Buying guide

Getting financial support for buying your first home in New Zealand

It pays to do your research.

Al Hall
Last updated: 26 August 2025 | 6 min read
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Navigating your first home purchase is easier with financial support. This guide outlines key options to boost your deposit and secure a loan in New Zealand.

You can make a first-home withdrawal from your KiwiSaver after three years. The First Home Loan scheme helps eligible buyers purchase with a deposit as low as 5%.

Kāinga Whenua Loans assist Māori buying or building on multiple-owned land. Help from family, like a cash gift or loan guarantee, is another common strategy.

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. Help from family

Author

Al Hall Al Hall
Content Writer