Home Ownership Pathway for all People living in Aotearoa New Zealand


We work with people in Aotearoa 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 NZ

Book a call today 





  "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 impactof Home Ownership Pathway has enabled hundreds of families to achieve Home Ownership right across Aotearoa. 


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 term goals".    Andrew Lavulavu  CE RFA 



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.  

  • Chair, Pat Lino ( Nuie) 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 based in South Auckland. 
  • Lane Felise (Ngāti Kahungunu,Ngāti Porou, Tokelaun ) Lane has extensive  high level corporate experience in both HR, Recruitment in London and NZ, He has a passion for social procurement and social change. 
  • John Houma ( Ngāti Whatua  Te Uri-o-Hau , Tongan) Has an extensive digital and IT background, community background and networks across Auckland, 


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

We strive to work across all communities 

Book a Consultation Call today  


Knowledge, Expertise and Coaching

Covid `19 Changes. We have up to date knowledge on various changes and how we can ready families for these changes.

 Adapting and creating a sustainable and resilient program to achieve goals. 

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 Advisers & We ONLY Work for your goals


Our families love us because we give them options on the Pathway to Home Ownership

Our Partners


Contact Us

COVID 19 Update : Consultation Call first appt 

All Clients are offered a FREE online process before meeting in person or situations where breaking the bubble .

We work right cross Aotearoa New Zealand

Home Ownership Pathway

New Zealand

+64 21 870 269 info@homeownership.org.nz


By Appointment Only 

One of our friendly team will look after you


Take the first step

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. 

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