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.

Kāinga Whenua Loans – for Maori land trusts

Published: 15 May 2016

The Kāinga Whenua Loan Scheme is an initiative between Housing New Zealand and Kiwibank to help Māori achieve home ownership on their multiple-owned land. 


Loans are available for individuals and from this year have been extended to Māori land trusts and other collectives (see announcement(external link) by the Associate Minister of Housing).

Housing New Zealand and Kiwibank together assess and administer the Kāinga Whenua Loan Scheme for Māori land trusts and other collectives.

Note: The Government announced changes(external link) to the Kāinga Whenua Loan Scheme on 7 November that extended the definition of Māori land to include land received by iwi and  hapu as part of Treaty settlements.


Registering your interest

If you are a Māori land trust or other collective the first step is to register your interest in applying for a loan by filling in a Registration of Interest (ROI) form.

Completing the ROI form is not a formal application. It will allow us to review and understand your plans, do an initial assessment of your financial eligibility and ensure your application takes advantage of any recent policy changes.

Once your housing development proposal passes this initial screening, it will then proceed to the formal loan application process with Kiwibank.


What you can borrow

With Kāinga Whenua you can borrow up to $200,000 for each proposed dwelling. The approved loan value must include a 10 percent contingency amount – or 5 percent if a Master Build Guarantee is provided. Market interest rates will apply to the loan.

Housing New Zealand takes security over the dwelling by way of a bipartite agreement between the trust and Housing New Zealand.

The houses must be able to be removed from the site if necessary.

When completing the ROI you will need to provide a copy of the trust’s most recent audited accounts and details of your housing project including:

  • number of houses to be built
  • the budgeted cost
  • how you will fund the development
  • your plans for ownership of the houses 
  • the legal entity that owns the land block.

To register an interest in a Kainga Whenua Loan for Māori land trusts:

Download a the PDF of the  form and email to;

Or mail to:

Kāinga Whenua Loans
Kainga Ora - Homes and Communities
PO Box 2628
Wellington 6140

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