Working at Massey University, Melvin purchased his first owner-occupied home in 2020 in Pukekohe for $680,000.
At the time he didn't think too much about property investment. The hour-long commute between his home and workplace proved to be an inconvenience, so he sought a new purchase on the North Shore. However, when he approached his bank and other mortgage brokers to secure funding, he was told he would not be able to buy a new home because he had
