Current co-ownership rate 3.64%

with a 80% home loan from BNZ or Kiwibank at a fixed rate of 3.39%

YouOwn in 60 seconds.

Introducing YouOwn co-ownership.

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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How does YouOwn work?

It’s simple. You buy a portion of the property you can afford now, and we help with the rest. After five years, you can buy our share when you are able to in whole or part. With our help it really is possible to step into your own home today and create the future of your dreams.

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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+ (TGA), $110,000+ (AUK/QT)
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02. Talk to us

If you're eligible, please call us on 09 302 8521 or complete our simple enquiry form online. Either way we'll end up talking to each other to see if we're a good fit.
Purchase

03. Get a home loan

Once we agree to work together with YouOwn providing the capital 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!

We help you complete documentation to withdraw any KiwiSaver funds (if applicable) and you sign the loan documents with the bank. The balance of the purchase price is paid, the bank registers a mortgage over the property and you move in!

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.

Sujay and Anshul

"Thanks for letting our dream come true owning a first wonderful home. It was real pleasure working alongside you."
May 17, 2019
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YouOwn contributed 27% to help Sujay and Anshul purchase a three bedroom townhouse in Papakura.

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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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Success with YouOwn.

Marjorie and Cris

November 15, 2017
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Marjorie and Cris were our first YouOwn customers. We purchased 18% with them in a three bedroom house in Pukekohe. The house was purchased from Mike Greer Homes and Cris…

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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 (plus gst). 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
  • YouOwn is a party to the sale and purchase agreement and must sign or be nominated as a purchaser
  • 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 co‑ownership with YouOwn.

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Easily calculate your repayments

Calculations are based on a 3.39% home loan interest rate over a 30 year term
0.0495 3.64