Verified You must apply
Housing & rent
In-kind support
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.
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Who qualifies
The 3 published rules this programme tests you against — age, income, residency, household and the rest.
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The steps, documents and official link are part of the paid plan. Checking how much you're owed is free and always will be.
3 documents you'll need
Exactly what to gather before you start, so nothing sends you back to the beginning.
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Where this comes from
With a First Home Loan, you only need a 5% deposit. Kāinga Ora underwrite the loan... (First Home Grant and First Home Partner are no longer available).
https://www.govt.nz/browse/housing-and-property/buying-or-selling-a-home/buying-your-first-home/
Last checked 2026-08-12 · a researcher confirmed this against the official page
Other housing & rent support in New Zealand
Accommodation Supplement (weekly rent/board/mortgage help)
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Verified
Income-Related Rent Subsidy (public/social housing rent at 25% of income)
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Not human-checked
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