How does Key2Own work:

An Overview

Sometimes known as Lease-to-Own or Rent-to-Buy, our program not only provides you with a secure residential tenancy over the property, but it also provides you with a simple Option* to purchase the home at some future date.

So, what is unique is that our program allows you to live in the property and call it home whilst establishing a regular credit and savings history, plus accumulating enough of a deposit (or equity) to meet a Banks lending criteria to own the property in a few years time.

And YES, the price of the property is established now so you will share in the capital gains from improved property values from now until you own it. Apply Here

*Note: This is simply an "Option" to buy the property and complete the sale in a few years time once all your finances are in order. Whilst we want to deal with people who are 100% committed to owning their own home, if your circumstances change for any reason whatsoever you may decide not to exercise that option. You will then be entirely free to move on without being held liable for the purchase of the property. A normal Bank Mortgage DOES NOT offer that choice!

Where Does The Concept Come From?

Lease-to-Buy programs are used all over the world in one form or another and have been used in New Zealand on and off for 40 plus years. We are aware of these programs being used in USA, Australia, Canada, UK, and some parts of Europe. In some countries it is the most commonly used process for people to get their foot on the property ladder and own their first home. You may be more familiar with the concept being used on new company cars, and expensive machinery, so why not a home?

New Zealand has changed a lot over the past 10 or 20 years. When our parents and grandparents bought their first house prices were a lot cheaper relative to the average income. Also the government provided a lot of assistance in the form of interest free, or low interest loans that enabled people to get a start. All that has changed, and our lifestyles are a lot more demanding.

The NZ Government has introduced a new scheme whereby they strike up a partnership with a select group of people to assist them into their own homes. But, typically they have made the threshold almost impossible to get into for most of us. On the other hand our Key2Own program is straight forward, sensible, and accessible to you, today. Apply Here

Would You Like To Get Free Financial Advice And Ongoing Support?

A large part of our program is to guide you through the process. This program is not suitable for everybody, and the last thing we want to do is to give you false hopes. So right at the beginning we'll review your application to see if it meets the program's criteria.

If you pass the preliminary phase we will then meet with you discuss your situation, then plan a strategy together to overcome any hurdles that might need addressing. That strategy will allow us to structure a deal in the most appropriate way for you to obtain a loan from the Bank in a few years time when you decide to take up the Option and purchase the home.

At the beginning we will also introduce you to a Mortgage Broker who will work with you. This initial contact is a FREE service to you, and our Brokers know the Banks' criteria for lending inside-out. Whether it's the Bank's LVR's (Loan-to-Value Ratios), or their DSR's (Debt Servicing Ratios), our Broker will guide you and advise you on the best plan to make it happen. Apply Here

Reward Points

As in incentive to stick to the plan that will assist you to make your dream come true, we will provide you with some very attractive financial incentives that will make your goals that much more attainable.
So, if you are prepared to give it your best shot we will also offer to contribute additional credits to your deposit to make it that much easier to reach your goal. These credits are equal to dollars and will go towards your deposit. This is designed to provide you with a substantial reward for sticking with the program.

BUT, Here's The Challenge… Are YOU Up For It?

Whatever your current situation is, if your desire to get your family into their own home is strong enough we will work along side you and support you to make it happen.

So, it is your choice; does this all sound too good to be true? If you think it is, click the "x" in the top right-hand corner, Log Off and you'll never know. But in 5 years time will you be kicking yourself because you still don't own a home? Your other choice is to be bold, do something positive about turning your dream into reality and check this opportunity out? What have you got to lose - a house?

So, the choices are simple; it's either:

"x"		to Log Off and no new home, just keep renting indefinitely, or;
Apply Here		to own your own home.

Simply: "x" or Apply Here