Passive Partnerships
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For residents

If you can afford rent and have a 20% deposit, you can start owning your home.

No bank loan, no 30-year mortgage, no interest-rate changes, no requirement to buy it all, and no bank mortgage serviceability test. And if you're a first-home buyer, your KiwiSaver can still come with you.

Join the waitlist → See what it costs →

The difference

Stop paying off someone else's home.

Every week you rent, your money funds your landlord's mortgage and profit — and you own nothing. As a Resident Owner, that same money builds your own equity.

Renting today

You own 0%
  • 0% ownership, no matter how long you stay
  • Can't paint, can't have a pet, can't put a hook in the wall
  • The landlord can sell at any time — and you move
  • Every dollar of rent is gone the moment you pay it

As a Resident Owner

You're an owner
  • Start owning from a small share, build up over time
  • Renovate, paint, plant, get a dog — your call
  • You sell when you want, on your terms
  • Equity grows with the market, and with anything you add

What it costs

One fee. No interest. No surprises.

On the share you own, you pay nothing. On the share you don't yet own, you pay an Occupancy fee — set below market rent and only on that portion (see how it's worked out). Here's a typical picture on a $700,000 home.

$510
weekly cost — vs $550 rent or $942 on a full mortgage
$22
weekly fee — vs ~$252 in bank margin
No bank loan
no mortgage serviceability test to qualify

Run your own numbers →

Is this for me?

Built for the people the system leaves behind.

It's a great fit if you…

  • Can afford rent, but find it hard to qualify for a bank loan
  • Are a single-income earner, self-employed, or older
  • Want the security and freedom of owning, sooner
  • Are happy to cover normal ownership costs (rates, insurance, upkeep)
  • Plan to stay a while and build equity at your own pace

It may not suit you if you…

  • Want to move at short notice and exit easily, like renting
  • Have no buffer to cover property running costs
  • Could already get a standard mortgage you're comfortable with
  • Want to treat the home purely as an investment to rent out

From day one

You're an owner, not a tenant.

You're registered on the title and you make every decision about the home. No landlord inspections, no asking permission, no notice to leave.

Security

Stay as long as you like
  • No landlord can give you notice
  • The home is yours to settle into
  • School, community, roots

Freedom

Make it your own
  • Renovate, decorate, garden
  • Pets and flatmates welcome
  • Value you add stays with you

Equity

Build real wealth
  • Grows with the market
  • Buy more whenever you can
  • No negative equity — no debt

Ready to start owning?

We're opening to a small first group of Resident Owners. Join the waitlist and we'll be in touch as homes become available.

Join the waitlist →