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The three main schemes that are worth checking out if you’re a first home buyer are:

Work out what your options are


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A minimum deposit of 10% is required for a Kiwibank Welcome Home Loan. A low equity fee may apply. KiwiSaver, Kiwibank Limited and Welcome Home Loans terms and conditions (including lending criteria), fees and charges apply. For loans of over 80% of the property’s value, all banks including Kiwibank are subject to Reserve Bank restrictions.

Download the Product Disclosure Statement for the Kiwi Wealth KiwiSaver Scheme (PDF 291.8 KB) or pick up a copy from your local Kiwibank.

Kiwi Wealth Limited is the Issuer and Manager of the Kiwi Wealth KiwiSaver Scheme (the Scheme) and is a related company of Kiwibank Limited. Kiwibank is a distributor but is not an issuer of the Scheme. Investments made in the Scheme do not represent bank deposits or other liabilities of Kiwibank and neither they nor any other person guarantees the repayment of members’ interests in the Scheme or the payment of any earnings or returns on investment in the Scheme. Investments in the Scheme are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances and loss of investment value.