“For turn-key projects – house and land packages, you pay a deposit upfront and the remainder when the property is complete. It's important to note that you may be able to purchase such a package with as little as 5 percent deposit. And your KiwiSaver first-home withdrawal or KiwiSaver HomeStart grant can make a part or all of your deposit,” informed Nathan Miglani, from Loan Market, while addressing the gathering at a free first-home buying seminar organised by the Christchurch-based social organisation Indian Cultural Group (ICG) on April 10. It was part of a series of informative sessions ICG organises, dealing with issues of health, finances, and women empowerment, explained Sandeep Sachdev, President of ICG.