• Buying your first home has never been tougher. In this On the ladder series, Stuff talks to Kiwis who’ve made it onto the property ladder and others who, by choice or not, are still renting.

Auckland couple Yolanda O’Neil and Kyle Brown, both 25, bought their first home four years ago and have added two more properties to their portfolio since.

READ MORE:
*On the ladder: Good fortune, a great first home – and a bit of a trade-off
*On the ladder part 3: First-home owner house-sits while Airbnb pays off her mortgage
*On the ladder, part 1: Kristi Atkins bought her first home at 21 

READ MORE VIA STUFF

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CHRIS MCKEEN
Yolanda O’Neil with daughters Charlie-Kate and Isabel-Lyla Brown.