NZ government help for first home buyers (2025)

First home buyers in New Zealand can access several government support options to get on the property ladder. Key initiatives include First Home Loans, underwritten by Kāinga Ora, which allow an eligible purchase with just a 5% deposit.

Other support includes Kāinga Whenua Loans for Māori building on ancestral land and the popular KiwiSaver first home withdrawal. Eligible Kāinga Ora tenants may also buy their rental. Note the First Home Buyer's Grant has been scrapped.