Monterey, NSW

Anna Nikolis is up to her eyeballs in debt, and her only way out is to sell her beloved home. She originally bought the place with her mother, and they had big plans to renovate and turn it into the perfect house for Anna, her husband, their children and of course Mum. But things didn't turn out as planned. Anna's marriage broke up, Mum died and Anna was left struggling to raise 3 children on her own. She forged ahead with the renovations, borrowing more and more money against the house to complete the work. Now she's out of cash, has debts to the tune of $900,000 and the work is nowhere near finished.