Summary: What government help can I get as a first home buyer in New Zealand?

Short answer: KiwiSaver withdrawal, First Home Grant (up to $10,000), First Home Loan (5% deposit), First Home Partner (shared equity).

What this actually means in plain English

You have four main programs: KiwiSaver withdrawal (your own savings), First Home Grant (up to $10,000 free), First Home Loan (5% deposit), and First Home Partner (shared equity). Use them together. Check income and price caps. Apply early.

Key Facts

KiwiSaver: your savings after 3 years
First Home Grant: up to $10,000 cash
First Home Loan: buy with 5% deposit
First Home Partner: govt co-owns up to 25%
Can use multiple programs together

Example

Kiwi Saver: $25,000

First Home Grant: $5,000

First Home Loan: Only need 5% deposit

Total Help: $30,000 + lower deposit requirement

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