Buying guide

Kāinga Ora First Home Partner Scheme explained

Need a hand buying a home? Kāinga Ora may be able to help.

Ben Tutty
Last updated: 8 March 2025 | 4 min read
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The Kāinga Ora First Home Partner scheme is a shared ownership program for first-home buyers who can service a mortgage but lack a sufficient deposit.

Kāinga Ora contributes up to 25% or $200,000 towards a new build, which you aim to buy back within 15 years. Applicants need a minimum 5% deposit and must meet criteria including:

- Household income under $130,000

- Buying a brand new home

The scheme is currently fully subscribed, but check for future openings.

What is the First Home Partner Scheme?

To be eligible for First Home Partner you must:

How to apply

Need a hand buying your first home?

The First Home Partner Goals Management Programme

Your obligations as part of the First Home Partner Scheme

A little help can go a long way.

Before you apply

Author

Ben Tutty Ben Tutty
Content Writer