Kāinga Ora explained! In this episode, Andy breaks down what is Kāinga Ora including eligibility for a 5% deposit, income requirements, and criteria examples. Explore the concept of low equity margin and discover strategies to increase your deposit. Gain insights into how Kāinga Ora assesses debt and the options for previous homeowners. Dive into the differences between the First Home Loan and First Home Grant and get a glimpse of interest rate trends and predictions.

⏰ Chapters ⏰
00:00 What this video covers
01:26 What is Kāinga Ora?
02:46 Eligibility for 5% deposit
05:00 Income requirements
07:38 Eligibility criteria example
09:14 What is low equity margin?
10:52 How to increase deposit
14:57 How strictly does Kāinga Ora look at debt?
17:32 Using Kāinga Ora as a previous homeowner
20:56 First Home Loan vs First Home Grant
23:08 Interest rate trends & predictions
28:29 Final thoughts

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