Buying land to build a new home on - eligibility

Published: 1 August 2016

A builder with a couple looking at building plans

If you are buying land to build a home on, the following criteria need to be met.


(If you are buying an existing / older home or a new home click here.

If you are buying a home off the plans directly from a builder / developer click here.)


  • I do not currently own property/land

  • I have a signed agreement for sale and purchase for land, which has not yet settled, and I have imminent plans on building a new home on the land.

  • I have a signed fixed price building contract that clearly shows the cost of building the home and the projected dates for the start and completion of the construction (you will need to supply us with a code compliance certificate to show that this has been done on or before the projected date for completion).

  • The total cost for both the land purchase and the house construction is within the house price caps. All regions are based on the Territorial Local Authority boundaries.

  • I will live in the house as my primary place of residence for at least six months from the date the code compliance certificate is issued.

  • I have funding for the construction of the home.

  • The land or site is ready to build on.


When buying vacant land which is ready to build on and where you plan to build your first home, please note that if eligible, the HomeStart grant must be used towards the purchase of the land and cannot be paid towards the costs of building the property after you have purchased the land. Therefore, the completed application and all of the relevant supporting documents must be submitted at least four weeks prior to the settlement date for the land purchase. If all of the above is submitted after the land has been purchased and the land registered in your name, you will no longer be eligible for the HomeStart grant to assist with the building costs.

If you are buying land with a view to relocating an existing/older home on the site, you need to provide Housing New Zealand a signed copy of the agreement for sale and purchase for the land, along with evidence of the cost to purchase and relocate the property and a copy of a fixed price contract that clearly states the cost and projected timeframe to have the property consented and habitable. You need to provide a copy of the code compliance certificate to show that this has been done. Note that this type of transaction would not be eligible for the higher grant rate and would only be potentially eligible for a grant of between $3,000 and $5,000.



The house price caps


House price cap for existing/older properties

House price cap for new properties

Auckland $600,000 $650,000
Hamilton City, Tauranga City, Western Bay of Plenty District, Kapiti Coast District, Porirua City, Upper Hutt City, Hutt City, Wellington City, Tasman District, Nelson City, Waimakariri District, Christchurch City, Selwyn District, Queenstown Lakes District $500,000 $550,000
Rest of New Zealand $400,000 $450,000


If you meet the above criteria you can start the application process now.

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