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Home loan For First Home Owners

First time home buyers can receive help from the government when purchasing a home in New Zealand through “Welcome Home Loan “

Welcome Home Loans help first home buyers to get loans.


People with modest incomes can get a home loan with little or no deposit. These people lie in the outside standard of lending criteria. 

Housing New Zealand Corporation provide lenders mortgage insurance to participating banks, building societies and other lending institutions however Housing New Zealand Corporation is not the lender. 

Anyone interested in a Welcome Home Loan should discuss their requirements and individual situation with a participating lender. (At our seminar, we will provide you the list of participating lender) Each participating lender will have its own interest rates and fees.

Maximum amount of “Welcome Home Loan” a home buyer can get.


You can borrow up to $200,000 with no deposit required.

Requirement for the Welcome Home Loan


To be eligible for Welcome Home Loan applicants must have these requirements:
  • Earn under the income caps
  • Be buying the house to live in
  • Not currently own a home
  • Be able to afford the repayments of the home loan plus any other debts they may have.
  • Have a good credit record.
  • Meet any other criteria that the lender may apply.
Applicants need to be a New Zealand citizen, or be a permanent New Zealand resident - hold a 'Permanent Resident Visa', to be eligible. Various other criteria may also apply, including employment/income criteria. First home buyers must check their situation with their preferred lender to see if they are eligible.
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