Client story
A happy first-home journey
How a growing family combined a savings plan, careful timing and first-home-buyer finance to reach settlement.
Originally published 21 December 2023
This family was renting, had limited savings and dreamed of owning a home. They were not quite ready at the beginning, so we built a plan around time, savings and a suitable house and land opportunity.
A plan with room to prepare
The family committed to building their savings over twelve months. We explored house and land options suited to a growing family and selected land with a longer titling timeframe, creating space to strengthen their deposit while the finance preparation continued.
Working through the lending requirements
The application required careful preparation around the deposit and the lender’s genuine-savings requirements. The available savings, rental history and potential first-home-buyer support were considered as part of the complete lending position. Eligibility and lender requirements vary, so this approach will not be suitable for every buyer.
Settlement day
The family stayed committed to their savings goal and, after a long journey, settled on their new home. Watching them reach that milestone was a wonderful reminder of what patient preparation and steady support can achieve.
“We can’t thank you enough for your assistance in helping us get into our first home. You have always encouraged us that it can be done. When we felt like giving up, you always believed in us.”Nia & Laupama
This article provides general information only and does not take into account your objectives, financial situation or needs. Lending, scheme and property eligibility criteria apply and may change. Consider obtaining advice appropriate to your circumstances.