NZ government help for first home buyers (2025)

First home buyers in New Zealand can access several government initiatives to get on the property ladder. Key support options are underwritten by Kāinga Ora and other agencies.

These include:

- First Home Loans, allowing eligible buyers to purchase with as little as a 5% deposit.

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

- KiwiSaver first home withdrawal for your deposit.

Note the First Home Grant has been discontinued, but alternatives like co-ownership exist.