Finding the deposit for your first home can be a struggle, with most lenders currently requiring a minimum 20% deposit. But with a First Home Loan you only need a 5% deposit which means getting into your first home is that much easier.

First Home Loans are issued by selected banks and other lenders, and underwritten by Kāinga Ora. This allows the lender to provide loans that would otherwise sit outside their lending standards.

If you are interested in a First Home Loan discuss your requirements and your individual circumstances with a participating lender.

  • Are you eligible? - There are First Home Loan eligibility criteria as well as the lender's credit criteria.
  • How to apply - Have a look at the quick guide to find out how you apply for a First Home Loan.
  • List of lenders - Choose your preferred lender from this list of participating First Home Loan lenders.

Download the

Page updated: 17 October 2019