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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YouOwn in 60 seconds.

Introducing YouOwn co-ownership.

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 $110,000+ (Bay of Plenty), $130,000+ (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.

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 Akindeju 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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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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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 up to 0.8% 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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