Current co-ownership rate 3.35%

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

We are delighted to announce new funding is now available for low deposit, property co-ownership.

Are you tired of watching the property market grow while your dreams of homeownership feel out of reach? Let YouOwn help you take that crucial first step towards owning your own home.

Not ready to buy right now?

Register your interest today to ensure there are funds available when you come to buy your home.

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 with low deposit (as little as 5%) and the security of your own roof over your head, without the stresses of renting or anxiety as house prices continue to rise.


  • Check No income cap
  • Check YouOwn contributes up to 15% deposit
  • Check You aim to buy YouOwns share out after five years
  • Check Able to buy new or existing properties
  • Check Available throughout New Zealand
  • Check YouOwn plays a passive role
  • Check No timeframe to buy equity share back
  • Check No minimum income (but to buy a house, you generally need a combined household income of more than $150,000 to borrow enough with 5% deposit)

YouOwn in 60 seconds.

Introducing YouOwn co-ownership with 5% deposit.

5 simple steps to home ownership.

Together, we make home ownership with a low deposit a reality. And make it easy!
Apply icon

01. Are you eligible?

  • NZ Citizen / Permanent Resident / Resident Visa
  • 5% deposit from savings/Kiwisaver
  • Good credit record
  • Household income ideally more than $150,000+ for two applicants and $95,000+ for a single applicant

* more info about eligibility and FAQs

Plan & pre-approval icon

02. Register Interest or Get Started

If you’re eligible, please register your interest here or apply today to get pre-approved so you can start looking for your new home


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 financial advisor and bank who will provide your home loan

Settlement icon

04. Find your home

Find your home and sign a sale and purchase agreement conditional on finance. *YouOwn has criteria for the purchase of property click here

Move in icon

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.

Shane and Diana success story

April 22, 2024
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“This is a big thank you to Nigel and the YouOwn team for accepting and coming on board with us in the purchase of our new home. Companies like yours…

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Success with YouOwn.

Adam and Kathryn

June 30, 2023
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Success with YouOwn.

Matt, Matt Jr and Tuhe

Thanks for your support, Nigel, it means a world to us to actually having our own house.
November 28, 2022
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Success with YouOwn.

Wairangi and Michael

Things are going great and we couldn't be more happier having our own home. Absolutely loving it and thankful for the help of YouOwn.
May 10, 2022
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Success with YouOwn.

Nikki and Zoe

We are loving our new home
May 2, 2022
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Success with YouOwn.

Gabriel with his family

Yesterday, a long-time dream came true, I became a home owner, and today I picked up my keys and worked from my new home, my own home, for the first time. I want to say thank you for the roles you have played in making this a reality; I am grateful.
March 8, 2022
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Success with YouOwn.

Delight and Belinda

We would like to express our utmost gratitude for assisting our family to get on the property ladder. It is because of you that we now have a home to call our own. One of the best gifts any man can ask for is to have a shelter and YouOwn has made this possible for us.
December 1, 2021
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Success with YouOwn.

Tara and Quentin

My husband and I come from generations of poverty and to achieve this for us was to bring hope to our children and grandchildren that their past or upbringing doesn’t determine their future and that anything is possible if they work hard for it.
October 12, 2021
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We would like to send a HUGE Thank you to every single one of you who have helped us achieve our dream. We are so grateful and we wish we…

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Success with YouOwn.

Kim and Corey

We’re pretty excited. Just to know that we’ve set our kids up for their future as well.
June 29, 2021
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Kim and her family were ideal candidates for YouOwn co-ownership because they had a sizeable deposit and steady incomes. Check out the full article.

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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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