can i use money from selling my car as part of my deposit

Yep, it can be used, but it’s not usually counted as genuine savings. Banks typically want to see around 5% genuine savings, which means money you’ve built up over time (like regular savings, KiwiSaver, etc). Selling an asset like a car is usually treated more as one-off funds, not genuine savings. That said, it’s still totally usable as part of your deposit. If you’ve already got some genuine savings alongside it,...