Unfortunately you are viewing this website on an outdated browser which does not support the necessary features for us to provide an adequate experience.
Please switch to a modern browser such as latest version of Google Chrome, Mozilla Firefox, Apple Safari or Microsoft Edge.
On 1 July 2026, the Ministry of Housing and Urban Development is now part of the new Ministry for Cities, Environment, Regions and Transport.
Last updated: 22 May 2025 First Home Loan reduces the deposit requirement to 5% for eligible first home buyers.
There is more information about First Home Loan, including a decision tool, eligibility criteria and how to apply, on the Kāinga Ora - Homes and Communities website(external link)