All life stages
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Buying a Home
Work out what you can afford, tap your KiwiSaver, and get a clear picture of the home-buying process.
7 mins read
📊 Key Numbers for This Stage
First Home Grant
Up to NZ$10,000
For existing homes; NZ$20,000 for new builds (KO scheme)
KiwiSaver withdrawal
Available after 3 years
Leave NZ$1,000 minimum in your account
Minimum deposit
10% for first homes
20% to avoid LMI on investment properties
Mortgage stress test
+2% above offered rate
Banks test your ability to repay if rates rise
✅ Your Action Checklist
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⏭️ What Comes Next?
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Next stage
Growing Family
School costs, family budgeting and insurance