Independent public-opinion data2026 election cycle / Public beta
CAMPAIGN GUIDE · NEW ZEALAND 2026

Compare the parties.

See the proposals, follow the funding and read the evidence.

7 parties67 selected policy summariesChecked

Proposals and forecasts are party claims. Our checks trace the sources and arithmetic; coalition agreements may change delivery.

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Housing

Buying, renting, building and public housing.

7 summaries · 7 parties

ACT

1 summary

Consenting rules based on physical effects

Base consent restrictions on physical effects, with measurable freshwater standards and protection for physical heritage and settlement rights.

Current policy positionParty source
Our assessment & details

Our assessment

Analysis
Strengths
  • Offers a stated physical-effects test and keeps heritage, ecosystems and Treaty settlement rights within consent assessment.Evidence
Trade-offs & risks
  • Purely spiritual or religious concerns would no longer justify consent conditions, changing how those values are represented in planning.Evidence
Open questions
  • The page does not define new freshwater thresholds or how councils would distinguish physical from spiritual effects in disputed cases.Evidence

Party proposal

ACT proposes excluding purely religious or spiritual effects as grounds for consent restrictions and prohibiting compulsory religious observances in consent conditions. It would replace Te Mana o te Wai with measurable freshwater standards.

Who it covers
Applicants for covered planning consents. The party says physical heritage, urupā, archaeological sites, customary physical uses and Treaty settlement rights would still be addressed.
Timing
No implementation date specified in the reviewed source.
Cost & funding stated by the party
No total cost or funding source specified in the reviewed source.
Sources reviewed
ACT: infrastructure consenting rules Policy page · Publication date not stated

Green Party

1 summary

Public homes and limits on rent increases

Build more public homes and cap annual rent increases at 2%, alongside stronger rental standards.

2026 election policyParty source
Our assessment & details

Our assessment

Analysis
Strengths
  • A defined rent cap could make increases more predictable for tenants, while additional public and accessible homes address housing needs.Evidence
Trade-offs & risks
  • Landlords would face a 2% annual cap, limits when changing tenants and an independently certified rental-quality standard.Evidence
Open questions
  • The chapter does not cost construction or compliance, set a delivery timetable, or explain exceptions to the rent cap.Evidence

Party proposal

The Greens propose tens of thousands of additional public homes, more papakāinga on Māori land, and an annual rent-increase limit of 2%. They would link rent in a new tenancy to the previous tenancy and strengthen rental quality checks.

Who it covers
Renters, people needing public or accessible housing, and papakāinga developments. The chapter also proposes same-day accommodation for people experiencing homelessness.
Timing
No delivery timetable for the proposed homes or rent changes is specified in this chapter.
Cost & funding stated by the party
The chapter proposes reversing tax advantages for landlords and property speculation. It does not provide a total housing-package cost or ring-fenced revenue amount.
Sources reviewed
Greens: 2026 manifesto — housing Manifesto chapter · Publication date not stated

Labour

1 summary

Restart social housing construction

Restart Kāinga Ora construction and give community housing providers more predictable funding and a borrowing guarantee.

2026 election policyParty source
Our assessment & details

Our assessment

Analysis
Strengths
  • A quantified 6,000-home commitment, capital allocation and support for community providers give a clearer basis for tracking construction.Evidence 1Evidence 2Evidence 3
Trade-offs & risks
  • The $2.9bn capital commitment uses future investment allowances; rental subsidies and provider borrowing also need ongoing support.Evidence 1Evidence 2Evidence 3
Open questions
  • Reconcile the $745m announcement with fiscal-table housing lines, and publish completion dates, locations and provider-guarantee exposure.Evidence 1Evidence 2Evidence 3

Party proposal

Labour would restart Kāinga Ora construction; its fiscal table identifies 6,000 state houses. Community housing providers would receive more predictable funding and a government borrowing guarantee.

Who it covers
People needing social housing, community housing providers and construction workers. The 6,000-state-house figure comes from the fiscal table, rather than the shorter web announcement.
Timing
Start within a year of taking office; the official fiscal summary spreads Kāinga Ora capital across four years. No exact completion date for all homes is given.
Cost & funding stated by the party
The announcement gives $2.9bn capital and $745m operating support; the fiscal table separately shows $760m IRRS and other housing adjustments. That source difference is not reconciled. These are not annual programme costs.
Sources reviewed
Labour: Start Work Now — housing allocation Policy page · Publication date not stated
Labour: fiscal summary and capital period Policy page · Publication date not stated

National

1 summary

Widen access to 5% home deposits

Raise the First Home Loan income cap to $300,000, keeping the lender’s affordability test for a 5% deposit.

2026 election policyParty source
Our assessment & details

Our assessment

Analysis
Strengths
  • Widens access to an existing low-deposit scheme while retaining lenders' affordability checks, addressing the deposit hurdle for more eligible buyers.Evidence
Trade-offs & risks
  • A 5% deposit means a larger loan for the same home. Borrowers still pay mortgage-insurance costs and must meet lending requirements.Evidence
Open questions
  • When would the expansion start, and what fiscal period does the $4–6m estimate cover?Evidence

Party proposal

National would raise the First Home Loan income cap to $300,000 for all applicant types. Eligible buyers could use a 5% deposit, while lenders would still decide whether they can afford the mortgage.

