Te Ara Mauwhare | Pathways to Home Ownership

Te Puni Kōkiri is working with rōpū across the motu to trial innovative approaches to assist whānau Māori into home ownership.

First home buyer and mother of four, Raquel Peka (Tuhoe), now has a place to call home with support through the Te Puni Kōkiri.

Assisting whānau into home ownership

Home ownership is an aspiration for many whānau Māori, but is out of reach for many. The 2013 census recorded that 28 percent of Māori adults owned their own home compared to 50 percent of the total adult population.

Te Ara Mauwhare – Pathways to Home Ownership aims to reverse this trend by finding innovative ways to support whānau Māori into home ownership.

Te Puni Kōkiri is working with rōpū across the motu to co-design innovative approaches to assist more whānau Māori to own their own homes. Rōpū who are partnering with Te Puni Kōkiri through Te Ara Mauwhare are focused on developing home ownership approaches that meet the housing needs and aspirations of whānau Māori with low to median incomes.

The Minister for Māori Development announced 1 June 2018 that the first trial to begin is with He Korowai Trust, a Māori service provider in Kaitāia.

“The Trust has an intimate knowledge and understanding of the real housing needs of their people coupled with a demonstrated commitment to get whānau into safe, healthy, secure homes. Initiatives like these are vital for the future development of whānau.” the Minister said.

He Korowai Trust is testing an affordable rent-to-own home ownership model that enables whānau to not just put a roof over their heads, but eventually own it. This trial will help provide an economic base for whānau with which to grow further and engage more positively in the community and wider society.

The trial includes a perpetual right to occupy whenua in the Whare Ora papakāinga, owned by the Trust. The site is alcohol, drug and violence free. All whānau will complete a financial capability-building programme and will receive ongoing budgeting assistance, early childhood, medical care, counselling and other support.

Other trials will be announced later in the year.

Our Māori housing stories

He Korowai Trust

He Korowai Trust has been working to create innovative housing solutions for whānau and Māori communities within Te Tai Tokerau especially in Kaitāia. The Whare Ora papakāinga project is a dream that has been realised with the opening of 9 homes, with a plan to have up to 18 homes on the papakāinga, it most recently opened up a puna reo [early childhood centre]. He Korowai Trust also supports a 35-bed emergency accommodation unit, medical centre, community café and provide social services to whānau and Māori communities.

Who will benefit from the Te Ara Mauwhare – Pathways to Home Ownership initiative?

Te Ara Mauwhare - Pathways to Home Ownership aims to assist low to median income whānau who cannot purchase their own home using current purchase mechanisms.

Te Ara Mauwhare does this by working with rōpū to achieve their housing aspirations, and through that their wider community development aspirations. Stable housing also provides a stronger economic base for whanau,

What is Te Ara Mauwhare – Pathways to Home Ownership about?

Te Ara Mauwhare – Pathways to Home Ownership is an initiative to identify, trial, and evaluate innovative approaches to assist low to median income whānau to move towards home ownership.

Budget 2017 committed $9 million spread over three years to this initiative. Te Puni Kōkiri will work with and fund iwi and other rōpū to test innovative ways to assist whānau into home ownership.

The trials will be closely monitored and evaluated to see which models work effectively for whānau.

Te Puni Kōkiri received a wide range of proposals from rōpū across the motu. We have selected a smaller number of proposals to co-design the models to be trialled.

These include shared equity (ownership), rent-to-buy, and other innovative models in a papakāinga context; and we are exploring a way to help whānau currently receiving an Income Related Rent Subsidy for social housing.

Criteria for proposed models

  • one or more Māori rōpū seeking to work with Te Puni Kōkiri
  • may involve other groups active in Māori housing
  • funds are provided only to the Māori rōpū
Whānau Centred
  • supports whānau with low to modest incomes into home ownership
  • builds financial capability to help them manage a mortgage and other home ownership commitments
  • on Māori land, or on general land (whether collectively or individually owned)
  • land is ready for building on, in terms of accessibility and infrastructure
  • home ownership will be sustainable for whānau for the long term
  • addresses the complex issues preventing many whānau from owning homes
  • does not place whānau under increased financial stress
Community based
  • addresses the needs of a community
  • not focused on the circumstances of only one whānau or on one home
New houses
  • based on new builds to increase the supply of houses
  • houses may be built on site or relocatable
  • Te Puni Kōkiri’s contribution is to be grant finance under a funding agreement
  • includes substantial co-investment by the partner(s)
  • does not involve Te Puni Kōkiri taking an equity interest (ownership) in the homes created by the trial
  • does not involve Te Puni Kōkiri providing loan finance
Collective impact
  • leverages resources across the housing system to achieve greater collective impact
  • uses a range of finance and resources to achieve greater collective impact
  • integrates government and other resources, products and services effectively; for example may include:
    • Kāinga Whenua loans, Welcome Home Loans, KiwiSaver Homestart grants, the Housing Corporation NZ FirstHome scheme, and links with other equity sharing programmes
    • some Māori Housing Network products, although with no presumption that a concurrent application will be approved
  • proposal includes an innovative element such that it should be further assessed, although it does not comply with all of the other criteria above; for example, if it includes:
    • re-use or re-purposing of existing homes or buildings
    • a way of helping whānau receiving the Accommodation Supplement or Income Related Rent Subsidy (because this is a particularly challenging target group)
Value for money
  • for the whānau who will eventually own the homes
  • for the rōpū involved
  • the likelihood of public value for money, in terms of the outcomes identified in the strategies in the section above
Likely to deliver results
  • is unlikely to be used without government investment in the trial
  • has good potential to serve as a model for future housing development
  • has particular strategic or policy value
  • has potential to be scaled up if the trial is implemented successfully
Regulatory compliance
  • with the statutory/regulatory requirements in relation to land-use, housing construction, financial transactions
  • with relevant local government policies and plans and/or the intention to engage with local authorities to seek agreement to innovative practices
  • with the operational policy requirements of any government agencies whose products and services are part of the proposed model; and/or the intention to seek adjustments, that are worth exploring, to the operational policies of other government agencies

Can whānau apply to buy a house under this scheme?

The first step is for Te Puni Kōkiri to partner with rōpū to co-design an innovative model for the trial. It will take some time to build the houses.

Once the trials are in place, whānau will be selected by each rōpū. All whānau selected to participate in the trials will participate in a programme to build their financial capability ready for home ownership.

How many homes will be available?

This depends on the models being trialled, and the level of investment by potential partners.

Updates on Te Ara Mauwhare – Pathways to Home Ownership

If you would like to receive updates once the trials are underway email: MaoriHousing@tpk.govt.nz.

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