Buying guide

NZ government help for first home buyers (2025)

Need a hand from the man?

Last updated: 8 March 2025 | 4 min read

AI summary

First home buyers in New Zealand can access several government support schemes to get on the property ladder.

Key options include:

- The First Home Loan, underwritten by Kāinga Ora, for eligible buyers with as little as a 5% deposit.

- Kāinga Whenua Loans to help Māori build on multiply owned Māori land.

- KiwiSaver first home withdrawal to use your savings for a deposit.

Note that the First Home Grant has been scrapped. Other paths include buying with family or rent-to-own schemes.

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