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Its easier to own your own home
It’s not what will stop you getting a home loan, but what will start you.

For many home buyers, the problem with getting a normal home loan is finding the deposit. Most lenders currently require a minimum 20 percent deposit. With a Welcome Home Loan you only need a 10 percent deposit.

 

There are two income caps that apply for a Welcome Home Loan.
For one borrower you can have earned $80,000 or less (before tax) in the last 12 months. If you are borrowing with one or more other people you can have earned a combined household income of $120,000 or less (before tax) in the last 12 months.

Help with your deposit is available.

Your deposit can be gifted by a relative. You can apply for a KiwiSaver Deposit Subsidy or KiwiSaver Savings Withdrawal. Find out how here or read the case studies to see how other borrowers have financed their home. You can team up with other borrowers to put together your deposit and purchase a home.

 

Are you eligible?
Find out here

Recent changes to Welcome Home Loan
From 1 October the eligibility criteria for Welcome Home Loans changed. Find out how
Regional house price caps are higher in areas of New Zealand where houses cost more.

The maximum loan amount you can borrow with a Welcome Home Loan depends on where you live. For example, if you live in Auckland you can now borrow up to $436,500.
Find out your regional house cap.

 
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