Buying your first home in New Zealand can be an overwhelming experience, but the government’s first home buyers grant offers much-needed relief. As of 2025, updates to the NZ Housing Support 2025 scheme make it easier for eligible Kiwis to step onto the property ladder with financial assistance. Whether you’re an individual or a couple, this grant could be your ticket to a secure and affordable home.
The grant is part of a broader push by the New Zealand Government to address housing affordability challenges and help first-time buyers overcome financial barriers. This article breaks down the eligibility criteria, the amount you could receive, and how to apply in 2025.
What Is the First Home Buyers Grant?
The first home buyers grant (also known as the First Home Grant) is administered by Kāinga Ora and offers up to $10,000 in financial support for eligible Kiwis buying or building their first property. It complements other forms of NZ Housing Support 2025 like KiwiSaver withdrawals and shared ownership programs.
As of July 2025, the following updates have been made to the grant:
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Increased house price caps for urban regions
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Simplified application process through the Kāinga Ora portal
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Digital verification for income and residency documents
The grant offers two payment tiers based on your buying type:
| Property Type | Grant Amount (Individual) | Grant Amount (Couple) |
|---|---|---|
| Existing Home | Up to $5,000 | Up to $10,000 |
| New Build/Home | Up to $10,000 | Up to $20,000 |
These amounts are paid directly to your solicitor on settlement day.
Eligibility Criteria for 2025
To qualify for the first home buyers grant, applicants must meet a set of criteria related to income, residency, property type, and deposit.
Here are the basic eligibility requirements under NZ Housing Support 2025:
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Must be at least 18 years old
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Must be a New Zealand citizen or permanent resident
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Income cap: $95,000 for single applicants or $150,000 for couples
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Must have contributed to KiwiSaver for at least three years
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The home must be within the price cap (varies by region)
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Minimum deposit: 5% of the purchase price
Applicants must also plan to live in the home for at least 6 months from settlement or construction completion.
How to Apply for the First Home Buyers Grant
Applying for the first home buyers grant in 2025 is easier than ever, thanks to improvements in digital processing by Kāinga Ora. Applications can be submitted online with document uploads and tracking features.
Steps to apply:
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Visit Kāinga Ora’s official website
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Complete the pre-approval form (valid for 6 months)
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Submit supporting documents: ID, proof of income, KiwiSaver contributions
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Await confirmation within 15–20 working days
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Provide grant approval to your solicitor before settlement
You should ideally apply for pre-approval before signing a sale and purchase agreement. If you’re buying at auction, special rules may apply.
Benefits of the NZ Housing Support 2025 Scheme
The NZ Housing Support 2025 initiative goes beyond just the grant. It also includes deposit subsidies, shared ownership models, and support for new builds—encouraging sustainable housing options.
Here are some additional benefits first-time buyers can access:
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KiwiBuild properties eligible for grant
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Shared equity options through housing providers
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Lower interest rates on first-home loans via partner banks
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Reduced legal and documentation costs via selected agents
These benefits, combined with the first home buyers grant, create a well-rounded support system for young families and new residents eager to enter the housing market.
Conclusion
The first home buyers grant in New Zealand is one of the most effective tools for making property ownership more accessible. In 2025, with enhanced grant amounts, streamlined applications, and broader support under the NZ Housing Support 2025 program, more Kiwis than ever can take that important step toward securing their first home.
If you’re planning to buy or build your first home this year, don’t miss the opportunity to explore this grant and other financial tools designed specifically for first-time buyers. Start your application early, gather the required documents, and take advantage of what the government is offering.
FAQs
What is the maximum amount offered under the First Home Buyers Grant in 2025?
You can receive up to $10,000 for a new build and up to $5,000 for an existing home. Couples may receive up to $20,000.
Who is eligible for the first home buyers grant?
New Zealand citizens or residents who meet the income caps, have contributed to KiwiSaver for 3 years, and are buying their first home are eligible.
What is the minimum deposit required?
You need a minimum deposit of 5% of the property’s purchase price.
How long does it take to process the grant application?
Processing usually takes around 15–20 working days once all documents are submitted.
Is the grant available for buying at auction?
Yes, but pre-approval is strongly recommended before participating in an auction.
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