Home Ownership Pathway
Working across the grassroots level with whanau in Aotearoa New Zealand
We work with people who are:
- First home buyers
- Existing home owners
- Self employed-Business owners
We work with you to understand
- Your current financial situation
- Where our focus needs to be
- What our financial pathway forward will look like
We want you to achieve your goals!
We want to understand and listen to what your goals are?
- Let's create a clear pathway with a timeframe
- Discuss all options to make well informed financial decisions
- Our valuable expertise, market experience and full service saves you time, energy and money
Client Impact Stories
First Home Buyers Auckland
Profile: 24-year-old couple,
Manukau City, South Auckland.
Goal: Purchase First Home
At the start of 2020, we put them on our road map to Home Ownership.
- Our primary action steps were to increase savings, eliminate debt
- Changing and managing their spending and finances.
- Covid 19 and 2 lockdowns in Auckland NZ, changing lending policies needed to be managed.
Outcome: Purchased First Home
A Kiwibuild new build 3 bedroom, as we are specialist with these products, we navigated the changing lending policies during the lockdown and we found a lender who accepted our low risk proposal.
First Home Buyers Hamilton
Profile: 30-year-old couple,
Hamilton.
Goal: Purchase First Home
Clear road map to Home Ownership.
- Our primary action steps were to maximise lending
- Walking through the journey and the road map
- Purchasing support and guidance
Outcome: Purchased First Home
A standard 3 bedroom, we clarified the pathway, assited in the buying process as advice sounding board, navigated professionals and achieved goal.
Home Owners Ponsonby
Family Home of 46 years, Ponsonby Auckland, Pasifika family had owned from the '70s, They were looking to complete updated renovations and build a minor dwelling.
Goal: Release equity to finance this renovation and build.
- We assessed that they had sufficient equity and we crunched the numbers and found we were able to get new lending. However, not for the full minor dwelling, We will stage this project over 2 years. Starting with the Home.
- Clients set up a Family Trust, we had 3 building companies to quote us and we have started.
- New Lending is serviceable and sustainable, when we complete works and have a new RV and value of the house will increase. Allowing us to fulfill the plan and needs of this family.
Project funded and renovations underway.
About Us
Home Ownership Pathway is a purpose-driven social enterprise built to shift long-term housing and financial outcomes for families across Aotearoa.
We operate at the intersection of financial capability, housing access, and systems design supporting families not just to buy homes, but to build lasting economic resilience.
Our focus is on intergenerational change, lifting home ownership rates, strengthening financial literacy, and advancing real social equity through scalable, data-informed solutions.
What differentiates Home Ownership Pathway is not just our mission , it is our proven delivery, governance discipline, and systems-based approach to enabling sustainable home ownership at scale.
We exist to move families from aspiration to ownership, and from vulnerability to long-term stability.
History
Andrew Lavulavu founded Home Ownership Pathway and has worked continuously in the specialised field of housing access and financial capability for more than a decade.
Through the Home Ownership Pathway, Andrew has designed and led a service model that has enabled hundreds of families directly and thousands indirectly into stronger financial positions and clearer, more sustainable home ownership outcomes. The methodology, content, and delivery frameworks developed through this work have also been adopted as a reference model by providers and recognised as an industry template for scalable, community-led housing solutions across Aotearoa.
Andrew’s background spans governance, mortgage advisory, systems leadership, and social enterprise, enabling him to operate effectively across both frontline delivery and policy-level engagement, bridging community need with institutional capability.
Qualifications & Leadership
- Bachelor of Anthropology
- NZ Certificate in Financial Services (Level 5) Mortgage Adviser
- Six Sigma (Ingram Micro)
- Leadership New Zealand Mana Moana Graduate
- Master of Technological Futures (Master’s Degree)
Home Ownership Pathway
Social Return on Investment (SROI) Mandate
Home Ownership Pathway is a purpose-driven social enterprise delivering measurable social and economic returns through sustainable home ownership and financial capability outcomes for working families across Aotearoa.
Our model is built on a simple principle: when families are financially capable and securely housed, the return is felt across the entire system, in reduced social spend, stronger workforce participation, improved health and education outcomes, and greater intergenerational economic stability.
We reinvest expertise, data, systems, and frontline delivery into households that are structurally underserved yet economically vital. The result is not short-term intervention, but durable capability, ownership readiness, and long-term resilience.
For investors, NGOs, and government partners, Home Ownership Pathway represents high-impact social infrastructure delivering quantifiable outcomes, scalable delivery, and compounding social ROI across housing, welfare, health, education, and economic development portfolios.
Our Experience
Home Ownership Pathway is built around the first-home buyer journey, supporting working families across all communities in Aotearoa to achieve sustainable home ownership and long-term financial capability.
Over the past decade, we have partnered with community organisations nationwide, established multiple formal MOUs, and built enduring stakeholder relationships across the finance, property, housing, and social services sectors.
Our delivery model operates within the realities of today’s high-constraint lending and affordability environment.
We work alongside a trusted national network of mortgage advisers, legal, accounting, and property professionals, formed through sustained, multi-year collaboration.
This ensures compliance, governance discipline, and end-to-end first home buyer results and outcomes
Financial Capability
We remain actively aligned with current and emerging industry changes across housing, lending, and financial services.
Our mission is to equip families with the education, readiness, and resilience required to navigate these shifts and achieve their long-term home ownership and financial goals through our services. Our experience is longitudinal, nationally embedded, and systems-based designed not as a programme, but as social infrastructure for scalable home ownership outcomes.
Serving communities across all of Aotearoa New Zealand.
We exist to ensure all Kiwi families have equitable access to the capability, guidance, and pathways required to achieve their home ownership and long-term financial goals
Home Ownership Pathway
Mail Delivery:
c/o Operations Manager
Home Ownership Pathway
P.O. Box 9146
Newmarket, Auckland 1149
New Zealand
