Buying your first home in New Zealand involves more moving parts than most people expect — KiwiSaver withdrawals, income caps, LVR restrictions, pre-approval, auctions, and legal processes. This section covers every stage.
Where to Start
- First Home Buyer Guide NZ 2026 — the complete pathway from saving to settlement
- Can I Afford a House in NZ? — honest affordability assessment
- Rent vs Buy NZ — which makes financial sense for you?
- Is Now a Good Time to Buy a House in NZ? — 2026 market conditions, affordability, and the timing debate
- NZ Housing Affordability Crisis Explained — why NZ houses are so expensive and what it means for buyers
Deposit and Affordability
- How Much Deposit Do I Need? — LVR rules, 10% and 20% options explained
- Saving for a House Deposit NZ — strategies to reach your target faster
- Can I Afford a House in NZ? — income requirements by city
Government Support
- First Home Loan (Kāinga Ora) — buy with just 5% deposit
- First Home Grant NZ: closed in May 2024, and what’s available instead
- Using KiwiSaver for Your First Home — withdrawal rules and how much you can access
The Home Buying Process
- House Buying Process NZ — end-to-end guide
Also in Mortgages
- NZ Mortgages Complete Guide — full overview of NZ home loans
- Current NZ Mortgage Rates — what rates you can expect
- LVR Restrictions NZ — RBNZ lending rules explained