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Homepage Life & money

Home & property.

Whatever your home ownership goals are, start your journey here with our helpful guides and resources.

Buying your first home.

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More ways to get into your first home sooner

You could move into your first home without having to save a huge deposit. The government, Kāinga Ora, or your family, could help you on your way.

Family celebrating moving into new house eating pizza
First home buyers' guide

The idea of owning your own home is exciting. This PDF is here to guide you every step of the way.

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How to apply for a home loan

How much can you borrow? What is a conditional approval? All you need to know about applying for a home loan.

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10 tips for growing your deposit

Handy savings tools, calculators, videos and more. All designed to help you grow your savings quickly.

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Home buying costs to consider

Buying a home is a big commitment that comes with new expenses. Make sure you factor in all potential costs.

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Finding a home that's right for you

All it takes is a little research, planning and focus. Here's a few tips to get you started.

Buying your next home.

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Options with your current home

It pays to have a plan. Get started right here with all your options for selling your existing home.

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Ways to sell your home

Consider the advantages and disadvantages of different sales methods and which one could get you the best result.

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Financial considerations

Take a 360 degree view: your home’s value, type of home loan and moving costs.

Building & renovating.

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Build or renovate?

Considering whether to renovate or build is a big decision. Weighing up the pros and cons is a good place to start.

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Ways to finance your renovation

Consider which loan option will best suit your project and financial situation.

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Costs of the building process

Construction costs aren't the only expense you'll come across when building your home.

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Get covered

Build with confidence knowing you're covered during your build or renovation.

Investing in property.

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Getting started in investment property

Consider the benefits, advantages and risks of property investment.

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Do the maths on rental property

Before you become a landlord, look at borrowing to invest, returns and expenses.

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Help for landlords

Put your best foot forward and consider how you might manage your property.

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Loan and ownership options

You may consider structuring your home loan and investment property in different ways. Consider your options here.

I want to...

Understand what my mortgage repayments will be Understand how much I could borrow Pay off my home loan faster Reduce my home loan repayments Apply for a home loan Switch my home loan
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