# Couple saving for a first home

NZ Election 2026 · Edition 5 · Voter profiles · S04

My partner and I rent, have steady jobs and are trying to save a deposit for our first home. We worry that the target keeps moving.

[Back to the study](https://nzbrands.ai/research/nz-election-2026/editions/5#situations)

| Measure | Value |
| --- | --- |
| questions written for them | 5 |
| answers collected | 20 |
| AI assistants | 4 |
| asked nationally | NZ |

## What this voter asked

### Question 18: Housing

My partner and I rent, have steady jobs and are trying to save a deposit for our first home. We worry that the target keeps moving. I am considering my vote in the 2026 New Zealand general election. How do the parties' housing plans differ for first-home buyers rather than existing property owners?

[Read the captured answers](https://nzbrands.ai/research/nz-election-2026/editions/5/questions/a458211f-8ce0-4081-a20b-5addcf578b35.md)

### Question 19: Housing

My partner and I rent, have steady jobs and are trying to save a deposit for our first home. We worry that the target keeps moving. I am considering my vote in the 2026 New Zealand general election. What do parties propose about investors, land use and building more homes, and how might those choices affect first-home prices?

[Read the captured answers](https://nzbrands.ai/research/nz-election-2026/editions/5/questions/7248ecb4-bbad-42fc-842b-f31e2a9b9f06.md)

### Question 20: Tax and public spending

My partner and I rent, have steady jobs and are trying to save a deposit for our first home. We worry that the target keeps moving. I am considering my vote in the 2026 New Zealand general election. Which parties propose changes to taxes on property or capital gains, and what could those changes mean for people trying to buy?

[Read the captured answers](https://nzbrands.ai/research/nz-election-2026/editions/5/questions/d29a2510-6b5d-450b-aeb9-99e5bfafa121.md)

### Question 21: Cost of living

My partner and I rent, have steady jobs and are trying to save a deposit for our first home. We worry that the target keeps moving. I am considering my vote in the 2026 New Zealand general election. What policies might leave a renting couple with more money to save, and what trade-offs would they involve?

[Read the captured answers](https://nzbrands.ai/research/nz-election-2026/editions/5/questions/e292248d-ee42-4f0e-9e71-36934675b2f8.md)

### Question 22: Infrastructure and local services

My partner and I rent, have steady jobs and are trying to save a deposit for our first home. We worry that the target keeps moving. I am considering my vote in the 2026 New Zealand general election. How do parties plan to fund the transport and water infrastructure needed for new housing?

[Read the captured answers](https://nzbrands.ai/research/nz-election-2026/editions/5/questions/0e379896-b30e-4b8e-9ad3-648aeeaa00a8.md)

## Which parties appeared in the answers

The figures count names in the 20 answers recorded for this situation. Naming a party does not mean recommending it.

| Party | Answers | Total |
| --- | --- | --- |
| National | 19 | 20 |
| Labour | 19 | 20 |
| Greens | 20 | 20 |
| ACT | 15 | 20 |
| NZ First | 9 | 20 |
| Te Pāti Māori | 11 | 20 |
| TOP | 11 | 20 |

## Party names across this voter’s topics

Each row is one of this voter's topics. Each column is a party. The figure shows how often the party was named in the answers.

This table shows the answers recorded on 23 October. The coloured bars summarise how statements about each party were assessed; select a figure to read the extracts.

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Housing | National | 8 | 8 | 26 | 26 | 4 | 1 |
| Housing | Labour | 8 | 8 | 22 | 27 | 3 | 1 |
| Housing | Greens | 8 | 8 | 14 | 22 | 3 | 2 |
| Housing | ACT | 8 | 8 | 12 | 24 | 3 | 0 |
| Housing | NZ First | 4 | 8 | 3 | 7 | 2 | 0 |
| Housing | Te Pāti Māori | 5 | 8 | 8 | 11 | 1 | 1 |
| Housing | TOP | 4 | 8 | 7 | 10 | 3 | 0 |

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Tax and public spending | National | 4 | 4 | 4 | 11 | 0 | 1 |
| Tax and public spending | Labour | 4 | 4 | 4 | 18 | 2 | 0 |
| Tax and public spending | Greens | 4 | 4 | 3 | 13 | 1 | 1 |
| Tax and public spending | ACT | 4 | 4 | 1 | 10 | 1 | 0 |
| Tax and public spending | NZ First | 2 | 4 | 0 | 5 | 0 | 0 |
| Tax and public spending | Te Pāti Māori | 3 | 4 | 4 | 14 | 0 | 0 |
| Tax and public spending | TOP | 3 | 4 | 2 | 9 | 1 | 0 |

