I stumbled across a 2020 OIA request to NZ Treasury where someone asked:
what analysis Treasury has done on the KiwiSaver First Home scheme affecting house prices, and how much taxpayer money gets transferred into the housing stock
Treasury released a few internal docs and they basically say that increasing caps would lead to higher house prices and that subsidies for renters/buyers tend to be captured by landlords/sellers instead of improving affordability long-term.
The advice was apparently ignored.


Funneling money to landlords is the system working as intended.