, and a head full of “you need 20%” advice that’s kept her stuck for years. With James as my lead detective, we pull apart the assumptions and rebuild the plan using real New Zealand lending settings, not pub-talk. The moment she learns a 5% deposit route can be possible (including Kāinga Ora First Home Loan options for eligible buyers), you can almost hear the weight lift.
From there we get practical: how to reshape a home loan application when retirement is on the horizon, how to think about serviceability…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.