Buying guide
NZ government help for first home buyers (2025)
Need a hand from the man?
AI summary
First home buyers in New Zealand can access several government support options. The First Home Loan, underwritten by Kāinga Ora, allows eligible buyers to purchase with as little as a 5% deposit, subject to income caps and other criteria.
Other key initiatives include:
- Kāinga Whenua Loans for building on Māori land
- KiwiSaver first home withdrawal
While the First Home Grant is no longer available, alternatives like co-ownership and guarantor loans provide other pathways to home ownership.
Government housing initiatives for home buyers
First Home Loans
Need a hand with your deposit?
Kāinga Whenua Loans
Tenant home ownership
Kiwisaver first home withdrawal
Ready to buy your first home?
The First Home Buyer’s Grant
Other ways to get help
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