Home Ownership Pathway NZ

Home Ownership Pathway

Home Ownership Pathway
for all People living in New Zealand


We work with people in New Zealand who are:

  • First Home Buyers

  • Existing Home Owners

  • Self Employed  Business Owners

  • Property Investors


We work with you to understand

  • Your current financial situation

  • Where our focus needs to be 

  • What our financial Pathway forward looks like



We want you to achieve your goals!

We want to understand and listen to what your goals are?

  • Let us create a clear pathway with a timeframe

  • Discuss all options to make well informed financial decisions 

  • Our FREE service saves you time, energy and money 


Home Ownership Pathway

We are a Social Enterprise that works at the grassroots level with families in Aotearoa





  "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, his impact has enabled hundreds of families to achieve Home Ownership in South Auckland & Porirua, Wellington. 


Feel free to contact Andrew directly for a chat 

021 870 269 


Andrew LavuLavu Founder B.a Anthropology, Registered Financial Adviser-Level 5 Financial Services Residential Lending (NZQA)


 Our mission is to create a significant social impact right across the Home Ownership sector in Aotearoa. 

  "I'm 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 goals".    Andrew Lavulavu 



Home OWnership Pathway Trust


Social Enterprise

 We believe in giving back and operate in the social enterprise framework model. Our Trust dedicates expertise & resources to assist in the education of the families we work for. This layer of kiwi families who need the resources our mandate sets out to achieve  in the charitable manner and scope. 

 In a fast paced financial  environment, where housing, home ownership and financial capacity is constantly evolving, now extra -ordinary hard working families will access our breath of support and services in the Home Ownership and Housing space..  


We have a dynamic mix of experience and expertise in governance.  

 Tiumalu Peter Fa'afiu (Chairman)
Partner, Navigator Limited (management consultancy). Former Crown company executive, diplomat, trade negotiator. 

Current Board roles:

  • Director, Amnesty International Limited (UK registered company) 
  • Chair, Pacific Media Network (Crown entity)

Previously on boards of:  First Foundation, Pacific Business Trust, NZ Media Council.Partner to Paige McElhinney (forensic scientist), father to blended family of six kids 

  • Lane Felise (Tokelauan. Maori) has extensive experience in both HR, Recruitment in London and NZ, He has a passion for social procurement. 
  • John Houma ( Tongan/Maori) Is a local in Auckland and has an extensive digital and IT background, currently with Zeald NZ.
  • Pat Lino (Niuean) Is the former CEO of Pacific Media Network and has an extensive background in Media and technology. He has a passion for tech & social change.


Our goals are simple. To assist families to achieve their dreams and financial goals through adequate access to our Pathway Program.

We work right across NZ

We are your go-to organisation for 

Home Ownership and Housing.  

Client Case Studies


First home Buyers

Profile: Married Couple, young family looking for stability for their young family. South Auckland. 

Goal: Purchase First Home

We put them on our road map to Home Ownership. 

  • Our primary action steps were to increase savings, eliminate debt and avoid debt all together. 
  • Changing and managing their spending and finances. 
  • obtained pre-approval  from 2 lenders. 

Outcome: Purchased First Home by focusing most of their time and activity out in the market, putting offers in and staying within their budget. 

The new lending was sustainable and repayments are slightly above their old rent costs.

 They now have a solid foundation around financial literacy and habits with Home Ownership achieved.  


Home Owners looking to renovate

Family Home of 46 years, Ponsonby Auckland, Polynesian family had owned from the 70's, 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 increased. Allowing us to fulfill the plan and needs of this family. 

Project funded and renovations underway. 



Profile: Investor

Goal to obtain finance on a 2nd rental property

  • Achieved finance with a 2nd tier lender at favorable rates. 
  • Our LVR was good across 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 and grow their portfolio. 

WE're INDEPENDENT & ONLY Work for you

People love us as we give them options





Kia Ora 

You may have read articles in the media recently about hundreds of thousands of Kiwis not making the most of their KiwiSaver accounts. Kiwis work hard to contribute money to their accounts so why is it that so many people do not get advice that could make them hundreds of thousands of dollars better off at retirement?

 For most people, getting advice is simply a job they intend to do but never get round to. 

Today is the day to stop procrastinating!

We offer a 15 min free general advice session for anyone wanting to learn how to make the most of their KiwiSaver savings. 

Get in touch today or you can set up an appointment.

Click the link below to ask yourself  4 simple questions about the key benefits of KiwiSaver. 

There's a lot more to it than people think! Most of our clients get these questions wrong...


And, if you complete your details at the end, you will go in the draw for a $4,000 House of Travel Voucher or one of ten $100 GrabOne Vouchers.

Look forward to talking with you soon.

Nga Mihi

Kind Regards, 

Andrew LavuLavu

& your Team at Home Ownership Pathway

Please note: The prize draw T&Cs, please contact us for the Product disclosure document for any providers we recommend, some handy links below

Join or Start Kiwisaver 


 Compare a few funds



Join UP or transfer to one of our HOP preferred KiwiSaver Schemes NOW! 

It can take 2mins to get underway 

Click below!

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Home Ownership Pathway

Auckland, Auckland Region, New Zealand

PO Box 13905, 241 Onehunga Mall Rd, Onehunga, Auckland 1061 Level 1, C, 101 Station Road, Penrose 1062 Penrose We work right across New Zealand One of our friendly Team will contact you


By Appointment 

-Skype-Mobile, any platform that suits you  

Monday to Saturday: By Appointment

One of our friendly team will be in touch shortly

Our Partners


Disclosure Policy

We are proudly Kiwi owned and operated in NZ 

We are qualified Registered Financial Advisers and are a member of Financial Advice NZ. 

FSCL   7459  

Registered Financial Services Provider  FSP6285 

We are also part of the Financial Services Complaints Limited, which is an approved dispute resolution scheme under the Financial Service Providers (Registration and Dispute Resolution)  Act 2008

 Copyright © 2018 Home Ownership Pathway - All Rights Reserved. 

Trademark NZ 


Download and keep these handy guides 

Goals (pdf)


Budgeting (pdf)


Debt (pdf)


KiwiSaver (pdf)


KiwiSaver-Booklet-MAORI (pdf)


KiwiSaver-Booklet-SAMOAN (pdf)


KiwiSaver-Booklet-TONGAN (pdf)


KiwiSaver-First-Home-Withdrawal-Form (pdf)


KiwiSaver-HomeStart-Grant-Form (pdf)