Kāinga tu Home Buyer Programme

Kainga Tu Home Buyer Programme

Empowering whānau to move from where they are today, through mortgage pre-approval, purchase, settlement and beyond — into sustainable home ownership and intergenerational wealth.

Kāinga tu is a structured, end-to-end programme combining financial capability education, personalised mentoring, expert coordination and practical property acquisition guidance — so participants are not only prepared to purchase a home, but equipped to sustain and leverage that asset over time.

Kainga Tu Home Buyer Programme 0800-007-993

Programme Structure

Five Modules. One Clear Pathway.

Each module builds on the last — from your first budget review through to long-term wealth strategy after you hold the keys.

Module 01

Start → Mortgage Pre-Approval

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Module 02

Pre-Approval → Conditional Contract

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Module 03

Conditional → Unconditional

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Module 04

Unconditional → Settlement

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Module 05

Settlement → Post-Settlement Growth

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Kainga Tu Home Buyer Programme

Module 1 · Start → Mortgage Pre-Approval

Start → Mortgage Pre-Approval

Objective

Prepare the participant for mortgage pre-approval by strengthening their financial position and demonstrating serviceability to a lender.

Delivery Model

One-on-one mentoring sessions

Personalised financial assessment

Budget and debt restructuring

Deposit strategy planning

Financial Snapshot Assessment

Net position (assets vs liabilities)
Income and expense analysis
Current debt review
Credit profile assessment

Budget Development

Surplus optimisation
Fixed vs variable expense review
Cashflow forecasting
Lifestyle alignment with home ownership goals

Debt Reduction Strategy

Prioritisation of high-interest debt
Consolidation options (if appropriate)
Behavioural spending adjustments

Deposit Strategy

Savings plan
KiwiSaver (if applicable)
Government grants (if eligible)
Whānau contributions or gifting
Alternative pathways (shared ownership, equity partnerships)

Outcomes

Clear financial roadmap

Improved serviceability

Deposit strategy confirmed

Mortgage application prepared

Mortgage pre-approval secured

Kainga Tu Home Buyer Programme

Module 2 · Pre-Approval → Conditional Contract

Pre-Approval → Conditional Contract

Objective

Support participants in identifying a suitable property and securing a conditional Sales & Purchase Agreement.

House Hunting Education

Understanding property types
Market research and comparative pricing
Auction vs private treaty
Engaging real estate agents or property finders

Building the Advisory Team

Mortgage broker
Insurance broker
Registered valuer
Licensed Building Practitioner
Council representative
Conveyancing lawyer

Sales & Purchase Agreement Tuition

Correct legal entity
Deposit structure
Settlement date
Conditional clauses
Finance clause
Building report clause
LIM clause
Commission/payment structures
Risks and common pitfalls

Outcomes

Property shortlisted

Offer submitted

Conditional agreement secured

Due diligence timeline confirmed

Kainga Tu Home Buyer Programme

Module 3 · Conditional → Unconditional

Conditional → Unconditional

Objective

Complete all investigations required to safely proceed to unconditional contract status.

Due Diligence Requirements

Building inspection by a Licensed Building Practitioner — structural integrity and maintenance
Registered valuation — confirms value for lender and flags shortfall risks
LIM (Land Information Memorandum) — zoning, compliance, hazards and consents
Insurance approval — house, contents and other risk considerations
Finance confirmation — final lender approval and loan documentation

Risk Review & Negotiation

Identification of defects
Renegotiation opportunities (if required)
Withdrawal options (if necessary)

Outcomes

All reports reviewed

Finance confirmed

Insurance confirmed

Contract declared unconditional

Kainga Tu Home Buyer Programme

Module 4 · Unconditional → Settlement

Unconditional → Settlement

Objective

Prepare for legal transfer of ownership and ensure a smooth settlement.

Preparation Checklist

Mortgage documents signed
Insurance certificate issued (required prior to settlement)
Utilities connected (power, water, internet)
Rates and body corporate (if applicable) reviewed
Pre-settlement inspection completed
Settlement statement reviewed with lawyer

Coordination & Communication

Broker, lawyer and lender aligned
Insurance documentation provided to bank
Settlement funds transferred on agreed date

Outcomes

Settlement completed

Legal title transferred

Keys received

Participant becomes homeowner

Kainga Tu Home Buyer Programme

Module 5 · Settlement → Post-Settlement Growth

Settlement → Post-Settlement Growth

Objective

Ensure sustainable mortgage servicing and strategic asset growth.

Immediate Focus (0–6 Months)

Mortgage servicing discipline
Budget review post-settlement
Emergency fund rebuilding
Maintenance schedule established

Medium-Term Strategy (6–24 Months)

Equity review
Refinancing assessment
Interest rate negotiation
Value-add improvements (renovations, landscaping, compliance)

Long-Term Wealth Strategy

Leveraging equity for investment property, business development or debt reduction
Mortgage repayment strategy optimisation
Intergenerational wealth planning

Outcomes

Financial stability maintained

Property value enhanced

Equity growth leveraged

Long-term wealth pathway established

Explore More

Programmes That Work Alongside Kāinga tu

Sorted Kāinga Ora Course

Free 8-week home ownership education

Financial Literacy

Strengthen the foundations behind every module

Kāinga tu — From Where You Are, To Where You Belong

Ready to Start Your Home Ownership Journey?

Talk with our team about where you sit today and which module is the right place for you to begin.

Kainga Tu Home Buyer Programme 0800-007-993

Kainga Tu Home Buyer Programme

Empowering whānau to move from where they are today, through mortgage pre-approval, purchase, settlement and beyond — into sustainable home ownership and intergenerational wealth.