You may be able to get government help to buy your first home if you’re a KiwiSaver member, a Kāinga Ora tenant and wish to buy the house that you live in, or are Māori and want to live on your ancestral land.
Kāinga Ora – Home and Communities offers a range of home ownership options when buying a house or land to build on:
Check the Kāinga Ora website for more information about home ownership and lenders’ credit criteria.
Use the online tool to check your eligibility for a loan or grant.
You can apply to withdraw your KiwiSaver savings to put towards buying your first home if you have belonged to your KiwiSaver scheme for at least 3 years.
Find out more on the Kāinga Ora website.
Inland Revenue has more information about:
If you are contributing to a superannuation fund scheme other than KiwiSaver, contact Kāinga Ora to ask if you can use the fund in a loan application.
There are rules for buying or building residential property in New Zealand. Check with the Overseas Investment Office on the Land Information NZ website.
If you need more help or have questions about the information or services on this page, contact one of the following agencies.