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

Lets Talk Now

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 

WE're INDEPENDENT & ONLY Work for you

People love us as we give them options, We have access to all lenders in NZ





  "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 


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

Andrew  founded Home Ownership Pathway to help people achieve Home Ownership. 


"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". 

 Feel free to contact Andrew directly for a chat 

021 870 269 




Client Case Studies


First home Buyers

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

Goal: Purchase First Home

We developed a road map to Home Ownership. 

  • Our primary action steps were to increase savings, eliminate debt and avoid debt all together over the course of the next 6 months. 
  • Changing and managing their spending and finances. 
  • This combined with adequate Kiwisaver, along with the applied for Home Start grant available, we obtained lending pre-approval and had our 10% deposit of the Purchase Price.  

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

Married Couple looking to complete 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 nuew numbers and found we were able to get new lending. 
  • This allowed us to focus more on scrutiny and interviewing building companies to start the build. 
  • New Lending is sustainable, RV and value of the house has increased. More so, they are happy in the house they wanted. 

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. 

Contact Us

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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)