Home ownership :: Kāinga Ora – Homes and Communities

Home ownership

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

Home Ownership Products team holiday office hours

The Kāinga Ora Home Ownership Products team will be out of the office over the holiday period, from 12pm on Friday 22 December 2023 until 8am on Monday 8 January 2024.

Please note that your application or any correspondence submitted during this period may not be assessed until Monday 15 January 2024.

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.

First Home Grant

Find out if you are eligible and apply for up to $10,000 towards your first home.

First Home Partner

First Home Partner can help bridge the gap if your deposit and home loan aren’t quite enough to buy a new home.

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%.

Kāinga Whenua

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

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.