Step by Step Guide

Thank you for your interest in our housing developments and what we do.  Below is a Step-by-Step Guide that takes you through our application process and obligations.

So that we can be sure to process your query or registration as soon as possible, there are some requirements we need from you to help make the process run smoothly.



Read about our Housing Programmes and find out if what we offer is a suitable match to your particular situation.

You can read about our Home Ownership Programmes here:  Affordable Equity or Affordable Rental



Check your eligibility.

Our basic preliminary criteria are:

  • All applicants must be a New Zealand citizen or New Zealand permanent resident
  • At least one member of the household is in full time employment (35+ hours per week)
  • Your total household gross income (before tax) falls between $65,000 - $95,000 per year - please note that the minimum amount may vary depending on each housing development, house type, house price and area of the development
  • Your total household debt is minimal
  • You can provide a minimum deposit of $10,000 which may include Kiwisaver - this is required for all Affordable Equity programmes
  • You are not a current homeowner in New Zealand or overseas, i.e.: you are a first time home buyer
  • You are committed to owning your own home.

Please note: even if you meet all our preliminary criteria, we may not have a house to offer you at the time.  Currently we are receiving many more expressions of interest than we have properties available.



Look over our current Housing Projects.

You can read about our current Housing Developments here: Housing Projects



Complete your Registration Form.

If you think you meet our basic criteria, please complete and submit a Registration of Interest Form.  This provides us with enough of you and your family's basic information which enables us to assess your eligibility into one of our programmes.

Please be accurate and honest with the information you provide so you have the best possible chance of being invited to take the next step towards home ownership.

After submitting the Registration of Interest Form, a Housing Foundation team member will be in touch with you as soon as possible to let you know if you have met the preliminary requirements.  If you are not invited to move to to the next stage (full Application), we will give you advice on how to increase your chances in the future which will take you a step closer to home ownership.

You can register your interest here: Registration Form



Full Application.

If you have met our preliminary criteria, a Housing Foundation team member will send you a formal Application Form to complete.  This is a more comprehensive form that requires supporting documents.  Please ensure that you complete all sections fully.

You may also be asked to prepare a budget with a registered budget advisor (we can give you the details of budget advisors closest to you) so that we can see your financial plan for the future.

Our team will complete a thorough assessment of your application and a Housing Foundation team member will be in touch with you.  This assessment can take up to three weeks as we receive a large number of applications, so please be patient.  If you are successful with your application you will progress to the next step in the process.  Our team will make sure you know what to do all the way through to the exciting part of the process when hopefully a home will be allocated to you and your family.

If you have any questions, please contact us on 0800 4 HOUSING (446 874) or email us at This email address is being protected from spambots. You need JavaScript enabled to view it.


Your Obligations if you are allocated a home in one of our programmes.

Every year you will be contacted by a Housing Foundation Housing Manager to arrange a visit for an Annual Review - this is so we can have a chat about how you are enjoying your home and if you are on track with your financial goals.

It is your responsibility (if you are in our Affordable Equity programme) to pay the Annual Management Fee every year; this is non-negotiable.  If you do have trouble paying this fee, please let us know and we will do our best to come up with a suitable payment arrangement.

After an initial defect period has ended, as a shared home owner (in our Affordable Equity programme) it is your responsibility to complete any maintenance that is needed on your property.  Your home is likely to be be your biggest asset and regular maintenance is very important to protect it.  You will find some useful tipes in your Resident Handbook that you will receive when you move in.

back to top