Buying guide
NZ government help for first home buyers (2025)
Need a hand from the man?
AI summary
First home buyers in New Zealand can access several government support options. The First Home Loan, underwritten by Kāinga Ora, allows eligible buyers to purchase with a 5% deposit. Other schemes include Kāinga Whenua Loans for building on Māori land and Tenant Home Ownership grants.
You can also use your KiwiSaver first home withdrawal. Note the First Home Grant has been scrapped. Alternative options include co-buying with family or using a guarantor for your loan.
Government housing initiatives for home buyers
First Home Loans
Need a hand with your deposit?
Kāinga Whenua Loans
Tenant home ownership
Kiwisaver first home withdrawal
Ready to buy your first home?
The First Home Buyer’s Grant
Other ways to get help
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