Buying guide
Can I buy a house with no deposit?
No deposit saved? No worries. In some cases it’s possible to buy a house without one.
AI summary
While challenging, buying a home in NZ with little to no deposit is possible. Options include applying for a low deposit loan through a lender or a Kāinga Ora backed First Home Loan, which may only require 5% down.
You can also withdraw from your Kiwisaver or ask parents to act as a guarantor. A mortgage broker is an expert in finding funding for non-standard situations and can provide tailored advice for your specific financial circumstances.
Apply for a low deposit loan
If you don't have a big deposit saved it may still be possible to buy a home.
Withdraw your Kiwisaver
Tap the bank of mum and dad
Speak to a mortgage broker
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