--- title: Aidan Hand Mortgages | KiwiSaver Grant description: I have been a financial advisor for a number of years specialising in mortgages and making sure your assets are fully insured. --- [Skip to content](https://ahmortgages.co.nz/kiwisaver-grant#main-content) [![AH_logo](https://ahmortgages.co.nz/hubfs/Images/AH_logo.svg)](https://ahmortgages.co.nz/?hsLang=en-nz) - [Home Loans](https://ahmortgages.co.nz/first-home-buyers) Show submenu for Home Loans - [First Home Buyers](https://ahmortgages.co.nz/first-home-buyers) - [Refinancing Your Mortgage](https://ahmortgages.co.nz/refinancing-your-mortgage) - [New Home Builds](https://ahmortgages.co.nz/new-home-builds) - [KiwiSaver Grant](https://ahmortgages.co.nz/kiwisaver-grant) - [KiwiSaver](https://ahmortgages.co.nz/kiwisaver) - [Repayment Calculators](https://ahmortgages.co.nz/repayment-calculators) - [About](https://ahmortgages.co.nz/about-us) - [Contact](https://ahmortgages.co.nz/contact) Open main navigation Close main navigation - [Home Loans](https://ahmortgages.co.nz/first-home-buyers) Show submenu for Home Loans - [First Home Buyers](https://ahmortgages.co.nz/first-home-buyers) - [Refinancing Your Mortgage](https://ahmortgages.co.nz/refinancing-your-mortgage) - [New Home Builds](https://ahmortgages.co.nz/new-home-builds) - [KiwiSaver Grant](https://ahmortgages.co.nz/kiwisaver-grant) - [KiwiSaver](https://ahmortgages.co.nz/kiwisaver) - [Repayment Calculators](https://ahmortgages.co.nz/repayment-calculators) - [About](https://ahmortgages.co.nz/about-us) - [Contact](https://ahmortgages.co.nz/contact) - [Sign Up](https://shamrockconsultants.gettrail.com/Account/register) [Sign Up](https://shamrockconsultants.gettrail.com/Account/register) # Kiwisaver Grant. Do you qualify for the KiwiSaver programme? Find Out [Free Consultation](https://ahmortgages.co.nz/contact?hsLang=en-nz) ![Tick](https://ahmortgages.co.nz/hubfs/Images/Tick.svg "Tick") ### Simple Process ![World](https://ahmortgages.co.nz/hubfs/Images/World.svg "World") ### Whole Market Advice ![Hands](https://ahmortgages.co.nz/hubfs/Images/Hands.svg "Hands") ### We Do All The Donkey Work ### KiwiSaver HomeStart grant If you’re a first-time buyer and you’ve been making regular KiwiSaver contributions for at least 3 years, you may be eligible to apply for a KiwiSaver HomeStart grant through Housing New Zealand. ![Life Insurance](https://ahmortgages.co.nz/hubfs/Images/Life%20Insurance.png "Life Insurance") ### **How it works** - If you buy an existing home, you can get $1,000 for each year you’ve paid into the scheme. The most you can get is $,5000 for 5 years. - If you buy a new home or land, you can get $2,000 for each year you’ve paid into the scheme. The most you can get is $10,000 for 5 years. If you buy a property with other people who qualify for a KiwiSaver HomeStart grant, you can all apply but the most you can get for one property is: - $10,000 for an existing property. - $20,000 if you buy a new home or land for a new home. ![kiwi-saver](https://ahmortgages.co.nz/hubfs/Images/kiwi-saver.png "kiwi-saver") ### **Who can apply** To apply, you must: - be 18 or older - have been contributing at least the minimum amount of your income (currently 3%) to your KiwiSaver scheme for 3 years - **have had an income in the previous 12 months (before tax) of less than:** - $85,000 for 1 person - $130,000 for 2 or more people - have a deposit of at least 10% of the purchase price - **agree to live in your property for at least 6 months:** - from the date you buy your home (the settlement date), or - if the house is new, when the code compliance certificate is issued. ![Refinancing](https://ahmortgages.co.nz/hubfs/Images/Refinancing.png "Refinancing") ### Welcome Home Loan With a Welcome Home Loan, you might be able to get a home loan if you only have a 10% deposit. How much you can borrow depends on where you live in New Zealand and what you can afford. You get a Welcome Home Loan from a bank or other lender — not all banks and lenders offer this option. Housing New Zealand underwrites the loan. Before you can get a loan you need to meet the criteria set by the government and your lender. For the government to approve your loan, you must: - have a 10% deposit - buy a house that costs no more than the maximum price for your region — the regional cap - have income before tax in the last 12 months of no more than: - $85,000 per year if you’re single - $130,000 per year if 2 or more of you are buying a house together. ## Making Finance Simple, So You Can Focus on Life. Your Goals, Your Future – Not the Bank’s. Honest, Obligation-Free Advice. Get the Best Deal, Structure & Broker Today! 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