Current co-ownership rate 3.35%

with an 80% home loan from BNZ at a fixed rate of 3.05%

Shared ownership with YouOwn.

We call it co-ownership. It’s an easy and exciting option for home buyers where we partner with you to purchase a new home. It gets you a foot on the property ladder and the security of your own roof over your head, without the stresses of renting or anxiety as house prices continue to rise.

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Home lending with YouOwn

It’s simple. YouOwn provides a term loan for the amount you need to obtain a home loan. We charge a fixed interest rate for five years. You use our funding to help you buy your home and in five years you aim to repay our loan from the increase in your equity from the capital growth of your property and the principal you have paid off your home loan.

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5 simple steps to home ownership.

Together, we make home ownership a reality. And make it easy!
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01. Are you eligible?

- NZ Citizen / Permanent Resident
- 5% deposit from savings/Kiwisaver
- Low or no debt
- Household income of $90,000+ (Bay of Plenty), $110,000+ (Auckland)
Plan & pre-approval icon

02. Talk to us

If you're eligible, please register your interest here or call us on 09 302 8521.
Purchase

03. Get a home loan

Once we agree to work together with YouOwn providing the funds for your deposit, we can help you find a bank who will provide your home loan.
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04. Find your home

Find your home with YouOwn using our network of reputable and established builders and Real Estate agents, or find your home yourself and negotiate the purchase price with the vendor or agent.
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05. Move in!

You sign the loan documents with your solicitor. The balance of the purchase price is paid, the bank registers a mortgage over the property and you move in!

Success with YouOwn.

Marlien and Andre

"Just want to thank you all for all the efforts and assistance helping us to get into our first home.  We really appreciate it and are very happy in our new home."
September 18, 2020
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Success with YouOwn.

Janelle and Jay

"With the help of YouOwn, we were able to get a foot on the ladder of the rising property market, but more importantly for us as a family, we now have a place that we can call our very own First Home"
September 11, 2020
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With New Zealand perpetually facing a housing crisis, the reality of owning our home was becoming increasingly unreachable. We knew we were investing in somebody else’s home by paying an…

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Success with YouOwn.

John and Michelle

John, Michelle and Ivy with builder Russell Jones at their new home at Riverhead.
September 10, 2020
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Success with YouOwn.

Michelle, Melissa and Nathan

Michelle, Melissa and Nathan outside their new home in Pokeno
September 9, 2020
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Success with YouOwn.

Anselea and Phillip

"Starting the process with YouOwn was super easy! A few months ago owning a home was a faint dream and now it is literally our reality with the help of YouOwn. The feeling is surreal!"
March 2, 2020
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Success with YouOwn.

Brad and Rachell

Our first design and build.
December 11, 2019
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Success with YouOwn.

Justin and Ari

"YouOwn made it possible for my partner and I to buy our first home at the age of 25 and secure our place in the market."
December 5, 2019
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Nigel from YouOwn was amazing to deal with and was there every step of the way to ensure a smooth and easy process. We would highly recommend YouOwn to anyone…

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Success with YouOwn.

Masele and Logo

"We are extremely grateful and feel so privileged. We are so blessed to have this opportunity through YouOwn and just can't thank you enough."
May 30, 2019
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Masele and Logo have just purchased a four bedroom house in Tapuwae Way Mangere Bridge. YouOwn contributed 25% to help them with their purchase.

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Success with YouOwn.

Claudette and Clint

“Our kids are saying, this is our forever home. And they’re right.”
July 25, 2018
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Claudette and Clint also purchased in Tapuwae Way. With YouOwn’s assistance they now own 76.2% of their own home. Before buying with YouOwn, Claudette and Clint and their two children…

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Success with YouOwn.

Fleur and Alfred

“The YouOwn programme helped us to overcome the challenges we were facing to buy our first home.”
July 18, 2018
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Fleur and Alfred purchased a four bedroom, double storey house with YouOwn in Tapuwae Way, Mangere Bridge.  This is one of six investments YouOwn has in Tapuwae Way. They earned…

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Find your home.

Before, it was just a dream. Now we’re making buying a home a reality with YouOwn co-ownership.

There are two ways you can purchase your next home with YouOwn.

Find your home with us

YouOwn has partnerships with reputable and established New Zealand builders and Real Estate Agents. We will introduce you to one of YouOwn’s partners, who will meet with you and discuss your requirements for your home. There is no cost to you.

Find your home yourself

With this option you find your home yourself and negotiate the purchase price with the vendor or agent. The cost to you is 1% of the purchase price of the property. You pay this on settlement, or you can ask YouOwn to add it on to the purchase price.
The choice is yours, you decide.

Things to remember:

  • YouOwn and the bank have criteria for the purchase of property
  • YouOwn and the bank require an independent valuation of the property. This is best done when you have a conditional sale and purchase agreement in place
  • You will need a solicitor. YouOwn can provide a list of solicitors who can act and help you for a reasonable cost

Get started

Click here to enquire about home ownership with YouOwn.

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