First Home Buyer Calculator
Check your eligibility for KiwiSaver withdrawals, grants, and the Welcome Home Loan.
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Gross annual household income
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Cash savings available
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Total across all members
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Price cap: $875,000
ℹ️The Welcome Home Loan allows eligible first home buyers to purchase with just a 10% deposit. Price and income caps apply.
💡You may be able to withdraw up to $10,000 from your KiwiSaver for a first home. If both partners qualify, you could also receive a $10,000 KiwiSaver grant.
✅ You may be eligible to buy!
Total available deposit$100,000
KiwiSaver withdrawal$10,000
KiwiSaver grant$10,000
LVR84.6%
Gap to 20% deposit$30,000
ℹ️Your income is under the $150,000 cap for the Welcome Home Loan.
💡There's no stamp duty or transfer duty in New Zealand. Your main costs will be legal fees, building inspection, and moving costs.