Real Examples from Clients

We’ve worked with all sorts of buyers over the past few months who’ve found creative ways to purchase property.

Just recently, I spoke with a young man who originally bought a property with his partner five years ago. After a split, he’s just purchased again—this time with his sister. By pooling their savings and combining their incomes, they were able to confidently go to auction and come away successful.

We’ve also seen parents buying with their children. In many cases, the child is purchasing their first home, and the parent is either getting back into the market or investing alongside them. With a bit of KiwiSaver and income on both sides, it can be a really strong partnership.

And of course, friends and siblings are doing it too. I even did this myself a couple of years ago—buying an investment property with a close friend who was getting into her first home. It was a win-win.

It's All About Being Clear at The Start

Buying with someone who isn’t a partner works really well—as long as you’ve got clear expectations and agreements in place.

That’s where a Property Sharing Agreement (PSA) comes in. It’s a legal document that outlines exactly what each party is contributing, how the mortgage and expenses are split, and what happens if one person wants to sell. It’s all about protecting the relationship and making sure everyone’s on the same page.

Your solicitor can help set this up, and we strongly recommend it for any joint purchase.

Thinking Outside The Box

You don’t have to wait until you’ve found the perfect partner or saved the perfect deposit. If you’re motivated to buy, there are options out there—and we can help you find them.

So if you’ve got a sibling, parent, or friend you trust and who shares your property goals, it might be time to start the conversation. And if you’re not sure where to begin, that’s what we’re here for