LH building site FINAL First Home Decision Tool

A place to call your own? Here’s a helping hand.
You could qualify for a 5% deposit First Home Loan or a First Home Grant of up to $10,000 per person – or even both.

First Home decision tool tile First Home Grant

If you're a first-time home buyer, or a previous home owner and you've been making regular KiwiSaver contributions for 3 - 5 years, you may be eligible for a First Home Grant of up to $10,000. You apply for the grant through Kāinga Ora - Homes and Communities.

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GLT lifting with bike FINAL cropped First Home Loan

First Home Loans make it easier for you to get into your first home.

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Kainga whenua family Kāinga Whenua

Access to finance for Maori building on multiple-owned Maori land.

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Kiwisaver first home withdrawal KiwiSaver first-home withdrawal

If you have been a member of KiwiSaver for at least three years, you may be able to withdraw all, or part, of your savings to put towards buying your first home.

Kiwibuild temporary KiwiBuild

KiwiBuild gives more New Zealanders the opportunity to buy their own home.

Tenant home ownership banner Tenant home ownership

Would you like to buy your Kāinga Ora house?

Working with KiwiSaver Kāinga Ora working with KiwiSaver

Kāinga Ora has involvement with KiwiSaver in two ways.

Finance banner Home ownership resources

Kāinga Ora administers a number of government programmes to assist first home buyers (and also some previous home owners) on to the home ownership ladder.