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.

Kāinga Whenua

Published: 15 May 2016

Access to finance for Maori building on multiple-owned Maori land.

Kāinga Whenua Loan Scheme

The Kāinga Whenua Loan Scheme is an initiative between Housing New Zealand and Kiwibank to help Māori achieve home ownership on their multiple-owned land.


The loans are available for both Māori land trusts, and individuals with a right to occupy their multiple-owned Māori land. The requirements and application process are different, so please select the option you are interested in to learn more.

Obtaining finance to develop housing on Māori land can be difficult because the land status makes it problematic for lenders to take security over the house and land, as they do with normal housing loans. A Kāinga Whenua loan is secured only against the house, not against the house and land as with most home loans.

Kiwibank approves and provides the loan, and you will need to meet their standard lending criteria as well as the Kāinga Whenua criteria. Housing New Zealand provides lenders’ mortgage insurance for the loan.

A Kāinga Whenua loan also puts limits on the type of house you can build, purchase or relocate to the land. It must be a one-storey house of at least 70 metres, on piles, and with reasonable road access. It must be located on the mainland North or South islands.

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