Nau mai, haere mai. On 1 October, Housing New Zealand joined HLC and KiwiBuild to form Kāinga Ora – Homes and Communities.

Information on this site is still current. For more information about Kāinga Ora visit the Kāinga Ora website.


Published: 1 October 2019

Participating lenders credit criteria

Whilst Housing New Zealand sets the eligibility criteria, it is the lender that assesses First Home Loan applications, and makes their lending decision.

In addition to meeting the governments eligibility for a First Home loan, you will also need to meet the lending criteria of your preferred lender before your loan can be made.

All banks and credit unions have slightly different lending criteria but they will include your financial ability to repay the loan, your financial circumstances, your credit history and the way you’ve conducted your bank accounts in the past.

Lenders link)

Call Free: 0800 177 277 link)

Call Free: 0800 231 232 link)

Call Free: 0800 272 278

Contact us(external link) link)

Call: 09 579 0448 link)

Call free: 0800 134 034 link)

Call Free: 0800 727 2265 link)

Call Free: 0800 BAYWIDE

Email: link)

Call Free: 0800 101 700

Email: link)

Call Free: 0800 332 837

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