Investing in New Zealand’s community housing sector.
Established to enable capital markets, philanthropists and impact investors to play a direct role in delivering more affordable housing nationwide. CHFA is New Zealand’s leading lender to the community and affordable housing sector, bringing market discipline and social purpose together to invest in our future and our country.
We connect capital with social impact.
With an A+ Credit Rating from S&P Global Ratings, an efficient finance model and Crown support, we enable lower borrowing costs so more affordable homes can be delivered nationwide.
By working with debt capital markets, the government and community and affordable housing providers, we’re building stronger communities and investing in our future.
Making meaningful impact
CHFA operates as part of a wider social enterprise model with Community Finance, which together consciously operate on lower margins than many other lenders. Investing with CHFA helps finance the delivery of warm, dry, affordable homes across New Zealand.
By providing lower-cost, efficient finance at scale, we help the sector to deliver more homes.
$439m funds advanced nationwide
Borrowers financed
“The Government is moving to level the playing field between Kāinga Ora and CHPs by establishing Crown lending facilities of up to $150 million for the Community Housing Funding Agency. This will lay the foundation for CHFA to borrow hundreds of millions or billions of dollars, supporting not just the delivery of social housing, but also CHPs’ broader affordable housing portfolios.”
Hon Chris Bishop, Minister of Housing, 27 March 2025
CHFA works with providers of community and affordable housing nationwide, including:
Investors
Borrowers
The need
There are more than 19,000 households currently waiting for public housing on the Housing Register, which highlights the significant social inequality challenge New Zealand faces.
The negative socio-economic outcomes of failing to address social housing need is well documented with impacts on health, education, crime and productivity.
CHFA offers a way to secure the money required to address this significant challenge. With an estimated $300 billion of funds under management in New Zealand, one of the aspirations and benefits of the CHFA is that it creates a tangible way to scale KiwiSaver and fund manager investment into an area of real social need in our country.
19,297
as of July 2025
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