Buying guide

Kāinga Ora First Home Partner Scheme explained

Need a hand buying a home? Kāinga Ora may be able to help.

Ben Tutty
Last updated: 8 March 2025 | 4 min read
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The Kāinga Ora First Home Partner scheme is a shared ownership program for first-home buyers who can service a mortgage but lack a sufficient deposit.

Kāinga Ora contributes up to 25% or $200,000 towards a brand new home, while you provide a minimum 5% deposit and secure a bank loan. Key eligibility includes a household income under $130,000. The goal is to buy out Kāinga Ora's share within 15 years.

Note: The scheme is currently fully subscribed.

What is the First Home Partner Scheme?

To be eligible for First Home Partner you must:

How to apply

Need a hand buying your first home?

The First Home Partner Goals Management Programme

Your obligations as part of the First Home Partner Scheme

A little help can go a long way.

Before you apply

Author

Ben Tutty Ben Tutty
Content Writer