Start with what the home is worth today and the rent it would fetch. We use these to work out your occupancy-fee income and your share's growth.
Price growth is a modelling assumption — 3.5% is the long-run NZ regional average. Adjust if you like.
A Passive Partnership property can't have a bank loan secured over it — the Resident Owner's cash buy-in clears your home loan at settlement. Tell us your current balance so we can check the buy-in covers it.
No home loan? Enter 0 for the balance — the whole buy-in becomes freed capital. We use your interest rate as the borrowing cost in the "vs being a landlord" comparison, since keeping the property as a rental means carrying that loan.
As the Passive Owner, the Resident Owner takes over the property's day-to-day costs. We still need your annual figures, because the occupancy rate is set from rent minus these costs. Enter your actuals — the placeholders show typical NZ figures.
How much of the home does the Resident Owner buy? They must start at 20% or more (the Minimum Ownership Threshold). You keep the rest as the Passive Owner.
An illustration based on your numbers. Adjust anything above and this updates.
Total value of the same starting capital — your stake plus the income it earns — as the Passive Owner, as a landlord, or in a term deposit. Capital grows with the regional index; income is reinvested.
On sale, the Passive Owner is paid their recorded interest first; the Resident Owner gets the remainder.