Buying Isn’t About Money

You keep thinking you need more money.
“Once I’ve saved a bit more…”
“I’ll wait until I’ve got a bigger deposit.”
“It’s not the right time financially.”

That’s the script most people run.
But it’s not the truth.

Because buying isn’t about money.
It’s strategy.

Here’s what I mean:

There are people out there buying homes with 5% deposits.
Not because they’re rich — but because they know how the system works.

They’re using tools like KiwiSaver.
They’re leveraging low-deposit options.
They’ve checked what they can actually borrow — not just assumed.

Meanwhile, you’re sitting on the sideline with zero plan, trying to “save more” without even knowing what you actually need.

That’s not a financial issue.
That’s a lack-of-strategy issue.

If you want to play this game, you’ve gotta stop thinking it’s all about having more money —
and start figuring out how people are moving with what they’ve got.

And the first step?

Use the First Home Buyer Calculator.
Run your numbers, get your options, and stop guessing.
It’s the easiest first move you’ll ever make.

[https://mortgageninja.co.nz/first-home-buyer-calculator]