YouOwn Shared Ownership

Think you need a 20% deposit to buy your first home?
That’s the biggest myth we see - and it’s keeping good people stuck renting.

At YouOwn, eligible buyers can purchase with just a 5% deposit through shared ownership.
✔ No income caps
✔ More flexibility than many traditional low-deposit loans
✔ A structured pathway to full ownership over time

If you’ve been waiting years to save 20%, it might be worth asking whether there’s another way.

Each year, more first-home buyers are choosing shared ownership with YouOwn - with over 200 households helped so far.

If the only thing holding you back is deposit size — let’s talk.
Register your interest or apply online at youown.co.nz

Unable to access the First Home Loan because your income is too high?

There is no income cap to purchase a home through shared ownership with YouOwn.

If your ready to buy a home but don't have a large enough deposit saved up we’ve got you covered.

With as little as a 5% deposit, stepping onto the property ladder has never been easier for Kiwis. 🏠✨

Ready to take the first step? Find out more here: www.youown.co.nz

Potential home buyers. The market is in YOUR favour. With house prices currently 15–20% below their peak and a wide selection of homes to choose from, this is a great time to make your move.

At YouOwn, we’re here to help you take advantage of this buyer’s market with our low 5% deposit shared ownership program—making homeownership achievable even if you haven’t saved a huge deposit.
✅ No income caps
✅ Available across New Zealand
✅ Buy new or existing homes
✅ You aim to buy YouOwns share out after five years using capital gain

Check your eligibility for shared ownership with YouOwn today and get one step closer to your dream home.
👉 www.youown.co.nz/how-youown-works/are-you-eligible/
📩 Have questions? Our friendly team is ready to help—send us a message!

YouOwn: Helping Kiwis Buy a Home Through Shared Ownership Offering a helping hand to home buyers since 2017 through shared ownership. With a low deposit of just 5% you can get a foot on the property ladder.

🌟 SUCCESS STORY 🌟 "Thank you to the team at YouOwn. We needed an extra boost to our first home buy and YouOwn were our hero's who supported us through the process."

Meet one of our success stories, Maria and David who through partnering with YouOwn to help with their deposit have achieved their dream and brought their first home.

Check out more inspiring stories here: https://youown.co.nz/success-with-youown/