Home ownership

Home ownership

Thinking about buying your first home but not sure where to start? Kāinga Ora offers and supports several products that can give you a helping hand towards home ownership. Have a look at what could be right for you.

Home Ownership team holiday hours

The Home Ownership team will be out of the office over the holiday period, from 12pm Wednesday, 24 December 2025, returning 8am on Monday, 5 January 2026.

Note that any applications or correspondence received after Monday, 15 December 2025 may not be reviewed until the week commencing Monday, 12 January 2026.

Kiwisaver first home withdrawal KiwiSaver first-home withdrawal

If you have been a member of KiwiSaver for at least 3 years, you may be able to make a withdrawal from your savings to put towards buying your first home.

Guide to home ownership Guide to buying a home

We’ve put together a guide to show you what you need to do and when to do it so you can navigate your journey with mana and confidence.

first home loan img First Home Loan

A First Home Loan can make it easier for you to get into your first home by lowering the required deposit to 5%.

LH building site FINAL First Home Decision Tool

Kāinga Ora offers several products to help New Zealanders into home ownership. If you are thinking about buying a home, use our tool to see what you could be eligible for.

kainga whenua img Kāinga Whenua

The Kāinga Whenua Loan is designed to support whānau Māori with their housing aspirations and remove some of the barriers to accessing finance.

tenant home ownership img Tenant home ownership

If you are currently a Kāinga Ora tenant, you may be eligible for a grant to go towards purchasing the home you’re living in.

FHP First Home Partner

The purpose of this page is to assist existing First Home Partner customers. This scheme is now fully subscribed.

home ownership resources tile Home ownership resources

Download our product brochures and access useful links to websites that can help you through the path to home ownership.