Kāinga Ora Qualifying Quiz — Guardian Smith Mortgages
Briana McDonagh — Mortgage Adviser
Kāinga Ora qualifying quiz
A few quick questions to see where you stand for the First Home Loan, takes about two minutes.
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Buy with as little as a 5% depositInstead of the usual 20%, subject to your borrowing power and meeting the eligibility criteria below.
Step 1 of 5
Step 1 of 5
Do you have a partner?
Spouse or de facto. If you have a partner, you'll generally need to apply together.
Step 2 of 5
Do you have a child or dependent?
This affects which income cap applies to you.
Step 3 of 5
What's your gross income over the past 12 months?
Combined if applying with a partner.
This is your gross income for the past 12 months, based on the figure from your myIR account with IRD, not just your current salary. Not sure what yours is? I can help you check it.
Step 4 of 5
Have you been in the same industry for 2+ years, or the same job for 1+ year?
Study in the same field generally counts toward the 2-year industry test.
Step 5 of 5
Do you own additional assets worth more than $5,000 combined?
Things like a boat, jet ski, caravan, or an extra car beyond the one you use daily. Not your deposit or KiwiSaver.
Almost there
Where should we send your result?
Enter your details to see your result.
Please enter your name and a valid email address.
This gives you a starting point, but a proper assessment looks at your full situation. Let's check your actual eligibility together.