Make home a place you own
Co-own, a different way to own
With Co-own, you may be able to turn the dream of owning a home into reality by teaming up with friends or whānau! Buying a property together is a way to get on the property ladder sooner.
Guides to buying your first home
From saving your deposit and getting on the property hunt, to finalising your home loan structure and settling on your new home — we've got tools and specialists to help.
Buying with less than a 20% deposit
If you don't have a 20% deposit but you're still keen to buy, you have some options. You might be able to get into your new home with a smaller deposit.
Podcast: Home ownership for solo buyers
Listen to journalist Bernard Hickey from 'When the Facts Change' talk to Kiwibank's Philippa Scott and Pip Maxwell on how Co-own could be an option to get you into your first home sooner than you think. Episode: The pathway to home ownership for solo buyers.
Tools & guides to get you there
Start your home buying journey
Talk to a specialist
Our home loan specialists can walk you through the process of buying a home and discuss what your options are.
Try our calculators
Looking to fine tune the structure of your home loan or work out how much you might be able could borrow? Use our calculators to compare your options.
Calculate nowGet first home buyer tips in your inbox
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Sign up for the newsletterHome loan standard terms and conditions
Displayed interest rates are subject to change. Kiwibank’s lending criteria, terms and conditions, and fees apply.
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Co-own: Maximum four people per application. Offset home loan may not be available. Excludes business banking.