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.
$450m funds advanced nationwide
Borrowers financed
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.
19,363
as of October 2025
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