Home & property.
Whatever your home ownership goals are, start your journey here with our helpful guides and resources.
Buying your first home.
![Young family with small infant smiling in kitchen](/assets/Lifestyle-images/lifestyle-family-baby-smiling-291120__FocusFillWzM2NSwxODUsInkiLDI3XQ.jpg)
You could move into your first home without having to save a huge deposit. The government, Kāinga Ora, or your family, could help you on your way.
![Family celebrating moving into new house eating pizza](/assets/Lifestyle-images/lifestyle-family-new-house-eating-161020__FocusFillWzM2NSwxODUsInkiLDI5XQ.jpg)
The idea of owning your own home is exciting. This PDF is here to guide you every step of the way.
![Parent and child in front of laptop working through application](/assets/Lifestyle-images/lifestyle-parent-child-laptop-application-291120__FocusFillWzM2NSwxODUsInkiLDM5XQ.jpg)
How much can you borrow? What is a conditional approval? All you need to know about applying for a home loan.
![Couple unpacking kitchen boxes into new home](/assets/Lifestyle-images/lifestyle-couple-unpacking-kitchen-291120__FocusFillWzM2NSwxODUsInkiLDIxXQ.jpg)
Handy savings tools, calculators, videos and more. All designed to help you grow your savings quickly.
![Couple unpacking belongings into new home](/assets/Lifestyle-images/lifestyle-couple-unpacking-home-291120__FocusFillWzM2NSwxODUsInkiLDBd.jpg)
Buying a home is a big commitment that comes with new expenses. Make sure you factor in all potential costs.
![Parent teaching alphabet to children](/assets/Lifestyle-images/lifestyle-teacher-children-toys-201020__FocusFillWzM2NSwxODUsInkiLDM1XQ.jpg)
All it takes is a little research, planning and focus. Here's a few tips to get you started.
Buying your next home.
Building & renovating.
![Person outside sanding stair banister](/assets/Lifestyle-images/lifestyle-person-sanding-outside-161020__FocusFillWzM2NSwxODUsInkiLDM5XQ.jpg)
Considering whether to renovate or build is a big decision. Weighing up the pros and cons is a good place to start.
![Couple taking a break from painting home and laughing on floor](/assets/Lifestyle-images/lifestyle-renovation-couple-201020__FocusFillWzM2NSwxODUsInkiLDIzXQ.jpg)
Consider which loan option will best suit your project and financial situation.
![Team of builders lifting wall section.](/assets/Lifestyle-images/lifestyle-builders-construction-team-201020__FocusFillWzM2NSwxODUsInkiLDI5XQ.jpg)
Construction costs aren't the only expense you'll come across when building your home.
![Child in pillow fort with teddy bear](/assets/Lifestyle-images/lifestyle-pillow-fort-child-201020__FocusFillWzM2NSwxODUsInkiLDU4XQ.jpg)
Build with confidence knowing you're covered during your build or renovation.
Investing in property.
![Person standing in empty room looking out window](/assets/Lifestyle-images/lifestyle-person-wide-window-161120__FocusFillWzM2NSwxODUsInkiLDIzXQ.jpg)
Consider the benefits, advantages and risks of property investment.
![Couple sorting out bills on a bed](/assets/Lifestyle-images/lifestyle-couple-planning-bills-paperwork-201020__FocusFillWzM2NSwxODUsInkiLDBd.jpg)
Before you become a landlord, look at borrowing to invest, returns and expenses.
![Person taking down picture from wall](/assets/Lifestyle-images/lifestyle-person-hanging-valuable-291120__FocusFillWzM2NSwxODUsInkiLDBd.jpg)
Put your best foot forward and consider how you might manage your property.
![Couple discussing papers with professional.](/assets/Lifestyle-images/lifestyle-accountant-couple-kitchen-201020__FocusFillWzM2NSwxODUsInkiLDI5XQ.jpg)
You may consider structuring your home loan and investment property in different ways. Consider your options here.