Layla Kelly said she has been raking in more than $250,000 a year by posting X-rated content on her OnlyFans account.
The enterprise has been so successful that it has gone from a part-time hobby to a full-blown career - and allowed Ms Kelly and her husband of 19 years, who films and edits her content, to save up a six-figure deposit for a home.
The 34-year-old said it was something she never thought possible in her former life as a banker on a salary of $65,000.
But the couple's plans to by a home hit an unexpected hurdle last November.
Ms Kelly her mortgage broker sent the application to several banks to see who could offer the best loan terms, and one New Zealand bank refused it outright.
'One bank came back and said they wouldn't even consider the application because of the industry I work in,' she told Daily Mail Australia.
In her initial application she listed her job as 'content creator' but the bank wanted more detail on the content.
Layla Kelly makes more than $250,000 a year from her X-rated content on OnlyFans
The 34-year-old says she formerly worked as a banker on a salary of $65,000
When she responded that she ran an OnlyFans account, she was told to list her occupation as 'sex work'.
But once she did, the bank refused to assess her application.
'I was shocked and I was angry to begin with - I just thought it was ridiculous,' she said.
'It feels like financial discrimination, but apparently in New Zealand they can discriminate on the basis of your job.
'There are a lot of New Zealanders that fall under that category and we pay tax - I pay heaps of tax.'
Eventually, she was able to secure a loan from another bank and buy a house in the national capital Wellington.
But Ms Kelly said the rejection from the first bank, which she had decided not to name, had left a sour taste.
'It's crazy to me, because if it's a moral issue - and mantra88 moral issues shouldn't enter into banking - then do they support businesses that sell cigarettes or gambling products?' she said.
'If my money's not good enough for you, then I don't want to bank with you anyway.'
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