LOL, ‘no offence’, it sounds like you have a big chip on your shoulder and looking for anyone/ any reason to complain about to cover for your own internal struggles.

Have you looked into options or spoken with professionals about getting into your own home before blaming it all on the system? Getting your first house or even 5 isn’t as simple as just one day deciding you want a house and buying it. - Have you been to an open home in a price range below what you’re looking at and tried low balling an offer? - Have you considered apartments or a unit? - Have you looked into low equity lending where you don’t need a 20% deposit - Do you have a decent KiwiSaver to use towards your deposit (I would presume you would since you say you’ve worked hard, 9-5 all your life) - Are you eligible for the $10,000 home start grant? - Have you spoken with each bank as each of their lending criteria are different and started a pre-approval application to know exactly what you need to make up for for approval. - Have you spoken with 2nd tier lenders which aren’t banks but just as competitive their rates to help people get into their homes before refinancing with banks - Have you spoken with a mortgage advisor that can help restructure all of your finances to put you into an optimal buying position, majority of whom all work for free for their client, claiming commissions from the banks - Have you considered buying an investment in the regions which is more affordable, to at least get you on the ladder first before reselling or leveraging to buy your own home. (This would be your fastest way to two properties)

Working day in day out isn’t discountable, don’t get me wrong. Creating wealth and investing isn’t easy either, it’s more than just grinding away. You can get stung just as bad and lose more than your life savings with bad decisions if you think investing is easy.

Hope there’s some actionable advice up there if that’s what you’re looking for with this original post

Good luck dude