Episode Details

Are home buyers secretly breaking the Reserve Bank’s rules?

In this episode, Ed fact-checks Andrew and dives into the data to reveal just how many Kiwis are legally borrowing outside the standard deposit and debt-to-income limits.

You’ll learn:

• How many first home buyers are purchasing with less than a 20% deposit
• The real percentage of borrowers going above the 6x and 7x debt-to-income “limits”
• How to grow your portfolio faster … by working around the rules

The key takeaway? The Reserve Bank sets speed limits, not brick walls. If you don’t quite fit the “standard” criteria, it doesn’t automatically mean no ... but it does mean you need to understand how the rules actually work.

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