For a long time, the barrier to growing a property portfolio in New Zealand has been a steep one. Traditionally, if you wanted to buy an existing residential investment property, you needed a 30% deposit.

Most people’s minds are a complete mess. They’re worried about Bitcoin, day trading, Trump’s 50-year loans, and whether they should invest or pay down debt.

Half the stuff you buy, you can’t actually afford. But debt dealers have found a way to break down payments so your future self can pay for today’s bad decisions.