Buying guide
Everything you need to know about home loan deposits in New Zealand
Your straightforward guide to home loan deposits in Aotearoa.
.png)
What you'll learn
How much deposit is needed to buy a house in NZ?
| Region | Average asking price | Deposit needed (20%) | |||
|---|---|---|---|---|---|
| Auckland | Auckland | $1,006,000 | $1,006,000 | $201,000 | $201,000 |
| Wellington | Wellington | $788,000 | $788,000 | $158,000 | $158,000 |
| Canterbury | Canterbury | $698,000 | $698,000 | $140,000 | $140,000 |
Most home deposits are around 20% of the property's asking price.
Why do lenders care about my home loan deposit?
What can I use for my home loan deposit?
Using your KiwiSaver for your home loan deposit
Using your KiwiSaver can be a big help in reaching your home loan goals.
What is the First Home Loan scheme?
Quick tips for saving for a home loan deposit
Author
Discover More
The future of property is cosy: Why Kiwi are searching for comfort and solar in 2026
Economic pressures, shifting travel habits, and energy costs are fundamentally changing what Kiwi look for in a home.
Billionaire Kim Dotcom's Property Journey
A look through Kim Dotcom’s lavish property journey across New Zealand’s luxury home market.
Search
Other articles you might like
