Kāinga Ora Home Loans

If your household earns less than $150,000 a year, you could qualify to buy a home in New Zealand with a deposit as low as 5%.

Eligibility for Kāinga Ora First Home Loan

To be eligible for Kāinga Ora First Home Grants, applicants must be first-time home buyers or in a similar position to one. Additionally, regular KiwiSaver contributions for at least three years and a household income of less than $150k. You still need to apply through a broker or bank but here is the First Home Decision Tool that you can use to see what you could apply for. https://kaingaora.govt.nz/en_NZ/home-ownership/first-home-decision-tool/

Work with us

How It Works

  • Apply with us directly. We can apply to participating banks (not all banks offer this deal) .

  • Have a 5% deposit ready to purchase your first home.

  • The banks will assess your application with Kāinga Ora to ensure you're eligible.

  • When you purchase your first home, you'll need to pay a one-off Lenders Mortgage Insurance (LMI) premium.

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Kāinga Ora First Home Grants have been CUT

Kāinga Ora First Home Grants are NO LONGER available. Previously up to $10,000 was available. The grants were cancelled in May 2024. The funds have been redirected to support building more houses and provide new social housing. 

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