First Home Grant
Up to $10,000 (existing) or $20,000 (new build) — a non-repayable government grant. Check eligibility, income caps, and house price limits.
KiwiSaver First Home Withdrawal
How to withdraw your KiwiSaver for a first home. 3-year rule, minimum contributions, and step-by-step process explained.
First Home Partner
Kāinga Ora's shared equity scheme — the government buys up to 25% of your home. No interest, no rent on their share.
NZ Home Loans Guide
Fixed vs floating rates, major bank comparison, mortgage brokers, and how to choose the right loan structure.
Saving a Deposit
LVR rules explained, low deposit options at 5-10%, and practical saving strategies for NZ first home buyers.
NZ Property Buying Process
Auction, negotiation, conditional offers, due diligence, and settlement — the complete step-by-step journey.
Stamp Duty in NZ
NZ does NOT have stamp duty. But there are other costs — solicitors, reports, insurance — explained in full.
Brightline Test
The 2-year (and 10-year) property tax rule explained. When it applies, exemptions, and how it affects first home buyers.
10 Mistakes First Home Buyers Make
NZ-specific pitfalls: pre-approval, auctions, builder reports, KiwiSaver rules — avoid costly errors.
City Comparison
Auckland vs Wellington vs Christchurch vs Tauranga — compare prices, deposits, and where to buy in NZ.
🇳🇿 More New Zealand Resources
ACC Guide New Zealand · Auckland Living Guide · Christchurch Living · IRD Tax Guide NZ · KiwiSaver Guide · Māori Culture Guide · Moving to New Zealand