Step by Step Guide

Thanks for your interest in our 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 application as soon as possible, there are some requirements we need from you to help make the process run smoothly.


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

Step Two: Check Your Eligibility

Our basic preliminary criteria are:

All Applicants need to be a NZ Resident or a NZ Citizen

At least one member of the household is in full time employment (35+ hours per week)

Your Total Gross Household Income is between $75,000 - $95,000; for the affordable equity product, households will need more than $75,000 of gross household income to be able to purchase a share in the house. Please note this amount may vary depending on house types and between different housing developments, for example Flat Bush requires a base gross income of $80,000.

You are not a current homeowner in New Zealand or overseas (i.e. you are a first 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 this time. Currently we are receiving many more expressions of interest  than we have houses available. 


Step Three: Look over our Current Housing Projects

We are currently looking for expressions of interest for our Housing Projects in several locations. If you are not interested in any of these locations, check back with us from time to time. Use the Contact Form to go on our mailing list to hear about new development and new housing projects as they become available.

Older Adult Rental Housing in Waimahia

Greater Christchurch

Flat Bush, Auckland

Waimahia Inlet

Step Four: Complete your Registration Form

If you think you meet our basic criteria, please complete and submit the Registration Form.  This provides us with enough of you and your family's basic information which enables us to assess your elibility 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 to us, one of our team will be in touch within two weeks from the submission date to let you know if you have met the preliminary requirements. If you are not invited to move to the next stage (a formal Application), we give you advice on how to increase your chances in the future which will take you a step closer to home ownership.

Registration Form

Step Five: The Application

  • If you have met our preliminary criteria, one of our team will send you a formal Application Form to complete. This is a more comprehensive form that requires supporting documents. Please ensure 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 budgeters closest to you), so that we can see your financial plan for the future.
  • If you are in Auckland, there is no need to courier your Application Form and documentation to us;  our postal address is PO Box 44018, Pt Chevalier, Auckland 1246.
  • Our team will complete a thorough assessment of your Application and then one of our team will be in touch with you, by mail. 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 get a house in one of our programmes

  • Every year you will be contacted by one of our Housing Foundation team members 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 every year to pay the Annual Management Fee; this is a requirement for both of our programmes and 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.
  • If after your first year in the house you decide to arrange your own insurance cover for your property, please make sure you do so promptly and send us a copy of your policy for our files. As we ‘co-own’ the property with you, we need to see that it is sufficiently covered by insurance should anything happen.
  • After the initial defect period has ended— two months after you move into the house—it is your responsibility to complete any maintenance that is needed on your property. Your house is likely to be your biggest asset in your lifetime; regular maintenance is very important to protect it. You will find some useful tips on this in your Residents Handbook that you received when you moved in.
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