Step by Step Guide

Thank you for your interest in our Housing Developments and what we do.  

Here is a Step-by-Step Guide that takes you through the steps that you need to take on the pathway to home ownership. Please take the time to read through the Guide so you have the best chance of joining one of our Housing Programmes.


Check out our Current Developments to see if there are homes being built in a location you are connected to already, either through living or working in the same area. 


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:  Rent to Own and Shared Ownership


Check your eligibility.

Our basic preliminary criteria are:

  • All applicants must be a New Zealand citizen or New Zealand permanent resident, and
  • At least one member of the household is in full time employment (35+ hours per week), and
  • 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), and
  • Your total household debt is minimal, and
  • You can provide a minimum deposit of $10,000 (which may include Kiwisaver); this is required for all Shared Ownership programmes. If you don't yet have a deposit, you may be suited to the Rent to Own Programme. Read more here, and
  • You are not a current homeowner in New Zealand or overseas, i.e. you are a first time home buyer, and
  • You are committed to owning your own home.


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


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 to let you know if you have met the preliminary requirements.  Depending on your particular circumstances, you may be invited to make a more formal Application for a home.

If you are not invited to submit a formal Application (See STEP FIVE), Housing Foundation will offer you advice on how to increase your chances in the future which will take you a step closer to home ownership.


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.


Important Information about Your Obligations if you are offered a home in one of our programmes.

Every year you will be contacted by a Housing Foundation Household Support 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 Shared Ownership programme) to pay the Annual Management Fee every year; this is non-negotiable, however, we are happy to customise a payment plan to help you pay this annual fee.

After an initial defect period has ended, as a shared home owner (in our Shared Ownership 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 tips in your Resident Handbook that you will receive when you move in and here.

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