Kāinga Ora First Home Loan (5% deposit, government-underwritten)
First Home Loan (Kāinga Ora)
Paid by Kāinga Ora — Homes and Communities · 🇳🇿 New Zealand
What this pays
The published value, how it is calculated, and whether it is cash or a credit ceiling.
Email and a six-digit code, then €50 a year. No password to forget.
Who qualifies
UnlockThe 4 published rules this programme tests you against — age, income, residency, household and the rest.
The steps, documents and official link are part of the paid plan. Checking how much you're owed stays free.
3 documents you'll need
UnlockExactly what to gather before you start, so nothing sends you back to the beginning.
Where this comes from
A First Home Loan can make it easier for you to get into your first home by lowering the required deposit to 5%.
https://www.govt.nz/browse/housing-and-property/buying-or-selling-a-home/buying-your-first-home/
A researcher has read this record against the official page.
Last checked against the official page on 5 October 2026
Source: www.govt.nz
Report an error Something wrong or out of date? Tell us.
Related reading: How to read a grant eligibility rule
Other housing & rent support in New Zealand
7 more programmes are on the paid plan, with the amount, the rules, the documents and the steps for each.
- Emergency Housing Special Needs Grant
- Housing Support Products — bond, rent in advance, rent arrears and moving cost grants
- KiwiSaver first-home withdrawal
- Kāinga Whenua Loan (build or buy on Māori land)
- Kāinga Ora Tenant Home Ownership Grant
- Rates Rebate Scheme (local council rates relief for low-income homeowners)
- Council rates postponement schemes for older or hardship homeowners
Similar programmes
Kāinga Whenua Loan (build or buy on Māori land)
Kāinga Ora — Homes and Communities
Emergency Housing Special Needs Grant
Ministry of Social Development — Work and Income
Income-Related Rent Subsidy (public/social housing rent at 25% of income)
Ministry of Social Development / Kāinga Ora / Community Housing Providers
Kāinga Ora Tenant Home Ownership Grant
Kāinga Ora — Homes and Communities
Rates Rebate Scheme (local council rates relief for low-income homeowners)
Department of Internal Affairs (administered by local councils)
Accommodation Supplement (weekly rent/board/mortgage help)
Ministry of Social Development — Work and Income