The Welcome Home Loan | Supported by Housing New Zealand Corporation

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It’s not what will stop you getting a home loan, but what will start you. The problem with getting a normal home loan is, for many people, finding the deposit. The Welcome Home Loan removes that problem.		Borrow up to $280,000 with a deposit of just 15% of the amount above $200,000. (For example, a loan of $250,000 would require a deposit of 15% of $50,000. So you'd only need $7,500.) In selected areas you can borrow up to $350,000. This will also require 15% of the amount above $200,000. (For example on a loan of $350,000 you will require a deposit of 15% of $150,000. So you’d need $22,500. Click here for areas eligible for a $350,000 loan). Plus the deposit can be gifted. Some participating lenders allow you to build a new house with Welcome Home Loan. Please ask your preferred lender if they do. Three or more friends or family members who will be living together can team up to purchase a home. Are you eligible? Find out here
The Government has announced changes that will deliver a helping hand to first home buyers in higher priced areas of New Zealand. The maximum loan amount that can be borrowed under the Welcome Home Loan, has risen from $280,000 to $350,000 in selected high priced areas. For more details on the areas now eligible for a $350,000 loan, click here.
Owning your own home just got a lot easier. With a Welcome Home Loan, your dream of owning your own home is now one big step closer. You can: Borrow up to $200,000 with absolutely no deposit.

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Supported By Housing New Zealand Corporation

Welcome Home First Steps

Our free course explains everything you need to know about owning your first home.

Welcome Home First Steps is available through workshops or distance learning nationwide.