Buying guide

Low deposit home loans: how to buy your first home sooner

Got less than 20%? No worries.

Ben Tutty
Last updated: 8 March 2025 | 5 min read

Get advice right away

Buying with a small deposit is possible – but there are drawbacks

There's help available if you're sturggling to save a deposit.

Getting a little help from the government

First home loan scheme - 5% deposit loans

Kiwisaver withdrawal

Rent to own schemes

State house purchasing

Saving for a house in NZ isn't easy/.

Getting help from family and friends

Author

Ben Tutty Ben Tutty