A small policy error almost cost a family their smooth home transfer—until we pushed back with the right rules and the right evidence. We walk you through the exact scenario: a child buying a parent’s house using gifted equity, a banker insisting on 5 percent genuine savings, and the precise reason that condition didn’t apply. It’s a practical, real-world breakdown of how deposit thresholds actually work, how KiwiSaver is treated, and why the 20 percent mark matters more than most people realise.We unpack the difference between standard high LVR lending and cases where Kāinga Ora programmes allow more flexible gift use. You’ll hear how we assessed the loan-to-value ratio, the documentation that made the gift watertight, and the way we escalated the conversation when the initial call didn’t align with policy. Along the way, we share the tools that help when interpretations clash: referencing recent comparable approvals, requesting clear policy citations, and keeping the dialogue respectful and focused on the client’s outcome.If you’re navigating a family transfer, first-home purchase, or any deposit made up of gifted equity and KiwiSaver, this story offers a blueprint. You’ll learn where genuine savings are required, when they’re not, and how to frame your application so it lands cleanly with credit teams. Subscribe for more New Zealand home lending insights, share this with someone weighing a family equity transfer, and leave a review with your questions—what deposit hurdle should we unpack next?Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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