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.
Read moreHome 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.
Read more5 simple steps to home ownership.
01. Are you eligible?
- 5% deposit from savings/Kiwisaver
- Low or no debt
- Household income of $90,000+ (Bay of Plenty), $110,000+ (Auckland)
02. Talk to us
03. Get a home loan
04. Find your home
05. 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."
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"
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…
Read moreSuccess with YouOwn.
John and Michelle
John, Michelle and Ivy with builder Russell Jones at their new home at Riverhead.
Success with YouOwn.
Michelle, Melissa and Nathan
Michelle, Melissa and Nathan outside their new home in Pokeno
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!"
Success with YouOwn.
Brad and Rachell
Our first design and build.
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."
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…
Read moreSuccess 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."
Masele and Logo have just purchased a four bedroom house in Tapuwae Way Mangere Bridge. YouOwn contributed 25% to help them with their purchase.
Read moreSuccess with YouOwn.
Claudette and Clint
“Our kids are saying, this is our forever home. And they’re right.”
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…
Read moreSuccess with YouOwn.
Fleur and Alfred
“The YouOwn programme helped us to overcome the challenges we were facing to buy our first home.”
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…
Read moreFind 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
