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 been discontinued, several support options remain for first home buyers. You can still withdraw most of your KiwiSaver balance after three years to contribute to your deposit.
The main government-backed option is the First Home Loan, underwritten by Kāinga Ora, which allows eligible buyers to purchase a home with as little as a 5% deposit. Other pathways include Kāinga Whenua Loans for Māori land, 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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