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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.<h3>Here’s what I mean:</h3>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.<h3>And the first step?</h3>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.[<a href="https://mortgageninja.co.nz/first-home-buyer-calculator">https://mortgageninja.co.nz/first-home-buyer-calculator</a>]

Buying Isn’t About Money

Look, I get it — buying feels massive. But here’s what most people won’t tell you: You’re not renting because you “can’t” buy.You’re renting because you haven’t actually looked at what’s possible yet. You’ve been thinking about it, sure.You’ve been “saving,” kinda.You’ve checked some listings, watched a few TikToks, maybe skimmed a blog post before zoning out halfway through. And now you’re in limbo — not moving forward, not making a plan.Just kinda… hovering.<h3>"But do you know what?"</h3> Most people who think they’re not ready actually are.They just don’t realise it because no one’s laid it out properly.No fluff. No vague advice. Just:“Here’s where you’re at. Here’s what you can do next.” You don’t need a perfect credit score.You don’t need a six-figure deposit.You need clarity — and a move that actually fits you. If you’re still renting, and you don’t want to be — don’t wait for the perfect time.It’s not coming. Get clear. Get a plan.And stop wasting another year guessing. Wanna know what you can actually afford right now?Run it through our calculator — no sales pitch, no strings.Just real numbers, based on you.[https://mortgageninja.co.nz/first-home-buyer-calculator]

Why You’re Not Buying in 2025

Let’s be honest. Everyone becomes a mortgage expert the second you say, “Yeah, I’ve been thinking about buying.” Suddenly your mate who bought in 2019 is a financial guru.Your uncle’s telling you how interest rates used to be.Your mate’s girlfriend’s brother's cousin reckons you need 20% and perfect credit. And just like that, you’re overwhelmed before you’ve even started.<h3> Here’s the problem:</h3> None of them are you.None of them know your actual numbers.And none of them have to live with the outcome of the advice they’re throwing around like darts at a pub wall. Most people mean well — but most people also don’t know what the hell they’re talking about. They’re giving you advice based on their experience, their timeline, their situation.Not yours. And if you follow it blindly, you’ll end up just like them —usually after wasting years waiting for “the right time” that never comes. So stop outsourcing your future to people who aren’t in your shoes.Run your own numbers.Get your own plan. Because unless your mate’s name is on your loan docs, their opinion isn’t the one that matters. Want to find out what’s actually possible? Run the calculator: https://mortgageninja.co.nz/first-home-buyer-calculator Takes a minute. No guesswork. No pub chat. Just your reality.

Your Mate’s Mortgage Advice Is Probably Useless

You’re not waiting.You’re avoiding. And you’ve dressed it up as “getting ready” —like there’s some golden moment where everything lines up and the mortgage gods bless you.<h3> Spoiler: That moment doesn’t exist.</h3> People don’t buy their first place because they’re ready.They buy because they got tired of floating. They figured out where they stood.They ran their numbers.They got a plan. That’s the difference. You’re not building a plan —you’re building excuses.<h3> So let’s call it:</h3> “I need more time” = stalling“Just want to save a bit more” = still stalling“Waiting for the right moment” = cool, enjoy renting forever You can’t steer if the car’s parked.But once you know where the road is? Now you’re driving.Want to stop sitting still? Use the calculator.It’s the key in the ignition.[https://mortgageninja.co.nz/first-home-buyer-calculator]

Readiness Is a Lie

You keep saying the market’s too hard.<h3> “Prices are too high.”</h3><h3>“Interest rates are wild.”</h3><h3>“It’s just not the right time.”</h3> Okay. But be honest: You’d probably still be saying that even if rates dropped tomorrow. Because it’s not the market that’s stopping you.It’s you. You haven’t checked your numbers.You haven’t run a plan.You haven’t actually found out what you can do —you’ve just assumed it’s not much. And that’s the trap. You’re using the market to justify doing nothing.Waiting. Delaying. Convincing yourself it’s out of your hands. But while you’re blaming the headlines,other first-home buyers are making moves anyway. They’re not waiting for perfect.They’re just working with what’s real. You can too.But you’ve got to stop guessing first.Use our calculator — and get clarity fast.No opinions. No noise. Just your numbers.[https://mortgageninja.co.nz/first-home-buyer-calculator]

The Market isn't the Problem

You keep telling yourself you’re bad with money.Cool. But what does that actually mean?That you’ve made a few average choices? That you don’t budget perfectly? That you’ve got a credit card that got a bit out of hand?<h3>Welcome to the club.</h3>You’re not bad with money. You’re just making moves with no real data. No plan. No numbers. Just vibes.And that’s what’s stopping you.You assume you’re too far off. You assume you’d get told no. You assume you’re not even close.But you’ve never actually checked.Meanwhile, other people with debt, average credit, and messy finances…are out here buying their first home.Not because they’re perfect — but because they stopped guessing and got clear.You can keep carrying guilt. Or you can start carrying a plan.Use the calculator. Stop assuming. Find out where you stand. Start planning today:[https://mortgageninja.co.nz/first-home-buyer-calculator]

You’re Not Bad With Money

Mortgage Ninja

Mortgage Ninja helps Kiwi homebuyers skip the slow broker drama and get matched fast with mortgage experts who actually get things done.
We use smart tech to pair you with the right lender or broker — no fluff, no confusion, just straight-up clarity and speed.
It’s a faster, smarter way to get approved, and it works.

