Скачать или смотреть Realestate: we've saved 80k is it enough for our first home?

Saving $80,000 should feel like a major milestone. But when you’re trying to buy your first home, it can leave you asking a very real question: is this actually enough?

In this Ask the Experts episode, a listener who’s fed up with renting wants to know whether they’re genuinely ready to buy, or about to take on more than they can afford.

They’ve built a solid deposit, but recent spending has shaken their confidence, and now they’re stuck between waiting longer or jumping in too soon.

So what does “ready” really look like for first-home buyers in New Zealand?

Vanessa Williams from realestate.co.nz is ready to help us break down the hidden house buying costs people often forget to budget for, how much buffer you really need, and what to do if you slip while building toward a first home. There’s also deposit rules, borrowing options, and how to pressure-test your plan before you make one of the biggest financial decisions of your life.

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This podcast was filmed & produced by Fanaticals
Video editing & content production by Lana Byrne
Audio engineering by Tash Chittock

Chapters
00:00 - Introduction
01:15 - Listener letter: “We’ve saved $80,000 but are we actually ready?”
02:35 - Reality check: why $80k is a strong starting point
05:39 - Mortgage broker vs bank
06:38 - Key tip: mortgage advisers are usually free to you
08:21 - Splurges, debt, and how banks look at spending + statements
11:11 - Hidden costs
15:36 - Mindset: acting like a homeowner before you become one
18:23 - Outro