Shared Homeownership Calculator
Not sure what Shared Home Ownership means? You're not alone. SHO is a programme where a trusted housing provider — such as NZ Housing Foundation or Tāmaki Regeneration — buys a share of a specifically selected property with you. These are homes built or sourced through the housing provider, not properties on the open market. Your mortgage is smaller, your deposit goes further, and homeownership becomes possible sooner. Use this calculator to see what your numbers could look like.
Property Details
Deposit
First home withdrawal amount from your KiwiSaver provider
Personal savings, gifts, or other funds
Deducted from your deposit before it is applied to the mortgage. Default $5,000.
Mortgage Settings
Type your own rate, or tap one of the current rates below.
Westpac and ASB are the primary SHO lending partners.
Standard maximum is 30 years
Your Mortgage
Ready to explore your options? Book a free session with our team and we’ll walk you through the calculator together, answer your questions, and help you understand your pathway to Shared Home Ownership