Don’t Waste a Decade Over One Bad Year

You had a rough patch.
Cool. So has everyone.

Maybe you dipped into your savings.
Maybe you got hit with bills.
Maybe life just didn’t line up the way you wanted.

That doesn’t mean you’re out of the game.
It just means you’ve been on pause.

But here’s the real risk:

You let that one bad year convince you not to even try.
So you do nothing.
Then another year passes.
And before you know it, you’re five years deep into waiting for “the right time.”

It’s not your financial history that’s holding you back.
It’s the story you’re still telling yourself about it.

You’ve already paid for the mistakes.
Now you’re just carrying the weight for no reason.

You don’t need to be perfect to move.
You just need to know what’s possible right now.

And the only way to do that?

Stop guessing — and get clear.

Use the calculator.
Your future doesn’t care about your past.
Start your plan today.
[https://mortgageninja.co.nz/first-home-buyer-calculator]