YouOwn. A helping hand to home buyers.

YouOwn is a breath of fresh air for New Zealand that helps Kiwis find a house to call home. Through shared ownership, they help first home buyers into their own homes, when before it just wasn’t financially possible.

YouOwn in a nutshell.

Co-ownership is an easy and exciting option for first home buyers where YouOwn partners with you to purchase a home. It gets you a foot on the property ladder and the confidence of your own roof over your head, without the stresses of renting or anxiety as house prices continue to rise.

How does it work?

You buy a portion of the property you can afford now, and YouOwn helps with the rest. You pay a charge on their portion and after five years, you can buy their share when you are able to. With YouOwn’s help it really is possible to step into your own home today and create the future of your dreams.



Are you eligible?

With a deposit of just 5% it may be possible to own your own home with YouOwn. As long as you are able to service a mortgage of around $500,000+, which means a combined household income of around $110,000, the numbers should stack up. You must be a New Zealand Citizen or Permanent Resident, have a clean credit history with little or no debt, and be buying the property to live in.

Eligibility criteria for YouOwn

  • Combined household income of $110,000+
  • Deposit from savings and/or KiwiSaver of at least 5% of the purchase price.
  • Be a New Zealand Citizen or Permanent Resident.
  • Have a clean credit history.
  • Little or no debt (less than $5,000)
  • Comfortable with repayments on a mortgage of $500,000 or greater (we can help you determine if you are able to should you decide to proceed with the opportunity).
  • Be buying the property to live in.

5 simple steps to home ownership.

01. Apply. Check out the eligibility criteria above and if YouOwn is right for you, register your interest by completing the online application below.

02. Plan & Pre-Approval. If you’re eligible, YouOwn will contact you to discuss your ownership plans and explain the process. They’ll introduce you to a bank in the YouOwn programme and help you to obtain a home loan.

03. Purchase. Together with YouOwn, you’ll sign the sale and purchase agreement as co-owners, pay the builder or vendor a deposit and sign a legal agreement that specifies your joint rights and obligations.

04. Settlement. YouOwn will help you complete documentation to withdraw any KiwiSaver funds and you sign the loan documents with the bank.

05. Move in! The balance of the purchase price is paid, the bank issues a mortgage over the property and you move in! While YouOwn are co-owners you pay them a charge on their portion, this is recalculated every five years.

Get the show on the road.

To get the ball rolling, start by completing the online approval form below. YouOwn will be in touch to discuss whether you meet the criteria. If you do, your application will progress to a home loan application. YouOwn will guide you through the process from purchase to settlement.

To find out more about the YouOwn programme, visit their website

Looking for your dream home? Start here.

YouOwn has partnerships with reputable and established New Zealand builders to enable you to purchase a new home. Check out some of the latest houses available below.

3 Bedroom Townhouse | Fermi Lane, Papakura

YouOwn kicks off 2019 with this 3-bedroom townhouse now available under their shared ownership initiative $675,000 | 3-BED | 119M² | 1 BATHROOM | DOUBLE OFF STREET PARKING Brand New …
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4-Bedroom House | Scotts Point, Hobsonville

$935,000 | 4-BED | 186M | 3 BATHROOMS | GARAGE Brand new 4 bedroom stand alone home in a sought after Auckland location and better value than Hobsonville Point. Location: …
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3-Bedroom Terrace Home | Tapuwae Way, Mangere Bridge

$765,000 | 3-bed | 153m² | Bathroom and Ensuite | Garage 38 Tapuwae Way, Mangere Bridge Brand new 3 bedroom terraced townhouse, single garage, bathroom and ensuite. This property will …
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4-Bedroom House | 35 Tapuwae Way, Mangere Bridge

$895,000 | 4-BED | 188M² | 2 BATHROOM | ENSUITE | GARAGE Brand new 4 bedroom stand alone home in a sought after Auckland location. The home boasts modern finishes, …
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2+3 Bedroom Terrace Houses | Millwater, North Shore
$769,000 | 2-BED | 2 BATHROOMS | 112M2 | SINGLE GARAGE Offering 2 double bedrooms, 2.5 well-appointed bathrooms and an open plan living, kitchen and dining area, this home is perfectly designed …
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2-Bedroom Houses | Pine Harbour
$795,000 | 2-BED | 2 BATHROOM 107M2 FLOOR AREA | 103M2 SECTION Offering 2 double bedrooms, a family bathroom, an open plan living, kitchen and dining area plus internal access single garaging …
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2-Bedroom Terraced Townhouse | Whangaparaoa
$695,000 | 2-Bed | 1 Bathroom | 98m2 floor area | 119m2 section This new home has a thoughtful floor plan that incorporates 2 double bedrooms, a family bathroom and a superb …
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2-Bedroom Terrace House | Overlea, Tamaki
$760,000 | 2-BED | 1½ BATHROOMS | 100M2 | 1 OFF STREET CARPARK A North facing open plan living/dining/kitchen area offers easy access to the outdoor entertaining area within the fully landscaped …
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If these houses aren’t quite right, let us know what you’re after here.

The above range of YouOwn homes is a selection.  If what you see above is not quite right, please complete the form here to let us know what you are after.

Ready to own your own home? Apply today.

Please register your interest in co-ownership housing with YouOwn by completing this form.

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