Who it covers
Eligible first-home buyers within the proposed income cap. A smaller deposit does not remove the lender’s affordability test or guarantee approval.
Timing
Proposed for a re-elected government; no implementation date is specified in the reviewed sources.
Cost & funding stated by the party
The party paper estimates a fiscal impact of $4–6 million, funded from existing budgets. It does not specify an annual or multi-year period for that estimate.
Sources reviewed
National: First Home Loan access Policy page · Publication date not stated
National: first-home buyer policy (PDF) Policy paper · Publication date not stated

NZ First

1 summary

Citizen-priority social housing and population planning

Prioritise citizens for social housing and link a long-term population plan and proposed resident-visa cap to housing and infrastructure capacity.

2026 election policyParty source
Our assessment & details

Our assessment

Analysis
Strengths
  • Linking population decisions to funded infrastructure recognises housing and service capacity constraints.Evidence
Trade-offs & risks
  • Citizenship priority could change access for non-citizens in urgent housing need; it does not itself create additional homes.Evidence
Open questions
  • Clarify eligibility, existing tenants, need-based exceptions and how capacity would be measured. The announcement specifies no delivery budget or implementation schedule.Evidence

Party proposal

NZ First would prioritise citizens for social housing and develop a 30-year population plan linking immigration, housing and infrastructure. A referendum would propose a 20,000 annual resident-visa cap and population growth where infrastructure exists or is funded and scheduled.

Who it covers
Citizens and non-citizens needing social housing, councils and prospective residents.
Timing
Proposed for the next government term; no housing-rule commencement date is given.
Cost & funding stated by the party
The announcement gives no cost for the housing-priority rule, population plan or referendum, and no additional house-building allocation.

The wording establishes a priority, without explaining whether eligible non-citizens would be excluded or how housing need would be weighted.

Sources reviewed
NZ First: immigration reform announcement Announcement · Published

Opportunity (TOP)

1 summary

Simpler planning and affordable-housing finance

Simplify planning zones and modular approvals, strengthen rentals and expand affordable-housing finance.

2026 election policyParty source
Our assessment & details

Our assessment

Analysis
Strengths
  • Addresses both approvals and finance; pre-approval for proven modular methods could reduce repeated assessment while retaining protected planning zones.Evidence
Trade-offs & risks
  • Government finance and council GST refunds use Crown resources. Nationally consistent zones also reduce local discretion over planning categories.Evidence
Open questions
  • What is the full cost, when would reforms begin, and what lending safeguards and infrastructure funding accompany new construction?Evidence

Party proposal

Opportunity proposes ten nationally consistent planning zones, pre-approval for proven modular building methods, stronger rental standards and wider access to low-cost government finance for affordable and social housing.

Who it covers
Home builders, renters, councils, iwi and community housing providers. It would also expand home-energy improvements to eligible rentals and support more papakāinga and multigenerational homes.
Timing
No implementation date specified in the reviewed source.
Cost & funding stated by the party
The page proposes government finance and GST refunds to councils for qualifying new homes. No total package cost is provided in the reviewed page.
Sources reviewed
Opportunity: Affordable Housing Policy page · Publication date not stated

Te Pāti Māori

1 summary

More homes and support to build on Māori land

Build homes on ancestral land, change public-housing allocations, strengthen renter protections and tax vacant homes.

2026 election policyParty source
Our assessment & details

Our assessment

Analysis
Strengths
  • A four-year ancestral-land housing target and eviction timetable give measurable commitments, while rent rules aim to make increases more predictable.Evidence
Trade-offs & risks
  • The vacancy tax raises costs for qualifying owners; allocating half of new social housing to Māori changes how other applicants access new supply.Evidence
Open questions
  • What funds the full package, what period does the $3bn estimate cover, and what building capacity and vacancy-tax exceptions apply?Evidence

Party proposal

Te Pāti Māori proposes 2,000 homes on ancestral Māori land within four years, allocating half of new social housing to Māori, an initial rent freeze and a tax on long-vacant homes.

Who it covers
Whānau building on ancestral land, social-housing applicants and renters. The paper proposes a 2% annual capital-value vacancy tax for homes empty more than three months in a year.
Timing
Ancestral-land homes within four years; repeal no-cause evictions within 100 days. Rent increases would later track inflation with an improvements exception.
Cost & funding stated by the party
The paper proposes redirecting $3bn from repealing interest deductibility, without specifying the period. It does not give a complete housing-package cost or funding reconciliation.
Sources reviewed
Te Pāti Māori: housing summary Policy page · Publication date not stated
Te Pāti Māori: full 2026 housing paper Policy paper · Publication date not stated

Selected coverage, not a ranking of policy quality. How we review the sources

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