Insights
Plain-language thinking on home ownership, the economics behind it, and how Passive Partnerships fits in. No need to read all of these, but they are here if you want to do a deep dive into the bits that interest you — hopefully it gives you an idea of how much research and thought has gone into developing this.
Partial home ownership — a better deal than renting, without the burden of a full mortgage. The middle door that never existed, until now.
Your KiwiSaver first-home withdrawal can come with you into a Passive Partnership. The government lending schemes are a different story — here's the honest, sourced answer.
A guide to finding the right property to buy through Passive Partnerships — and understanding your options depending on your deposit.
Fifty years of evidence says you can't reliably beat the average in shares — so trillions moved to low-cost index funds. Passive Partnerships applies exactly that logic to residential property.
Twelve things landlords wish they'd known — and how Passive Partnerships is structurally designed to remove every one of them.
Borrowing hundreds of thousands of dollars is a costly path to a home — and almost every one of those costs disappears under co-ownership.
Where your rent money really goes — every landlord overhead, margin and risk, priced into what you pay, while you build nothing.
Both let you live in and build equity in a home — but they expose you to house-price risk in very different ways. And only one can push you into negative equity.
A structural comparison of Passive Partnerships co-ownership and conventional mortgage lending — and why the Resident Owner is far less likely to default.
How a non-profit Passive Partnership Administrator stays viable while charging a fraction of a bank or a property manager.
Backstory, motivation, and the people who made it happen — an unlikely story about a group in Akaroa taking on a national housing problem.
A comparison of the alternatives — Kāinga Ora, community land trusts, rent-to-buy, family co-ownership and Passive Partnerships — to help you find what suits you.
The six most instructive overseas ownership models — from UK Shared Ownership to US community land trusts to Unison — and where Passive Partnerships fits the gap none of them fills.
Traditional co-ownership reliably generates disputes, exit traps and counterparty risk. Passive Partnerships removes every one of those failure modes by design, not by goodwill or tighter drafting.