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First home buyer stories: From an empty auction room to One Tree Hill

A ghost auction, maxed-out KiwiSaver, and a builder uncle's nod: how Zach and Zara bought their first home.

AI summary

This first-home buyer story follows Zach and Zara's journey to owning a home in One Tree Hill. After returning from London, they saved aggressively by living with family and maximizing their KiwiSaver contributions.

They secured their home after it passed in at an auction with no other bidders, eventually negotiating the price down to their final offer. Key advice includes talking to your bank early, getting a trusted second opinion, and thoroughly inspecting the entire property, not just the house.

Luna lounging in her new home

Talk to your bank or broker earlier than you think. "Do it even if you think you're not ready. They'll show you exactly where you stand and what's realistically achievable."
Keep your head over your heart. "Don't get overly attached to any single listing. If the one you love sells to someone else, don't lose heart. There will always be another property."
Bring an objective second opinion. "Whether it's a builder, your parents, or a blunt friend, bring people who will give you an honest take. They spot the flaws you overlook when you're caught up in the excitement."
Inspect the grounds, not just the floor plan. "Walk the entire boundary. Look at drainage, mature planting, and invasive weeds just as thoroughly as the kitchen and bathroom."