Kāinga Whenua

Kāinga Whenua loan - lending for housing on multiple-owned Māori land

Housing New Zealand and Kiwibank are working together to help Māori to achieve home ownership on their multiple-owned ancestral land. They are introducing a new loan called Kāinga Whenua.

If you have a right to live on multiple-owned Māori land (hold a licence to occupy), a Kāinga Whenua loan allows you to build, purchase or relocate a house on that land.

With a Kāinga Whenua loan, Kiwibank can lend you 100 percent of the house building costs or the purchase price of the house, up to $200,000, subject to certain conditions.

A multi-borrower option is available with Kāinga Whenua that allows three or more borrowers in a single household to apply for the loan and contribute to the loan repayments. This is aimed at multi-generational households.

Read an introduction on the Kāinga Whenua loan online in English or Te Reo, or by downloading the Introducing Kāinga Whenua brochure (PDF Document, 179kb).

Want to know more?

To learn how the process of applying for a Kāinga Whenua works in full detail, read the Kāinga Whenua Loan Guide (PDF Document, 2135kb)