Coronavirus Covid-19: update on our development

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Click on the stages below to plan your pathway to home ownership.
  • Phase 01 DREAMING


    You’re probably keen to buy a home for several reasons. You might be sick of paying someone else’s mortgage, you might want to put down roots so you don’t have to move for a while, or you might be looking for a safe and secure home for yourself or your whanau. Whatever your reason, here are some tips that will help you get started on your journey.

    1. Friends and family can be really helpful sources of information in your home buying journey, particularly in this early stage. Remember though that not everyone is an expert and you can be given incorrect information or be put off buying a home all together by others. Double check any information provided to you and speak to professionals like a mortgage broker, real estate agent or the bank for advice.
    2. The Sorted website is a great resource to get yourself prepared for home ownership. The site has information on budgeting, saving, investing and KiwiSaver, among other helpful resources.
    3. The Real Estate NZ and Trade Me websites are good places to start if you’re in the dream phase. You can view properties in the neighbourhoods you would like to live. You can also get a good idea of what you can and cannot afford. and
    4. If you’re thinking about buying it is also a good idea to check out the Kāinga Ora website. This government website provides you with all of the information you need regarding the schemes and grants available to help first and affordable home buyers. It’s worth checking out at the start of your journey to see if you might be eligible for help to buy your home. Click here for more information
    5. Don’t forget to speak with other people who could be helpful. Your local real estate agent, the bank and/or a mortgage broker can all be a great help with information and advice at this early stage.


    You’ve dreamed of buying a home for some time. You’ve thought about it, talked it over with friends and family, and may have received some professional advice about it. Your conclusion is that buying could be possible. Now you’re in investigation mode. You want to know what you can buy, where you can buy it and for what price.

    Here are some links and information that will help you in this phase.

    1. Go to your bank to check your savings and your ability to get a mortgage. The bank will let you know fairly quickly what you can afford and what they might be willing to lend you. If you’re not comfortable working with your bank or if your bank says it’s not possible, speak to a mortgage broker.
    2. If you’re struggling to get a mortgage, it might pay at this point to speak to a budget or financial advisor. There are plenty of budgeting providers in Mangere. The Money Talks website gives a list of recommended budget providers in the area. Check them out here to find one near you: click here for more information
    3. Financial help: Did you know that Kāinga Ora - Homes and Communities provides schemes and grants to help you own a home? If you’re eligible, Kāinga Ora offers:
      1. The KiwiSaver First Home Grant – where the government can give you a grant of up to $20,000 towards your new home. Click here for more information
      2. The Kiwisaver First Home Withdrawal – where you can withdraw all of your KiwiSaver funds to put towards your new home. Click here for more information
      3. The First Home Loan – where approved providers such as Kiwibank and Westpac offer home loans requiring a 5% deposit instead of the usual 20%.Click here for more information
      4. KiwiBuild – a government scheme offering affordable homes to the market. Kiwibuild homes will be built in the Mangere Development. You can view all KiwiBuild homes on the KiwiBuild website
    4. The Real Estate NZ and Trade Me websites are an easy way to view properties in the areas you would like to live. You can also get a good idea of what you can and cannot afford. and
    5. Don’t forget to speak with other people who could be helpful. Your local real estate agent, friends and family can all provide good information at this stage in your journey.


    You’re getting closer to knowing where you want to live and what type of property you can buy. You may have even spoken to a real estate agent and attended some open homes, and you have an indication of how much the bank is willing to lend you. You can now get fully prepared to buy. This mostly includes making pre-applications and applications for loans and for government grants and schemes that may be available to you.

    If you’re unsure of how or if the government can help you to buy a home, please check the Phase Two tab above to find out more.

    For more information on what you can do to make things easier in the Preparation phase, please see our links and further information below.

