National’s bold plan to expand its low-deposit home loan scheme could unlock homeownership for thousands—by lifting income caps from $95K (single) or $150K (couples/families) to a combined $300K. Targeting hardworking earners like junior doctors and essential workers, the move aims to smash the deposit barrier that traps so many first-time buyers. With estimated costs of $4–6 million covered by existing budgets, National hopes to push the national homeownership rate up from 66% to 74%, backed by Kāinga Ora and lender partnerships designed to make property dreams more attainable.
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