Originally published 5 December 2022. Programme information reviewed against official sources on 7 September 2026.
Planning your first home starts with understanding your savings, borrowing options and the support you may be eligible for. This overview is general information, not confirmation that you or a particular property qualifies. Check the current rules with the relevant provider before making a decision.
First Home Loan
First Home Loans are offered by selected lenders and underwritten by Kāinga Ora. They can help eligible buyers purchase with a lower deposit. A participating lender can assess your circumstances and explain its requirements. Read Kāinga Ora’s First Home Loan guidance.
KiwiSaver first-home withdrawal
Eligible KiwiSaver members may be able to withdraw savings towards a home they intend to live in. This is separate from the discontinued First Home Grant. Apply through your scheme provider; previous homeowners may also need a Kāinga Ora eligibility assessment. Check KiwiSaver first-home withdrawal requirements.
Kāinga Whenua
Kāinga Whenua loans support housing on multiply-owned Māori land, with options for individuals and Māori collectives. Read the official Kāinga Whenua guidance to understand the programme and its requirements.
Programmes no longer open to new applicants
- First Home Grant: ended in May 2024 and is no longer available. See the New Zealand Government’s first-home financial support guidance.
- First Home Partner: the scheme is fully subscribed and is not accepting new applications. Kāinga Ora’s First Home Partner page provides information for existing customers.
Original linked resource
The PDF linked below has not been reviewed as part of this update. Check current official sources before relying on any eligibility or funding figures in it.
Talk to our team about Williams Corporation homes. For funding eligibility and borrowing advice, contact the relevant scheme provider, lender or financial adviser.
We’d love to help you make your first step onto the property ladder with one of our Williams Corporation homes.
Sources: official Kāinga Ora and New Zealand Government pages linked above.
