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Migrants Ricardo and Mauresha Fynn and their young family left South Africa to make New Zealand their home almost five years ago - but they're still waiting to own a home here.
The Auckland couple, in their early 30s, have a combined income of $110,000 and have saved $25,000 for a deposit over the past 10 years.
But they may need to save another $65,000 to buy a four-bedroom house worth around $450,000 in their desired location of West Auckland.
The reason is that banks are now asking for a 20 per cent deposit for a mortgage.
Ricardo says the higher deposit requirement has made it "extremely difficult" for them to buy a home.
An outstanding car loan and a personal loan - which they used to buy furniture when they arrived in the country - made their situation a little tough.
They pay $400 a week for rent and most of the rest of their money goes on the usual things such as groceries and living costs.
Expenses related to their children Callyn, 8, and Cameron, 6, particularly for the sports they play, also play a part.
But they save what they can and are not giving up on their homeowning dream.
"I would just say the dream is a little on hold," says Ricardo.
