08/09/2026
Most people disqualify themselves before they ever ask.
Here’s what the bank is actually assessing. It’s three numbers.👇🏻
1️⃣ Deposit
Not just how much, where it came from. Savings, KiwiSaver, a gift from family, or a mix. And you don’t always need 20%. There are lending options that start at 5% for the right buyer.
2️⃣ Income
The word that matters is provable. Not your best month. Not what you’re about to earn once the promotion comes through. Salaried is straightforward. Self-employed, contract or commission takes a bit more paperwork, that’s a “bring me the documents,” not a no.
3️⃣ Existing debt
The quiet one. The car loan. The Afterpay. The credit card you never use but keep “just in case”, banks assess the limit, not the balance. Clearing or closing the right one can move your borrowing power more than another six months of saving will.
And most people aren’t failing all three. They’re failing one.
You were always closer than you thought. DM us and we’ll tell you which of the three is holding you up.
