Rent to Buy

Our Rent to Buy pathway is the ideal starting point. You can rent for up to five years while we help you take the steps necessary toward buying your home. At the end of the 5-year fixed term rental period, you’ll have the right to purchase the home – either buying it outright, or through our Shared Ownership programme.

How it Works

  • Overview

    1. Together, we match your whānau needs and our housing criteria.

    2. Rental contract is up to five years with the option to transition into Shared Ownership or buy your home.

    3. Financial education and support are provided.

    4. Receive comprehensive wrap-around support for debt reduction and savings, with annual check-ins to keep you on track towards building your deposit!

  • This pathway is for whānau who:

    1. Are first home buyers.

    2. Have completed the Sorted Kainga Ora programme.

    3. Seek long-term rentals that provide a clear pathway to home ownership.

    4. Have manageable debt that can be paid off or significantly reduced within five years, being open to collaborative approaches and mutual support in your debt reduction journey.

    5. Require additional support to achieve home ownership. This pathway is tailored for whānau who need guidance and support toward becoming a home owner.

    6. Total household income before tax is less than $130,000 per year.

  • Why choose the Rent to Buy pathway

    1. Stability: Enjoy the security of living in your future home while you save.

    2. Tailored Support: Receive wrap-around assistance with debt reduction and savings.

    3. Progression: Transition smoothly to Shared Ownership when you’re ready and work towards owning the home completely or if you are ready move straight to buying your home outright!

    4. Expert Advice: Further your knowledge with expert guidance and support.

    5. Rental payments go towards your purchase price: Your bond is added to your deposit and your qualifying rental payments are credited against your purchase price!

Start you journey today

Take the next step on your pathway to home ownership. Register now and let Kaenga Hou support you and and your whānau towards a secure and independent future.