The Kiwi House Deposit

This is the final episdode of The Kiwi House Deposit Podcast. I talk about the following: How the pod started. How the housing affordability improved between 2022 and now.  How bright NZs future is.  Some final advice.  It's been a blast! I loved interviewing different Kiwis to see how they saved up for their first home. I hope this pod helped as many Kiwis as possible. Go well. 

Zaira tells us how she and her other half saved up for their first home in Whangarei. We explored the following:  Careful spending habbits to save the bulk of a deposit.  Minimalism: A great lifestyle for the studious saver.  House hunting and putting in an offer.  Zaira puts her foot down and gets things done. See what you can learn from her! 

Mya and Shay from Whangarei share how they purchased their first home in 2025. They are two motivated Kiwis who teamed up young and worked hard to make home ownership possible. They purshased a home for less then 500k at the age of 23 and 21 respectively. They shared:  How they met, great yarn. How they got into stable careers with no student debt.  How they automated their savings to do the heavy...

In this podcast, I am lucky enough to interview my dad, Craig. He shares how he and my mum, Linda, saved their house deposit in the 1980's and purchased their first home in 1990.  They shared the folowing:  How easy was the financial life of a boomer? Getting into careers and moving arounnd the country for work. Saving up a house deposit using shares, government superannuation fund and cash.  Inve...

Dylan is a determined kiwi who went hard on the house deposit. He shares the following:  Getting into a career in software development. Putting aside 60% of his income in a high interest saving account.  Buying a house in a town with more job opportunities and lower house prices.  A straight up man, Dylan knows how to get things done. Enjoy his story! 

Mel from Auckland shares her first home savings journey. We covered the following:  Making the move to Auckland. Using a stable job in the transport industry to put a house deposit together.  Realising trade off between currrent rent and paying off her own mortgage.  Mel is an everyday Kiwi who took advantage of the nation wide housing sale. Get around it! 

Ruth Henderson (The Happy Saver) returns to check in and state her views on how to buy a home in the current environment! We cover: How to plan your financial life and where home ownership fits into that. Working with your other half to team up and tackle money goals.   The trade off between using Kiwi Saver for a first home and leaving it untouched for retirement.  The steps that one can take bet...

Scott Innes moved from Canada to the land of opportunity. Scott tells us how he made the most of what NZ has to offer through the following:  Getting into the financial industry. Starting a family. Mentoring young Kiwis to improve their finances and save house deposits.  Scott is a really interesting financial guru. Enjoy what he has to say!!!! Get in touch with Scott: https://www.moneymaverick.nz...

David Baker is a builder, business owner and a hardwiorking Kiwi. He recently purchased his first home while working on growing his business in multiple locations throughout New Zealand.  He shares the following: Getting into the building industry. The highs and lows of starting a business. Purchasing his first home and getting ready for the next purchase. David is a motivated young Kiwi with plen...

This is the story of a Kiwi who saved up for a house deposit in three years. It is told on behalf so the person stays out of the spotlight.  Learning good money habbits early.  Working in Australia for three years to save a large deposit. Moving back to New Zealand and buying a first home.  An important episode to share with young Kiwis in your life. This story will get them ahead of the curve you...

What's happening out there?  I give some opinions on house prices, investments, interest rates and a few other things.  Enjoy!! 

Casey is a young Kiwi who bought her first home in Blenheim this year. She explains how she pulled off this achievement in todays market. We discussed the following:  Where she developed her personal finance skills. How she and her Partner pulled different levers of income: Business income, weekly pay and backpay to save a house deposit.  The process of finding the house and putting in the winning...

Mark Lister is a heavyweight and pioneer of New Zealands financial world for the last 20 years. He is an astute investor and a leader in the financial sector. He currently works as the investment director for Craigs Investment Partners.  Mark shares the following:  His journey through his early career and house savings journey. The highs and lows of New Zelands economy in the mid 2000's.  His inve...

