Loan assumptions
Repayment frequency
Kāinga Whenua · Individuals
Explore a loan scenario, not a lending decision. Figures are NZD and aren’t saved.
Your assumptions
Insurance fee
Repayment frequency
Checks before applying
- Multiply-owned Māori land and a primary home.
- Qualifying licence or lease and the Kāinga Whenua Agreement; an occupation order is not accepted as scheme tenure.
- Build/security conditions include a removable, single-storey house on piles, at least 50 m², mainland location and road access.
- Kiwibank assesses affordability. This tool does not calculate how much you qualify to borrow.
Published settings & sources · checked 7 November 2026
No deposit up to $200,000; at least 5% of borrowing above that. Insurance is 0.5%, payable upfront or added to the loan. Other bank fees apply. No published borrowing cap; affordability assessment still applies. Settings change — confirm current details before relying on them.
1. Project costs
Use one consistent GST basis for every amount. Include all costs you expect to pay.
2. Funding available & proposed
Equity is the value of land you own, less any debt secured against it. Example: land worth $200,000 with $50,000 owing has $150,000 equity.
Equity is not cash to pay builders. For Māori land, shares or occupation rights do not automatically mean you can borrow against the whole block. Confirm the value and what a lender will accept. This calculator shows land equity separately and does not reduce your funding gap by it.
