> At a Glance
> – A 28-year-old banker won a rare 2 % staff loan lottery valid through the end of 2026
> – Her parents will cover the down-payment shortfall
> – Her boyfriend fears the solo purchase blocks their future joint-buying plans
> – Why it matters: When timing and financial priorities clash, big life decisions can test even strong relationships
A banker’s once-in-a-lifetime mortgage deal has ignited a Reddit debate after her boyfriend pushed back on her plans to buy a home alone.
The Loan That Started It All
The woman, who works at a bank that runs a performance-linked lottery, applied in January 2025-months before meeting her current partner. She was recently notified she had secured a 2 % interest rate that expires December 31, 2026, and cannot be deferred.
- The rate is tied to tenure and performance
- Only a limited number of employees are selected each year
- She has no guarantee of ever receiving the same offer again
Parents Step In
Even with the ultra-low rate, her savings fell short of the required down payment. Her parents volunteered to bridge the gap, making the purchase financially feasible right now.
Boyfriend’s Concerns
When she shared the news, her boyfriend’s reaction was lukewarm. He questioned the timing and voiced worries about taking on debt before they buy property together.
> “He wants us to be as debt free as possible until that point.”
He envisions the couple saving jointly and purchasing a home later using only their pooled resources.
Reddit Verdict
Posting under the subreddit’s “Am I the A**” format, she asked if she would be wrong to proceed despite his objections. Commenters overwhelmingly sided with her.
- “NTA-He’s not even a fiancé,” one user wrote
- Others labeled his stance self-centered, arguing he wants veto power over an opportunity he can’t match
Key Takeaways
- A limited-time 2 % staff loan is driving her to act fast
- Parental help removes the down-payment barrier
- The boyfriend’s vision of joint, debt-free ownership collides with her current opportunity
- Online reaction supports her right to move forward independently
With the clock ticking on the year-end deadline, the banker must decide whether to prioritize the rare financial break or her partner’s long-term comfort zone.
