Across generations, the aspiration to own a home has served as both a measure of economic belonging and a foundation for family life. In New Zealand, where that foundation has quietly eroded over three decades — home ownership falling from 74 percent to 66 percent — the National Party has proposed a targeted adjustment to the First Home Loan Scheme, tripling the income cap to $300,000 so that young professionals earning modern salaries can access the low-deposit mortgages that current thresholds deny them. The policy is modest in cost but pointed in intent: a signal to a generation of renters