Dave Satherly is an excellent Kiwi who recently saved a deposit for his first home.  He put himself in an excellent position for buying a home through the use of a number of investments. He shares the following:  His long term mindset. A methodical approach to selecting where and how to save his money.  The advice he recieved to prepare himself to place offers on homes.  Of course, some solid bant...

Ash and Ash purchased their first home in early 2024. They shared the following things:   - How they planned their weekly spending.   - How they battled through their due dillegence and sougt advice.  How they negotiated their purchase price. An excellent young couple, Ash and Ash explain what is possible for young Kiwis in the bigger cities. Enjoy!   Buy less clothing, but quality clothing, with...

Logan shares the story of how he purchased his first home in Taranaki.  The highs and lows of truck driving and recovering from a major injury. Moving to Western Australia for a higher income.  House hunting with limited time.  Logan is a down to earth Kiwi who loves a good yarn. Let him inspire you to save for your own deposit!  Buy less clothing, but quality clothing, with this clothing discount...

Lewis Pollock purchased his first home at the age of 20. Enough said. He shares his story.  Buy less clothing but quality clothing with this clothing discount! Manawatu Knitting Mills (MKM) New Zealand made clothing discount code: https://www.mkmoriginals.co.nz/discount/HAMISH10 Website: https://www.mkmoriginals.co.nz

Asset classes. What is the best one to use when saving for a house deposit? We discuss the following:  Definitions of the different asset classes. How you can put your money into one of these asset classes. How you can use them to best effect while saving up for a house deposit. Light reading, done for you. Enjoy!  Buy less clothing but quality clothing with this clothing discount! Manawatu Knitti...

Quin and Graham saved a deposit for an Auckland house in six months. They made some heavy changes to their life and subsequently saved fore a house in NZ's most expensive city.  The changes they made to their lifestyle by working extra jobs.  Earning extra income and how they used it.  Keeping Kiwi Saver money and money invested outside of the house deposit.  Not listening to socisl media! This co...

Nathalie and Ross are an Auckland couple who bought their first home in their early so's. They had no parental gift, just hard work and determination. They share the following:  Moving to NZ and settling into a new country. Selecting careers and starting jobs.  Savings and lifestyle choices.  Nathalie and Ross are an awesome couple who co-operate well. Let their story inspire you to keep saving fo...

Mia shares how she purchased her first home in Hamilton. She saved a deposit using Kiwi Saver while she worked, travelled and went to concerts. She nails the following points:  How she set up her Kiwi Saver well an and increased contributions over time. How she had a well rounded lifestyle with fun experiances.  How she sought a mortgage advisor to understand how close she was to home ownership. ...

Flatting is a great lifestyle choice when saving for your house deposit!       The benefits of flatting in your 20s'. My flat experiance and how I used it to save a large deposit. How you can use flat lifestyle to save your own deposit. Make the most of your twenties and put yourself in a great position for saving! Kiwi made financial literacy game:  https://www.hackticsboardgame.com/ Clothing dis...

Debbie and Craig are a friendly Kiwi couple. They mastered the housing market using the following techniques: Living off one income and saving the other one. Travelling and working overseas to make the most of the exchange rate. Saving a first home deposit on graduate wages. Debbie and Craig are a fine example of what is possible when couples work together. They are passionate about sharing their...

The time to buy is now.  Interest rates are low.  House prices are dropping.  More homes are on the market and taking longer to sell.  First home buyers deposits are growing fast.  The time to buy is now.  Clothing discount! Manawatu Knitting Mills (MKM) New Zealand made clothing discount code: https://www.mkmoriginals.co.nz/discount/HAMISH10 Website: https://www.mkmoriginals.co.nz/

Hannah learnt financial habits from her parents at a young age and stuck with them! She shares the following: Receiving financial education from the age of 7 by managing financial decisions. Changing careers by becoming a business owner.  First home purchase through rent-vesting.  Hannah is a motivated and passionate financial influencer whol wants the best for other young Kiwis. Enjoy her story! ...