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.

guide to home ownership img v2 Guide to buying a home

Here’s a helping hand at every step you take towards home ownership.

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%.

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.

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.

FHP First Home Partner

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

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.

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.