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  • If you’re thinking about buying a house, the amount of debt you will have to take on is probably enough to keep you up at night.

Data from Homes.co.nz shows that the typical value of a first home on Auckland’s North Shore is now $777,000. In Hamilton, it is $469,750, in Wellington, $592,300 and Christchurch $382,250.

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Borrowing half-a-million dollars is pretty scary. Here’s how to take the edge off.