The National Party’s bold new plan could unlock homeownership for thousands by letting first-time buyers secure mortgages with just a 5% deposit — a move designed to tackle New Zealand’s affordability crisis. While supporters hail it as a game-changer for young Kiwis, critics warn of potential market turbulence and rising prices. With lenders still weighing risks and details still being ironed out, this policy could reshape the housing landscape — and it’s already sparking fierce debate.
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