First Home Loan

Your Gateway to Home Ownership

Make Home Ownership a Reality with a First Home Loan

Securing your first home doesn't have to be out of reach. A First Home Loan simplifies the process by reducing the deposit requirement, allowing you to focus on finding the perfect home and making it your own.

A First Home Loan is designed to assist first-time home buyers who can manage regular mortgage repayments but struggle to save for a hefty deposit. With the backing of Kāinga Ora, this loan allows you to secure a home with just a 5% deposit, significantly reducing the financial burden typically associated with purchasing your first home.

Lower Deposit Requirement

Only 5% deposit needed, compared to the usual 20%, making home ownership more accessible.

Available Selected Lenders

First Home Loans are offered by select banks and lenders and underwritten by Kāinga Ora – Homes and Communities.

Flexible Usage

Some lenders may allow you to use a First Home Loan to purchase vacant land and build a new home. Check with participating banks or lenders for specific criteria.

What a First Home Loan Covers?

Low Deposit, High Potential

With only a 5% deposit required, you can move into your first home sooner.

Participating Lenders

Access First Home Loans through a network of selected banks and lenders supported by Kāinga Ora.

Building New Opportunities

Some lenders may allow the use of First Home Loans for buying land and building a new home, providing flexibility in your home buying journey.

Financial Accessibility

Designed for those who can afford regular mortgage repayments but struggle to save for a larger deposit.

Community Support

acked by Kāinga Ora – Homes and Communities, ensuring reliable and supportive lending practices.

Ready to take the next step

Our experts are here to assist you with your mortgage and insurance needs.
Enquire now or call us today!

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