Whilst Kāinga Ora sets the eligibility criteria, it is the bank or lender that assesses First Home Loan applications, and makes the final lending decision.
Participating lenders credit criteria
In addition, you will need to meet the lending criteria of a participating bank or lender before a First Home Loan can be made. This can include your financial ability to repay the loan, your current level of debt, and your credit history.
Call Free: 0800 177 277
Call: 09 579 0448
Call free: 0800 134 034
Call Free: 0800 727 2265
Call Free: 0800 332 837
Page updated: 30 May 2022