We work with people in Aotearoa New Zealand who are:
- First home buyers
- Existing home owners
- Self employed-Business owners
We work with you to understand
- Your current financial situation
- Where our focus needs to be
- What our financial pathway forward will look like
We want you to achieve your goals!
We want to understand and listen to what your goals are?
- Let's create a clear pathway with a timeframe
- Discuss all options to make well informed financial decisions
- Our valuable expertise, market experience and full service saves you time, energy and money
Home Ownership Pathway
We are a Social Enterprise that works at the grassroots level with whanau across Aotearoa New Zealand
WHY US?
WE ARE PURPOSE DRIVEN
"This is a Social Enterprise model and we are a purpose-driven entity, this is what makes us different. We want to make a difference in the Home Ownership Rates and Financial Literacy levels of the Families we work with, we want to create inter generational change and create greater social equity in society" Andrew Lavulavu CE
Andrew founded Home Ownership Pathway and has been working specifically in this space since 2014.
Over that time, the impact of the Home Ownership Pathway movement has enabled hundreds directly and indirectly thousands of families to achieve Home Ownership right across Aotearoa.
Founder & Director Andrew LavuLavu
Our mission is to create a significant social impact right across the Home Ownership sector in Aotearoa.
"I'm very passionate about individuals, families, and communities living in self-control and empowerment through the journey we go through around financial literacy and Home Ownership. Making well-informed decisions and seeing the best value in our service and options for their short term and long term goals" Andrew Lavulavu
B.a Anthropology, Mortgage Adviser Level 5 Financial Services Cert Mortgage Strand, Six Sigma, Leadership NZ Mana Moana Graduate.
Masters Degree -Masters of Technological Futures
Email: andrew@homeownership.org.nz
Client Case Studies
First Home Buyers Auckland
Profile: 24-year-old couple,
Manukau City, South Auckland.
Goal: Purchase First Home 2020
At the start of 2020, we put them on our road map to Home Ownership.
- Our primary action steps were to increase savings, eliminate debt
- Changing and managing their spending and finances.
- Covid 19 and 2 lockdowns in Auckland NZ, changing lending policies needed to be managed.
Outcome: Purchased First Home
A Kiwibuild new build 3 bedroom, as we are specialist with these products, we navigated the changing lending policies during the lockdown and we found a lender who accepted our low risk proposal.
Home Owners looking to renovate
Family Home of 46 years, Ponsonby Auckland, Pasifika family had owned from the '70s, They were looking to complete updated renovations and build a minor dwelling.
Goal: Release equity to finance this renovation and build.
- We assessed that they had sufficient equity and we crunched the numbers and found we were able to get new lending. However, not for the full minor dwelling, We will stage this project over 2 years. Starting with the Home.
- Clients set up a Family Trust, we had 3 building companies to quote us and we have started.
- New Lending is serviceable and sustainable, when we complete works and have a new RV and value of the house will increase. Allowing us to fulfill the plan and needs of this family.
Project funded and renovations underway.
Investors
Goal to obtain finance on a 2nd rental property
- Achieved finance with a 2nd tier lender at favorable rates.
- Our LVR was good across the portfolio and with the RBNZ guidelines. However, servicing was tight for tier 1 lending.
- A specialist non-bank lender was happy with the numbers, equity and security and offered a slightly higher rate than main banks.
The investor was then able to complete the purchase & grow a portfolio.
Home Ownership Pathway Social Enterprise
Social Enterprise
We believe in giving back and operate in the social enterprise framework model. Our entity is purpose driven. We exist to empower not profit. We dedicate our expertise & resources to assist in the education of the families we work for. This layer of kiwi families needs the resources our mandate sets out to achieve.
In the fast-paced financial environment, where housing, home ownership, and financial capacity are constantly evolving, now extraordinary hard-working families will access our breadth of support and services in the Home Ownership and Housing space.
Experience
Our experience is working with Pasifika, Maori, and predominately First Home Buyers. Our core service was built on the journey for a first home buyer.
In the past decade, we have partnered with community groups right across the country, have MOU's with, and formed many industry stakeholder relationships.
We have solid industry professionals we work with who we trust from experience over a sustained period of time in the property, housing and home ownership industry in Aotearoa.
We have the experience and wisdom.
Expertise and Coaching
We're up-to-date on current industry changes.
Our mission is to provide the education and prepare families for these changes so they can be resilient to achieve their goals through our services
We want all kiwi families to achieve their dreams and financial goals through adequate access to our pathway services or program.
We strive to work across all Aotearoa New Zealand communities
