Nau mai, haere mai. On 1 October, Housing New Zealand joined HLC and KiwiBuild to form Kāinga Ora – Homes and Communities.

Information on this site is still current. For more information about Kāinga Ora visit the Kāinga Ora website.

First Home Loan

Published: 1 October 2019

First Home Loans make it easier for you to get into your first home.

Finding the deposit for your first home can be a struggle, with most lenders currently requiring a minimum 20% deposit. But with a First Home Loan you only need a 5% deposit which means getting into your first home is that much easier.

First Home Loans are issued by selected banks and other lenders, and underwritten by Housing New Zealand. This allows the lender to provide loans that would otherwise sit outside their lending standards.

If you are interested in a First Home Loan discuss your requirements and your individual circumstances with a participating lender.

  • Are you eligible? - There are First Home Loan eligibility criteria as well as the lender's credit criteria.
  • How to apply - Have a look at the quick guide to find out how you apply for a First Home Loan.
  • List of lenders - Choose your preferred lender from this list of participating First Home Loan lenders.
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