You can apply for either:

  • a pre-approval before you start looking for a property to buy – this gives you certainty around eligibility and how much you may qualify for or;
  • a grant approval if you've found a property and have a signed sale and purchase agreement.

We strongly recommend you apply for pre-approval. It takes the guess work out and helps speed up the process.

Applying before you find a property

To apply for pre-approval, you need to complete the First Home Grant application, including documents that show your income and KiwiSaver contributions.

Pre-approvals are valid for 6 months – if you have not bought a home in that time you will need to reapply.

If you have a pre-approval, once you have found a property to buy, you need to provide us with the relevant documents two weeks prior to the settlement date.

Apply for pre-approval

Applying after you've had an offer accepted

If you have made a successful offer on a property and don't have a pre-approval, you need to apply for a First Home Grant at least 4 weeks before the day of settlement.

Apply for full approval

Page updated: 17 October 2019