Make your first home happen

Before committing to a long-term loan, see what home ownership will feel like.

Use our first home buyer calculator to understand your deposit and repayments. Many people aim for 20%, but lower deposit options may be available depending on your situation.

Talking to a home loan specialist early helps you sense‑check your plan, and understand the process and what options are available.

For extra support along the way, get tips from our experts straight to your inbox.

Saving a deposit isn’t just about willpower — it’s also about making the money harder to dip into.

• Notice Saver: adds friction with required notice periods for withdrawals.
• Term Deposit: locks in savings for a set period at a set rate.

A little friction now protects future-you from impulsive “I’ll pay it back later” moments.

When your savings have a story, you’re far less likely to raid them on a whim.

Rename your deposit account and add a photo to make the trade‑off real.

Tools like Goal Tracker help you see every step toward the finish line.

Set up a recurring transfer so part of your pay goes straight into your deposit savings.

You won’t miss what you never see — and your deposit grows quietly in the background.

Work out the difference between your rent and what a mortgage, rates and insurance might cost. Save the difference.

You’ll grow your deposit faster, test out the real costs and show the bank you’re already living like a homeowner.

If this feels uncomfortable, take a look at your finances and adjust the plan until it fits your real life.

If you’ve been in KiwiSaver for at least three years and you meet the criteria, you may be able to withdraw some of it for your first home.

Government support may also help eligible buyers with smaller deposits.

A home loan specialist can help you understand your options.

Buying a home doesn’t have to be a solo mission.

Co-own lets you combine savings and buy a home together with friends or whānau. You can also support and hold each other accountable for savings goals.