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.