Progressive Home Ownership

You’ll rent a home from TRoK, and each time you pay rent, a portion of it goes toward building up your deposit. When you’re ready, that deposit helps you purchase the home you’ve been living in.

You're not doing this alone – our team walks alongside you the whole way. We’ll work with you on a financial plan, check in regularly, and guide you through an 8-week Home Ownership Wānanga to get you prepped for success.

1. Expression of Interest (EOI):
   Let us know you’re keen. Everyone can submit an EOI – especially Māori and Pasifika whānau, who we prioritise.
2. Formal Application:
   If your EOI is successful, you’ll be invited to fill out a formal application with all the supporting documents.
3. Decision Time:
   Applications open 26 May 2025, and all decisions will be finalised by 31 October 2025.

We’re looking for whānau who:

• Are in steady employment
• Have manageable debt
• Are already contributing to KiwiSaver
• Can afford to rent on the private market
• Have a good credit history (or a clear plan to improve it)
• Are committed to completing our 8-week Wānanga and living in the home for at least 3 years

You don’t need these for the EOI, but it’s a good idea to start gathering them now:

Required documents:

• Photo ID (e.g. Driver’s Licence or Passport)
• Proof of NZ Citizenship or Residency (if not born in Aotearoa)
• Latest payslip or MSD income and family tax credit summary
• 52-week income statement from MSD (if applicable)
• Certificate of earnings (if receiving Working for Families)
• Bank statements from the last 3 months (all accounts)
• Details of any hire purchases (what you owe + length of contract)
• Two personal referee contacts
• A tenancy reference

Fill out the Expression of Interest (EOI) form
(An EOI just lets us know you're interested – it’s not a full application.)