Buying guide
NZ government help for first home buyers (2025)
Need a hand from the man?
AI summary
First home buyers can access several government support schemes. Kāinga Ora underwrites First Home Loans, enabling eligible buyers to purchase with just a 5% deposit. Other key initiatives include Kāinga Whenua Loans for Māori building on ancestral land and the KiwiSaver first home withdrawal.
While the First Home Grant has been discontinued, alternative pathways like guarantor loans, buying with friends, or rent-to-own schemes are also options worth exploring to get on the property ladder.
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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