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 families in Aotearoa NZ
Book a call today
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 Home Ownership Pathway has enabled hundreds directly and indirectly thousands 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) andrew@homeownership.org.nz
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 and current policy 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 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, lenders changing policies needed to be manged.
Outcome: Purchased First Home December 2020
A Kiwibuild new build 3 bedroom, as we are specialist with these products, we navigated the changing lending policies during lockdown and we found a lender who accepted our proposal.
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.
Investors
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
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