A small policy misunderstanding nearly derailed a family home transfer, and the fix came down to one line: the 5% “genuine savings” rule only applies when you don’t have a 20% deposit. We walk through the full scenario—parent-to-child sale, equity gift as deposit, and a lender pushback that didn’t match the actual policy—and show exactly how to frame the deal so credit says yes.We break down the difference between high LVR files and those at or below 80% LVR, and why that threshold matters more than most people realise. You’ll hear how Kainga Ora pathways let buyers use fully gifted funds to meet the 5% test, where non-Kainga Ora high LVR loans usually need genuine savings, and why KiwiSaver typically qualifies. We also share practical steps to defuse misinterpretations: present clear deposit maths, confirm the LVR early, reference the correct policy, and, when possible, point to recent, like-for-like approvals at the same bank to anchor consistency.This is a short, punchy guide for anyone navigating family sales, equity gifting, or first-home finance. If you’re overseas without local savings, or you’re relying on KiwiSaver to round out your deposit, you’ll get a simple framework to avoid last-minute declines. Most importantly, you’ll gain the confidence to push back—politely—when a decision doesn’t fit the rulebook. Subscribe, share with a friend who’s house-hunting, and tell us: have you seen a lender apply the 5% rule when it shouldn’t?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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