Feature article
Breaking the rental cycle — a real rent-to-own story
How Holly secured a home for her whānau through Habitat for Humanity’s rent-to-own programme
Last updated: 4 March 2025
AI summary
A Waikato whānau is breaking the rental cycle with Habitat for Humanity’s Progressive Home Ownership programme. Despite having no savings and some debt, Holly Tipene educated herself through Waikato Tainui workshops and successfully applied.
The programme requires 500 hours of "sweat equity" (volunteer work). In return, her family pays affordable rent while building a deposit. A locked-in purchase price protects them from market inflation, providing a clear, supported pathway to securing a mortgage and owning their home.
From roadblocks to possibilities
Breaking a generational cycle
Rent-to-own makes it possible
Only the first step on the property ladder
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