Kaenga Hou creates pathways to home ownership for whānau, hapū, and communities across Aotearoa where conventional finance can't reach.
Transforming lives through home ownership!
Our Kaupapa
Kia tupu, kia puāwai te mana motuhake o ngā whānau.
Kaenga Hou Trust is a kaupapa Māori charitable trust. We walk alongside whānau, hapū, iwi, and community groups to create pathways to home ownership on Māori land across Te Tairāwhiti, Te Tai Tokerau, and Hawke's Bay.
We do what conventional finance cannot.
We bring together financial capability support, access to lending, and wraparound navigation, so whānau can move from aspiration to ownership on their own terms and on their own whenua.
Every year, whānau Māori are told by banks, ‘we cannot lend on that land’. They have the whenua. They have the aspiration. What they don't have is a finance system designed for Māori land structures.
Kaenga Hou exists to change that.
Our home ownership pathways include Shared Ownership, Rent to Buy arrangements, and Licence to Occupy on whenua Māori.
Kōkiri
Shared Ownership
Shared Ownership is our primary pathway to home ownership. It is designed for whānau, hapū, and community groups where a standard mortgage is not available.
Hoki mai ki te ūkaipō
Licence to Occupy
A Licence to Occupy (LTO) is a pathway for whānau who want to build or live on ancestral or Māori freehold land. This land may be collectively owned, or held by a trust or hapū.
Te Tīmatanga
Rent to Buy
Rent-to-Buy is a pathway that gives your whānau time to build financial readiness while living in a home you intend to purchase. It works best as a stepping stone; a period of renting that leads to ownership when the time is right.
Next Steps
Find out if you qualify
Learn about funding
Embark on your home ownership journey with us!
We have multiple pathways for whānau to purchase a home in a way that works for you!
Email us at kiaora@kaengahou.co.nz or fill out the form for more information.
We are proudly supported by organisations and partners who share our commitment to empowering whānau through sustainable pathways to home ownership. Together, we are building stronger futures grounded in whakapapa, community, and long-term wellbeing.