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Cost of living | National | 3 | 4 | 1 | 6 | 0 | 0 |
| Cost of living | Labour | 3 | 4 | 1 | 5 | 0 | 0 |
| Cost of living | Greens | 4 | 4 | 0 | 8 | 0 | 0 |
| Cost of living | ACT | 1 | 4 | 0 | 3 | 0 | 0 |
| Cost of living | NZ First | 0 | 4 | 0 | 0 | 0 | 0 |
| Cost of living | Te Pāti Māori | 2 | 4 | 0 | 5 | 0 | 0 |
| Cost of living | TOP | 2 | 4 | 0 | 5 | 0 | 0 |

| Topic | Party | Answers naming the party | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Infrastructure and local services | National | 4 | 4 | 5 | 11 | 0 | 1 |
| Infrastructure and local services | Labour | 4 | 4 | 4 | 13 | 1 | 0 |
| Infrastructure and local services | Greens | 4 | 4 | 5 | 8 | 2 | 0 |
| Infrastructure and local services | ACT | 2 | 4 | 3 | 4 | 2 | 0 |
| Infrastructure and local services | NZ First | 3 | 4 | 4 | 2 | 0 | 0 |
| Infrastructure and local services | Te Pāti Māori | 1 | 4 | 2 | 1 | 0 | 0 |
| Infrastructure and local services | TOP | 2 | 4 | 2 | 1 | 0 | 0 |

## How the main answer changed

The first-home answer gave more attention to low-deposit lending and the treatment of property investors. The earlier discussion of The Opportunity Party's land-tax approach disappeared.

Gemini offered to explore an example mortgage, but did not establish what this couple could borrow or afford.

Gemini: “* TOP proposes a structural overhaul centered on a **1.75% annual Land Value Tax** on urban land (paired with a citizen's income).”

[Read the answer](https://nzbrands.ai/research/nz-election-2026/editions/4/questions/a458211f-8ce0-4081-a20b-5addcf578b35.md) · Answer ID: 2330ee98-959f-4176-8f12-ad9c8c49ee93

Gemini: “They plan to lift the combined/individual income cap to **$300,000** (up from $95,000 for singles and $150,000 for couples).”

[Read the answer](https://nzbrands.ai/research/nz-election-2026/editions/5/questions/a458211f-8ce0-4081-a20b-5addcf578b35.md) · Answer ID: ab4899fe-6b7e-4d9e-ae89-1976886dea0f

## The sources behind these answers

The websites recorded with each assistant’s answers for this voter. Choose a topic to see its sources.

### ChatGPT

| Website | Answers with this website recorded |
| --- | --- |
| 1news.co.nz | 3 |
| interest.co.nz | 3 |
| labour.org.nz | 3 |
| policy.nz | 3 |
| greens.org.nz | 2 |
| national.org.nz | 2 |
| propertynz.co.nz | 2 |
| realestate.co.nz | 2 |
| b2bnews.co.nz | 1 |
| beehive.govt.nz | 1 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| realestate.co.nz | 3 |
| buildara.nz | 2 |
| interest.co.nz | 2 |
| rossholmeslawyers.com | 2 |
| assets.national.org.nz | 1 |
| bdo.nz | 1 |
| deloitte.com | 1 |
| hud.govt.nz | 1 |
| minterellison.co.nz | 1 |
| mpm.kiwi | 1 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| policy.nz | 3 |
| realestate.co.nz | 3 |
| wolfbrook.co.nz | 2 |
| mangawhairealestate.nz | 1 |
| minterellison.co.nz | 1 |
| nexia.co.nz | 1 |
| nzherald.co.nz | 1 |
| nzvotecheck.com | 1 |
| thedlist.co.nz | 1 |
| waateanews.com | 1 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| interest.co.nz | 4 |
| nzherald.co.nz | 4 |
| wolfbrook.co.nz | 4 |
| facebook.com | 3 |
| labour.org.nz | 3 |
| mymortgage.co.nz | 3 |
| policy.nz | 3 |
| realestate.co.nz | 3 |
| rossholmeslawyers.com | 3 |
| anzasw.nz | 2 |

Sources count once per answer. Source lists were recorded for 20 of this voter’s 20 answers. Visible links are counted separately. Other websites include unclassified publishers.

[Previous: Renter with variable work hours](https://nzbrands.ai/research/nz-election-2026/editions/5/voters/s03)

[Next: Working household under mortgage pressure](https://nzbrands.ai/research/nz-election-2026/editions/5/voters/s05)