Funding Tools and Resources

Banks

Explore Your Options for Funding Your Mortgage

You have the flexibility to choose mainstream bank lending instead of Kaenga Hou to fund your mortgage.

We can connect you with one of the trusted banks we work closely with—ASB, BNZ, Westpac, or Kiwibank. A mobile mortgage manager will meet with you to guide you through the process, ensuring you feel confident every step of the way.

Want to get a head start? Use the banks’ mortgage calculators to explore what you might be able to borrow. For more details about their lending terms and conditions, visit their websites directly.

Whatever option you choose, we’re here to support you on your journey to home ownership.

Kiwisaver

For our Rent to Buy and Shared Ownership pathways you need to be a First Home Buyer. Your KiwiSaver contributions can be used to go towards your deposit.

You can withdraw some or all of your KiwiSaver savings (except for the $1,000 kick-start and member tax credit) to put towards buying your first home. You need to have been a KiwiSaver member for three or more years and you can only withdraw money to buy your first home. For more information, go to ird.govt.nz/kiwisaver

Budgeting Advice

‘Sorted’ is a fantastic New Zealand resource offering free, impartial information and calculators to help you manage your money throughout life.

Sign up and explore:

Take their 6 steps to get your money Sorted!

First Home Loans

Already Have a 5% Deposit?

Finding the deposit for your first home can be a challenge, 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, and you may not need our assistance.

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

To learn more about this option; eligibility criteria, participating banks, interest rates and fees visit https://kaingaora.govt.nz/home-ownership/first-home-loan/

Home Ownership information

Interested in learning about buying your first home.

Check out https://www.settled.govt.nz/! Buying a home is one of the biggest financial decisions you’ll ever make. It can be a complex and sometimes stressful process. Settled.govt.nz will help to inform and guide you through the process.