    1. It’s time to start preparing documents for the bank or mortgage broker. You can do this by working closely with the representatives of these companies. Get all of the required information together before you apply to avoid delays later. You’ll need things such as proof of residency, wage slips, bank statements and application forms.
    2. First Home Loan: If you are interested in the First Home Loan (where you only need to provide a 5% deposit to purchase your home) you’ll need to start the application process. Not all banks offer this loan so visit the Kāinga Ora website for a list of participating banks and to see if you are eligible. Click here for more information
    3. KiwiBuild: If you are interested in buying a KiwiBuild home, you need to register on the KiwiBuild website. You also need to express your interest in the particular home or homes you are interested in buying. If there is a ballot for the home you are interested in, you’ll need to enter the ballot. If your name is drawn from the ballot, you can then purchase your KiwiBuild home (as long as you have secured a mortgage). Go to to register.
    4. First Home Grant: This is the right time to apply for your First Home Grant or to seek pre approval for this grant. You also need to start the application process for the KiwiSaver First Home Withdrawal (if you are ready to buy). By starting these processes now, you will find out if you are eligible or not. Click here for more information
    5. You may also want to start thinking about your legal representative at this time – particularly if you are applying for a grant and the KiwiSaver First Home Withdrawal as these funds will need to be directed to your lawyer’s Trust account. A good place to look for a lawyer is the Law Society website which provides a list of recommended lawyers in your area. Click here for more information
    Preparing and applying
  • Phase 04 SEARCHING


    You have your finances, grants and schemes organised and pre-approval or you may even be fully approved. You know how much you can spend, what type of deposit you have and what type of home you can afford. You may have secured a First Home Loan and a First Home Grant and you may be using your KiwiSaver funds as part of the deposit to buy your home. If you’re looking at KiwiBuild, you may have been to some open homes and spoken to the builder or developer that is responsible for building them. This is the phase where your journey starts to get exciting.

    Here is some more information about the home search phase and what’s required – particularly for KiwiBuild.

    1. KiwiBuild: If you’re eligible to buy a KiwiBuild home, you can go to the KiwiBuild website to take a look at homes that are for sale right now. You can also further explore the Mangere Development website or visit the Mangere Information Centre at 12 Waddon Place, Mangere to find out more about the KiwiBuild homes coming up for sale.

      If you know which KiwiBuild homes you are interested in, go and see them and express your interest in buying a home to the real estate agent or developer who is selling them. If there is a ballot, you need to enter the ballot for the home you are interested in. If your name is drawn from the ballot, you can then buy your Kiwibuild home (as long as you have secured a mortgage).

      You can view all KiwiBuild homes on the KiwiBuild website. If there is a ballot for the home/s you’re interested in you’ll see a link to that home builder’s website where you’ll be able to enter the ballot.
    2. Come in and see us at the Mangere Information Centre, too. We have all of the information you’ll need to search for a home that suits you in Mangere. We have a number of different homes available for both affordable and market buyers. We also have maps and plans and further information on the development as a whole. Our address is: 12 Waddon Place, Mangere.
  • Phase 05 READY TO BUY


    You’re coming to the end of the home buying journey. It’s time to finalise your home purchase and move in. Remember, now that you’re a homeowner you have new expenses to think about such as rates, insurance and your mortgage.

    Here are a few ideas on how to make the move to being a homeowner easier.

    1. First Home Grant and KiwiSaver First Home Withdrawal payments: You’ll need to ensure these are paid and finalised before settlement day otherwise your contract may fall through.
    2. House insurance: This should be sorted before moving day. It’s a requirement of the bank for your home to be insured so it’s important to have it organised. You can easily insure your home over the phone by calling any reputable house insurance company.
    3. Bills and banking: It’s a good idea to set up automatic payments (AP’s) for your insurance and rates payments (and any other house related expense payments). This spreads your costs evenly across the year and makes servicing bills easier especially if you’re new to home ownership.
    4. Stay in touch with your lawyer and bank: Check in with your lawyer (who will be dealing with the grants and deposits that you have secured) to make sure everything is in order. Talk to your bank to confirm your mortgage has been finalised ready for settlement day.
    5. Once you’ve moved in: Congratulations! If you have any questions about your home, you can contact the builder for help. Enjoy your new home in the Mangere Development.
    Ready to buy