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 / Resident Visa
- 5% deposit from savings/Kiwisaver
- Low or no debt
- Household income of $150,000+ for two applicants and $95,000+ for a single applicant
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02. Talk to us

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

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 and sign a sale and purchase agreement conditional on finance
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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.

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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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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Find your home.

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

You can purchase a new home or one that is already built.  When you are ready to sign a sale and purchase agreement, make sure it is conditional on finance for a period of at least 10 working days.  During this time you obtain the approval of the home lender and complete the valuation and building report.  Your solicitor and financial advisor can advise you on this.

Things to remember:

  • YouOwn has criteria for the purchase of property click here
  • YouOwn requires an independent valuation and building report
  • You will need a solicitor

We can provide guidance on finding your home and the type of property to buy.

Get started

Click here to apply for home ownership with YouOwn.