Flying Solo: Property Ownership Without a Partner

Breaking free from one of property's biggest myths, this episode confronts the widespread belief that you need a partner to buy a home. As a mortgage advisor who's helped countless solo buyers secure their own slice of the world, I'm passionate about setting the record straight: your relationship status has zero impact on your ability to get a mortgage.

The truth? Banks care about your income, deposit, credit history, and financial health—not whether you're single or coupled up. Many solo buyers actually present as stronger applicants because they maintain complete control over their spending habits with no messy joint finances to navigate. While buying on one income presents certain challenges, it's far from impossible.

Deposit requirements aren't as steep as many believe. Through the Kāinga Ora First Home Loan, eligible buyers can enter the market with just 5% saved. Even outside government schemes, many lenders will consider 10% deposits from applicants with good financial hygiene—clean bank statements, stable employment, and manageable debt levels.

I share Amy's inspiring journey—a single mother who was told by her bank that her income wasn't enough and she needed a partner to qualify. Working together, we secured approval through a non-bank lender, and two months later, she held keys to her own home. Her tearful realization—"I didn't know I could do this without a man"—perfectly captures why this conversation matters.

Whether you're single, divorced, widowed, or simply choosing independence, your homeownership dreams are valid and achievable. Your name, your loan, your front door—it's a love story you write for yourself. Ready to start your solo buying journey? Let's build your homeownership plan together.

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