As a single mom, I had no idea how easy it would be to get onto the property ladder with the help of joint buying with a friend. NZHome Loans helped us to keep our mortgages and details completely separate, ultimately giving us the means to own 50% share of the house. Even with vastly varying deposits, we were able to create two very different solutions which catered to both of our positions perfectly. The Debt Nav has also given me a positive and hopeful understanding of what my future holds financially and has also allowed my co buyer and I to plan for future investment property purchases together. It’s a lot easier than you think it will be and definitely worth a look if you have been struggling to get into this ever inclining market.