Alyssa Longville says it'd be impossible to buy a home in Auckland without the help of her fiance, Callum Carter.
The couple, both 22, are struggling to find a three-bedroom house with a garage and backyard within their $450,000 price range. They have moved back in with Miss Longville's parents in Kumeu and delayed their wedding while they search and save.
Despite having a pre-approved home loan of 6.6 per cent and a deposit of about $30,000, the couple's six-month search has proved fruitless.
"We've been forced to look in west Auckland because the prices everywhere else are so expensive," Miss Longville said.
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They are among thousands not able to access a Kiwisaver fist-home subsidy because they are looking at properties above the $400,000 cap - but anything below that wasn't worth looking at, she said.
The production assistant earns $41,000 a year, while Mr Carter earns $56,000 as a refrigeration technician. They each bank $300 a week and hope they'll have enough to secure a home by the end of the year. But she said potential restrictions on home loans, making it harder to get a mortgage with a deposit of less than 20 per cent, would delay their dream.