Buying guide
NZ government help for first home buyers (2025)
Need a hand from the man?
AI summary
First home buyers in NZ can access government support to get on the property ladder. Key options include the First Home Loan, underwritten by Kāinga Ora, which allows eligible buyers to purchase with a 5% deposit.
You can also use your KiwiSaver first home withdrawal for a deposit. Other initiatives include Kāinga Whenua Loans for building on Māori land and the Tenant Home Ownership program. While the First Home Grant is gone, alternatives like guarantor loans 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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