Buying guide
NZ government help for first home buyers (2025)
Need a hand from the man?
AI summary
Navigating the property market is easier with government support for first home buyers. The First Home Loan scheme, underwritten by Kāinga Ora, allows eligible Kiwis to buy with as little as a 5% deposit.
You can also use a KiwiSaver first home withdrawal to boost your deposit. Specific support includes Kāinga Whenua Loans for building on Māori land and a tenant home ownership program. Note the First Home Grant has been discontinued, but alternatives like co-ownership exist.
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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