Buying guide
Government help and financial support for first home buyers in New Zealand
It pays to do your research.
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AI summary
While the First Home Grant has ended, several key support options remain for Kiwi first home buyers.
You can still access most of your KiwiSaver funds for a deposit after three years of contributions. The main government-backed scheme is now the First Home Loan, underwritten by Kāinga Ora, which allows eligible buyers to purchase a home with as little as a 5% deposit through participating lenders.
Other pathways include Kāinga Whenua Loans, family assistance, and rent-to-own schemes.
What you’ll learn:
Financial help for buying your first home
1. Using your KiwiSaver
Your KiwiSaver can be a big help when buying a home.
2. First Home Loan
You and your partner might be eligible for the same financial help, meaning you can build a bigger deposit together.
3. Kāinga Whenua Loans
4. Tenant Home Ownership grant
5. Help from family
Other pathways worth knowing about
Getting the right advice
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