Buying guide

Rent to own: The first time buyers guide

Can’t quite get a mortgage? There might be another way

Ben Tutty
Last updated: 24 June 2025 | 5 min read

Rent to own explained

How does rent to own work in NZ?

Rent to buy schemes can be a great way to get into a stable home sooner.

Am I eligible for rent to own NZ?

Your rent to own FAQs answered

1. Would I get a share of the property's value growth?

2. Would my rent go towards your deposit or fees?

Rent to own schemes can make it easier to save a deposit.

3. What happens if property prices go down?

4. Will the provider help me buy?

Can I get a mortgage?

6. What if I want to leave and not buy the home?

Top rent to own providers in NZ

Do your homework before applying to a rent to buy scheme.

Keen to apply for a rent to own scheme?

Author

Ben Tutty Ben Tutty