PHOTO: Saving a deposit and shopping around with banks can get you into your own home – you’ll be painting before you know it. Photo / Getty Images

I am a sole breadwinner earning $30,000 a year with a 75 per cent house deposit.

Last December (a month before my rent agreement ended), I applied to the following banks for a home loan online. Here were their responses: Kiwibank did not respond. ASB said no due to my low income. TSB said no due to my low income. ANZ said yes, no problem.

With ANZ approval, last month I bought a two-bedroom house for $500,000 in Auckland, and I’m now paying a mortgage of $600 a month.