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You don't need a partner to buy property . Solo buyers , this one's for you , kia ora , and welcome back to that Home Loan Hub . I'm your host , zibunisa Alimova ,

You Don't Need a Partner

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mortgage advisor , mom of four and your biggest cheerleader when it comes to making smart moves with money . Now , today , I want to speak directly to all the solo buyers out there . Maybe you're single , divorced , widowed or just doing life on your own terms , and maybe you've been thinking I'd love to buy a home , but I probably need a partner to do it Wrong . Let me tell you something you don't need a second name on a loan to own a piece of the world . This episode is for the independent legends , especially women , who are ready to make it happen . Solo , let's go . Solo doesn't mean stuck .

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A lot of people assume that buying on one income equals impossible . It's harder , sure , but not impossible . Banks don't require

Solo Doesn't Mean Stuck

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you to be in a couple . They care about your income , your deposit , your credit history and your overall financial health . If those pieces are strong , being single doesn't matter . You can still be approved , and actually many of my strongest applicants are solo buyers because they have full control over their spending no messy joint finances and solid routines . In fact , a lot of my solo buyers are amazing at budgets as well . Now let's talk numbers deposit and income . You don't need 20% to buy . Let me repeat that , you do not need

Amy: The Self-Made Homeowner

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20% . With the Kayanga Auto First Home Loan , you can buy with as little as 5% deposit . There are property and income caps , yes , but an incredible option for single buyers . Even outside of that , many banks will consider 10% deposit . With good financial hygiene . That means clean bank statements , stable employment , manageable debt levels

What Makes a Strong Solo Buyer

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and no random $800 sheen orders during the pre-approval process .

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Now let's look at a case study Amy the self-made queen . Let me tell you about Amy . She's a single mom of two working full-time in healthcare . She came to me thinking she had no chance . She'd been told by her bank that her income wasn't enough and that she needed a partner to get across the line A story we hear too often . I reviewed her situation and saw immediately she was 90% of the way there . Her deposit was 10% , her credit was clean , she had no debt and , most importantly , she was determined . We applied through a non-bank lender , used a low deposit product and guess what ? Two months later , she had her own keys to her own home and live in .

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She cried when she got that approval . Guess what ? I cried too . And the best part ? She said I didn't know I could do this without a man . You absolutely can . You don't need a man to make it happen . And look for those solo mans out there . You don't need a woman to make this happen . You can do it on your own .

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Now , what makes a strong solo buyer ? If you're going to do it alone , here is what really helps . Listen up Proof of income stability . We need you on consistent salary or self-employed earnings for more than 12 months . We need low debt levels . So personal loans , credit cards , afterpays keep them in check or close them up entirely if you can do so .

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Realistic budget Don't shoot for that $1 million house on a $70,000 income . Be smart . Look where it's affordable and really important . Good bank account conduct . Lenders look at the last three months of your spending , keep it tidy and , of course , get a mortgage advisor on your team . Hello , that's me . And what if you're starting from scratch ? Even if you're not ready today , we can build a plan .

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I work with solo

You Are Enough

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buyers who are six months out and 12 months out and we do things like setting up a saving strategy , paying off bad debt , fixing credit scores , choosing the right KiwiSaver fund . You don't need to have it all figured out before you reach out . That's what I'm here for , and so is my team . And to every woman , every solo dad , every independent human listening , I want you to hear this you are enough . You can buy a home on your own and you don't need to wait for someone else to come along and complete the plan . Your name , your loan , your front door let's go get it . Thanks for tuning in to that Home Loan Hub . If this episode lit a fire in you , share it with a friend , follow the podcast and message me . Let's build your solo home ownership plan together , because owning your own home wow , that's a love story you write for yourself .