First Home Buyers – Your Guide to Buying in Auckland

Q: Can I use my KiwiSaver to pay the 10% deposit at an auction?

No, not directly on the day. KiwiSaver funds typically take 10–15 working days to be released. You need 'liquid' funds for the auction deposit.

Q: What happened to the First Home Grant?

The First Home Grant was discontinued in May 2024. However, the First Home Loan (low deposit) scheme is still active and allows you to buy with just a 5% deposit.

Q: How do I know if a property is 'renovation hell' or just needs a tidy-up?

I use my tradesman background to help you spot red flags like monolithic cladding, unconsented work, and structural issues before you make an offer.

Q: Do I have to live in the home for 6 months?

For the First Home Loan, most lenders require you to live in the property as your primary residence. There isn't a strict government 'clawback' period, but bank terms usually require owner-occupancy.

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First home buyers in New Zealand can withdraw their KiwiSaver (after 3 years) and access the Kāinga Ora First Home Loan. While the old First Home Grant was discontinued in 2024, the First Home Loan remains a powerful tool available through select lenders. Navigating these options is tough I help you understand exactly what you can afford so you can secure your first property without the stress.

Price Caps Are Gone

With Kāinga Ora price caps removed, find out what a property is worth to see if it fits your lending pre-approval limit. Get a free market appraisal from Darren Ryder.

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BARFOOT & THOMPSON

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Navigating the Financial Landscape (2026 Rules)

The rules have changed. The First Home Grant is gone, but the First Home Loan is stronger.

Deposit: Only 5% required (underwritten by Kāinga Ora).
Price Caps: REMOVED – You are no longer restricted by a price cap on the property.
Income Caps: Still apply at $95 k (S in g l e) * * / * *$ 150k (Couple).

My job is to help you find properties in West & Northwest Auckland that fit your approved budget, now that the price caps are gone.

Northwest Auckland | West Auckland | North Shore | Hibiscus Coast

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First Home Buyer FAQs

How much deposit do I really need for a first home in Auckland?

While 20% is standard, first home buyers can often secure a mortgage with 5% deposit through the Kāinga Ora First Home Loan scheme if they meet income caps ($95k single / $150k couple). Note that a 1.2% Lender’s Mortgage Insurance (LMI) premium typically applies. Check your eligibility | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

Can I use my KiwiSaver to pay the 10% deposit at an auction?

No, not directly on the day. KiwiSaver withdrawals typically take 10–15 working days to be processed. For an auction, you need “liquid” funds for the 10% deposit immediately. I can guide you on how to arrange a deposit bond or a variation of terms. Get auction advice | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

What happened to the First Home Grant?

The First Home Grant (free cash) was discontinued in May 2024. However, the First Home Loan (low deposit) scheme is still active and is the primary tool for getting into a home with a 5% deposit, underwritten by Kāinga Ora. Discuss finance options | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

Do first home buyers have to pay for a buyer’s agent in NZ?

Typically, no. My services for buyers are usually free, as the real estate commission is paid by the seller upon a successful sale. You get professional representation and negotiation expertise without adding to your purchase costs. Buyer’s Agent details | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

How do I know if a property is “renovation hell” or just needs a tidy-up?

This is where my tradesman background is vital. I help you spot red flags like monolithic cladding (leaky home risks), unconsented work, and structural issues that would fail a building inspection—saving you thousands in “hidden” costs. Book a viewing | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

What are the price caps for the First Home Loan?

There are no price caps anymore. Kāinga Ora has removed the cap on house prices for the First Home Loan. As long as you can service the mortgage and meet the income caps, the property value does not affect eligibility. Find homes | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

Can I buy a house with my partner if only one of us is a first home buyer?

Yes. The eligible person can still withdraw their KiwiSaver. Eligibility for the First Home Loan (5% deposit) will depend on your combined income and the lender’s criteria. Ask a question | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

What is a LIM report and why do I need one?

A Land Information Memorandum (LIM) shows zoning, flooding risks, and building consents. In Auckland, a standard LIM costs $375 and an urgent one costs $506. It is essential for due diligence. Learn about due diligence | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

Do I have to live in the home for 6 months?

Yes. For the First Home Loan, you are required to live in the property as your primary residence for at least six months from the settlement date. Discuss rules | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

What suburbs in West Auckland are best for first home buyers?

Massey, Ranui, and Henderson offer excellent value for standalone homes. Suburbs like Westgate and Hobsonville provide modern, low-maintenance townhouses that are popular with first home buyers. View suburb guides | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

What is “pre-approval” and why do I need it before looking?

Pre-approval is a letter from your bank stating how much they are willing to lend you. Without this, you cannot bid at auctions (which are unconditional) and sellers may not take your private offers seriously. Get pre-approved | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

Are there extra costs besides the deposit?

Yes. Budget an additional $5,000 to $10,000 for legal fees ($1.5k–$2.5k), building inspections ($400–$600), LIM reports ($375–$506), and moving costs. Budget planning | Call: 021 307 014 | Email: d.ryder@barfoot.co.nz

About the Expert

Darren Ryder is a Licensed Real Estate Salesperson (REAA 2008) with 13+ years of experience helping first home buyers navigate the Auckland market.

Call: 021 307 014 Email: d.ryder@barfoot.co.nz

Last Updated: January 2026 | Verified by: Darren Ryder

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Founded by the Barfoot and Thompson families, this powerhouse has been dominating the market for decades. And let’s be clear: Peter Thompson isn’t just a name on the building. His leadership has taken Barfoot & Thompson to new heights, making waves in the industry that others can only hope to surf.

Why Barfoot & Thompson Leads the Market

When it comes to real estate in Auckland, Barfoot & Thompson isn’t just playing the game—they’re changing it. If you’re serious about finding your next property, you need to pay attention.

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But here’s the real deal: Barfoot & Thompson offers unparalleled service. Whether you’re looking to buy your first home or expand your investment portfolio, they’ve got the expertise to make it happen. And they don’t just stop at residential properties—they’re making moves in luxury lifestyle residential and commercial real estate too.

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Ever heard of the Barfoot & Thompson Auckland Marathon? It’s just one example of how deeply rooted the Barfoot & Thompson families are in the community. They’re not just selling properties; they’re investing in Auckland’s future.

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They’ve even supported local theatre, showing their commitment to enriching the community beyond just property dealings.

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So, you’re ready to sell your home in Auckland. You don’t want guesses or maybes—you want results. That’s where Barfoot & Thompson Kumeu comes in. We’re not just another real estate agency; we’re the powerhouse that turns listings into sales.

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With over 95 branches throughout Auckland and Northland, our team of over 1,800 salespeople specializes in luxury, lifestyle, residential, rural, and commercial properties.

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Over the decades, the company has continued to grow, despite fluctuating market cycles, economic downturns, war times, changes in government regulations and more. Throughout our history, the families have maintained their integrity to make the company a success story and iconic New Zealand brand.

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The story began in 1923
Val Barfoot bought a
land agency for £75

In 1934, the Barfoot brothers were joined by Maurice Thompson and in 1940 the business became "Barfoot & Thompson" as we know it today.

From those small beginnings in Newmarket, we quickly grew to become Auckland's market leader. For over 100 years we've remained steadfastly family owned.

The current Directors - Peter Thompson, Stephen Barfoot and Kiri Barfoot - are the grandsons and the granddaughter of the original owners.

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