Buying guide

How much deposit do first home buyers need?

It may seem like you’ve got a mountain to climb, but with a little help it’s possible

Ben Tutty
By Ben Tutty (Content Writer)
Last updated: 6 August 2025 | 4 min read

First home buyers deposit amount

How to buy a home with a 10% or 5% deposit

Find the right lender

Buying your first home in New Zealand isn't easy but it's possible with a little help.

Get help from family

Qualify for government assistance

KiwiSaver withdrawals

There is government assistance available for ellignble first home buyers.

Improving your chances as a low deposit first home buyer

The pros and cons of low deposit home loans

Author

Ben Tutty Ben Tutty

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