Cindy and Jerry Whare have only the clothes on their backs, photos and some family jewellery left after fire gutted their home just hours after firefighters had put out a smaller fire in the chimney.
Most of their possessions were destroyed when their farmhouse in Creans Rd, Waihi, was gutted by fire early yesterday.
The couple, who have been living on the Waihi dairy farm where Jerry has worked for four years, had just come back from a holiday in Northland.
"It was cold," said Mr Whare. "Of course, we lit the fire."
But about 8.30pm their smoke alarms went off, followed by the security alarms. The surround of the chimney of the stand-alone fire was smoking.