Getting ready to buy

If you’ve found a home that you are interested in buying, it’s time to get your KiwiBuild application together.

Getting pre-approved for KiwiBuild

If you think you will be ready to buy a home within the next 12 months, we recommend getting your KiwiBuild eligibility pre-approved. This confirms that you meet the KiwiBuild eligibility requirements and will help the process move faster when it comes to finalising your purchase.

Your pre-approval will last for six months following a successful application and you will be reminded to update your details if it is getting close to expiry.

Create a KiwiBuild account to begin your application.

You can sign a conditional sales and purchase agreement for your new home at any time during this application process.

Preparing your eligibility documents

To prove that you meet the KiwiBuild eligibility requirements, you will need to provide:

  • proof of residency in New Zealand (certified copies of your passport or visa status)
  • proof of income (an IRD certificate of earnings for the prior 12 months).

If you are self-employed, you will need to provide your IRD Individual Income Tax document for the previous tax year. 

You will need to verify your documents and sign the KiwiBuild Statutory Declaration in front of an authorised person. This declares that the information you submit to KiwiBuild is accurate and genuine.

An authorised person can be your lawyer, notary public or Justice of the Peace.

Read more about who can witness a Statutory Declaration.

Getting your finances sorted

Just like any home purchase, you will need to provide a deposit and prove to a bank or financial institution that you are able to service the mortgage on a home.

The specific details around your deposit amount, mortgage value and repayment options are something to discuss with your bank, mortgage broker or financial advisor.

If you meet the relevant criteria, you may also be able to use:

KiwiSaver First Home Withdrawal

If you have been a member of KiwiSaver for three years, you may be able to withdraw savings from your fund to put toward the deposit on your first home.

Read about withdrawing from your KiwiSaver.

First Home Grant

If you have been making regular contributions to your KiwiSaver fund for at least three years, you may be eligible for a First Home Grant from Kāinga Ora to contribute toward your home deposit.

Read more about the First Home Grant.

First Home Loan

If you are able to service the mortgage repayments on a home but are having trouble putting together the deposit, you may be able to apply for a First Home Loan from Kāinga Ora to finance your mortgage with a 5% deposit.

Read more about the First Home Loan.

KiwiBuild does not administer these financial products. Please refer to all eligibility information with their providers to check if they are applicable for you.

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