From 5% Deposit to Homeowner: Success Stories with Jordan

Ready to challenge everything you thought you knew about getting on the property ladder? Mortgage advisor Jordan returns to That Home Long Half to share eye-opening insights that will transform your homeownership journey.

The market has shifted dramatically in favour of first-time buyers. Jordan reveals how clients with just 5% deposits are successfully securing mortgages, including a remarkable case of a single-income family with five children who many would assume couldn't qualify. "Easy, easy," Jordan confirms when asked if 5% deposits still work in today's market. Multiple lenders, including Kāinga Ora programs and even major banks under certain conditions, are actively helping first-time buyers with minimal deposits.

One of the biggest revelations? Your past spending habits aren't the dealbreaker you might think. Those Uber Eats orders and daily coffees that show up on your bank statements? They matter far less than you'd expect. What truly counts is your future financial behaviour after securing a mortgage. As our hosts explain, "We are looking into the future and presenting the bank the future picture... Don't freak out about your expenses of yesterday."

The podcast shares touching success stories that prove homeownership is possible even when it seems out of reach. From a truck driver who just settled on his first property to an older woman who never thought she'd own a home but is now awaiting settlement on hers - complete with tears of joy and Sunday afternoon phone calls to her dedicated advisor. These stories highlight the personal touch that sets mortgage advisors apart from traditional banking experiences.

With interest rates dropping, housing prices at their most accessible in years, and banks "open for business" in ways not seen since before COVID, there's never been a better time to explore your options. Reach out now, especially with the busy Christmas season approaching. The dream of homeownership might be much closer than you think.

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