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

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AI summary

Holly Tipene’s whānau is breaking the rental cycle through Habitat for Humanity’s Progressive Home Ownership programme. Despite initial hurdles like debt and no family history of homeownership, they were accepted into the rent-to-own scheme after completing 500 hours of ‘sweat equity’.

The programme locks in the home's price for five years, protecting them from market rises. A portion of their rent builds their deposit, providing financial education and a clear pathway to securing a mortgage.

From roadblocks to possibilities

Breaking a generational cycle

Rent-to-own makes it possible

Only the first step on the property ladder