So our landlord is selling and we’re pretty screwed. We have a dog and a cat so getting another rental is pretty much impossible. It took 1 year or so to find this place to begin with and it’s barely liveable and over priced.

Our only option is to buy a house it seems. Hoping someone on here has had a similar experience or something and been approved for a home loan and give us some hope while we sit in limbo waiting for banks to get back to our mortgage advisor.

So we’re a couple. 115k combined income before tax. Hopping to be approved for 550-580k roughly with a 10% deposit mostly in KiwiSaver and first home grants. Buying in Christchurch. We have a 5k personal loan at 200 a month in repayments. And 1k available on gem visa. We currently save nearly one of our income each week towards increasing our deposit and improving our chances of approval. Our expenses are extremely low and we live very frugally. We have no dependents and are fine with having a flatmate to increase income.

The main drawback is my partner changed jobs 3 months ago after being in storeperson type roles for 3-4 years. He’s changed to a role that is essentially the same with the addition of the role being sales focussed as well as inventory management etc. the job is his dream job and pays much better than the one prior.

Will a bank look at the change of role and Insta decline us? Or is there hope. The main bank we’re focusing is the bank he’s been with since he was 13.

Thx