In a country where home ownership has quietly slipped from a generational expectation to an increasingly distant aspiration, New Zealand's National Party is proposing to widen the door to a scheme that has helped tens of thousands of households cross the threshold into ownership. By tripling the income cap for the First Home Loan scheme — from $150,000 to $300,000 — the party argues that the program has fallen out of step with the realities of modern earnings, leaving junior doctors, dual-income couples, and young professionals stranded between earning enough to service a mortgage and saving e