Empowering
New Zealanders Towards Home Ownership
Taking the First Step Towards Affordable Homeownership for All Kiwis
At Seed Capital for The Commons, we’re tackling one of the biggest challenges Kiwis face today: housing affordability. Our mission is clear – to make homeownership achievable for everyone through interest-free loans. We’re offering a solution that can unlock the door to homeownership, helping New Zealand become an even better place to live with more choices for all.
The Housing Crisis - A Challenge for
Many Kiwis
Why Affordable Homeownership Is So Difficult Today
Housing affordability in New Zealand is at a crisis point. With house prices skyrocketing, many Kiwis are left struggling to save for a deposit, let alone buy a home. At Seed Capital, we believe it’s time for a new solution – one that enables everyday Kiwis to access affordable homeownership.
A Crisis with Far-Reaching Consequences
In 2019 Oranga Tamariki commissioned a report to examine the social effects of moving children from suboptimal housing to safe and secure housing. They found:
35%
Decline in truancy
24%
Decline in the need for treatment for substance usage
46%
Decline in suspensions
8%
Decline in the need for treatment for mental health issues
49%
Increase in the attainment of NCEA Level 2+
11%
Decrease in Hospitalisations
45%
Decline in serious offending
23%
Increase in employment for the whole year at age 20
Our Solution -
Interest-Free Loans for Home Ownership
Making Homeownership Accessible for All Kiwis
We’re proposing interest-free loans up to $500,000 to help eligible Kiwis purchase homes, allowing them to buy without the burden of growing debt. This innovative approach simplifies the path to homeownership, offering an alternative to traditional mortgage options.
Why it Matters - Creating a Brighter Future for All
Transforming Lives Through Affordable Housing
Our vision is simple: Make homeownership a reality for all Kiwis. By removing interest payments and offering debt forgiveness, we’re providing the financial stability and peace of mind that homeowners deserve. This initiative could change lives by creating more stable, healthier communities across New Zealand.
Who is Eligible for the Seed Capital Loan?
Helping the Right People Access the Right Support
To qualify, you must meet specific criteria, such as being a New Zealand citizen, living in New Zealand for a significant portion of your life, and participating in essential homeownership education. Learn more about the eligibility requirements to see if this opportunity is for you.
How It's Funded - A Sustainable Future for Homeownership
Building a Long-Term Solution for New Zealanders
The Seed Capital for Everyday Kiwis programme is designed to be financially sustainable. By reallocating government spending and creating new revenue streams, we’re ensuring that our initiative will thrive for generations to come. Find out how we plan to fund this transformative programme.
About Seed Capital for Everyday Kiwis
Our Vision, Mission,
and Values
Seed Capital is a social enterprise with a clear mission: to make homeownership achievable for everyday New Zealanders. We’re committed to empowering Kiwis to live secure, independent lives, free from the burden of high-interest loans. Learn more about our story and our commitment to affordable housing.
FAQ – Your Questions, Answered
Understand how we see the programme working
We’ve compiled a list of frequently asked questions to help you understand how the Seed Capital for Everyday Kiwis programme works. If you have any other queries, don’t hesitate to get in touch.
Donate Today – Help Us Build a Brighter Future for Kiwis
Your Support Can Change Lives
Seed Capital is more than just a loan programme – it’s a movement to create affordable housing for all Kiwis. Your generous donations will help fund interest-free loans for those in need and support our mission of affordable homeownership. Every contribution makes a difference.
