Ways to Own: A Share Equity Journey
A pathway to home ownership made real. Flexible, fair, and focused on helping you put down roots—your way.
Why Shared Equity?
Home ownership has always been a foundation for stability, security, and building a better life. But for many people today, the traditional path is out of reach — deposits are too high, repayments too steep, and lenders often overlook those who could otherwise thrive in a home of their own.
Our Shared Equity programme is designed to remove those barriers. It’s a way for you to step into home ownership with a smaller deposit, more manageable repayments, and the flexibility to grow your ownership over time. By partnering with you, we share the upfront costs and reduce the financial pressure, making it possible to put down roots sooner.
How It Works
Share the journey — then make it your own.
Start with less
You purchase a portion of your home and we support by sharing the cost of the rest
Live and save
Reduced monthly payments giving you breathing room to save & support family
Increase your share
Over time, you can buy back our share—when you’re ready and in your own time
Full ownership
Eventually, the home is 100% yours—built step by step, with you in the driver’s seat
Who It’s For
Designed for people—just like you.
Our Shared Equity programme is designed for people who are ready to own a home but need a more flexible, affordable way to get there.
First-home buyers using kainga whenua trusts
Families and individuals priced out of traditional deposits
Those working with whānau or community to step into homeownership
Anyone who values adaptability, shared community ownership, and long-term security
Why It Works
It aligns with our philosophy—and yours.
It’s a model that blends financial sense with our regenerative, people-first approach—helping you build security and equity over time.
Living Systems in practice — Ownership evolves like a healthy ecosystem, growing with you.
Economically evolving — Your home becomes an asset you can expand into, not just a cost.
Built for belonging — Shared ownership supports connection, stability, and long-term prosperity.
Regenerative at heart — We’re planting seeds—creating neighbourhoods that flourish, one version of “home” at a time.
