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@zelosravioli Which bank are you with? ASB have a zero fee, low interest card, with 0% interest for six months on all purchases over $1000: https://www.asb.co.nz/credit-cards/visa-light.html

@kknmksmama You're doing fine. Here's my take from my own experience. I've done both, I lived a similar life in my 20's, struggled for years on low wages to save and get a house, then lost it in a breakup when the market had gone backwards and didn't get much out of it. Later in life I studied...

@valentinap Say you get finance, you'll be paying really high interest rates - is it realistic, profitable or still an attractive option to be paying $3-400k per year to the bank every year?

@valentinap I'm interested in hearing others opinions on borrowing against business assets, but the bank will want you to inject way more cash than what you have before they'll look at a loan, they'll definetly want your skin in the game asset wise too. And keep in mind you'll need a whole bunch...