Housing
The Home Ownership Programme (Housing NZ Corporation)
Executive Summary
This MMTB proposal is part of a wider HNZC project to educate participants nationwide to offer pre-purchase support and advice before owning a home.
The MMTB have appointed Kowhai Consulting Ltd as Project Managers to recruit some 150 participants to attend Home Ownership Education se min ars in Maniapoto. The modules will be delivered on a monthly basis over the 1 year contract period. The courses will be run between October 2006 – June 2007
Home Ownership in New Zealand
Home ownership is beco min g less affordable for many people in Maniapoto and many other main and rural centres. The key deter min ants that have been identified to hinder home ownership include low income levels, inability to save for a deposit, debt servicing ability (or lack of) and escalating land / housing costs.
The Home Ownership Course
The aim of the HOEP Course is to assist first home buyers towards successful home ownership by providing quality education programmes that equip participants with the skills they need to both consider and approach home ownership. The intention is that the course will have national relevance while still being able to be targeted at particular groups. Such groups have been identified by the HNZC as persons on a low to modest income.
The course consists of 8 modules: 6 modules must be delivered while 2 can be either delivered or self-learning modules. Delivery of the first 6 modules should involve a min imum of 12 hours actual delivery time. The MMTB delivery programme for will comprise 15 hours delivery (class) time / 6 modules.
Trainers will come from the MMTB Project Team and in addition we will engage expert guest speakers (eg, valuers, mortgage brokers, real estate agents, budget advisory services) to participate where relevant available.
There will be four workshops offered:
• Te Awamutu 25 participants
• Otorohanga 25 participants
• Te Kuiti 25 participants
• Te Awamutu 25 participants
The first Workshop will be in Te Awamutu on October 7 th and 8 th at Te Wananga o Aotearoa, Apakura Campus. The Modules will be covered between the hours of 8:30pm and 4:00pm over Saturday and Sunday.
Flyer - Home Ownership Education Programme
Would you like to know all the information needed to OWN your first home?
We have a FREE 2 day workshop in YOUR area starting in October.
For a lot of us buying our first home will be the biggest financial decision you have ever made. You want to get it right!
The Home Ownership Education Programme will teach you about the process, benefits, and pitfalls of buying and owning your own home.
Your workshop will include the following modules:
• What is home ownership and is it right for me?
• What are the benefits and costs associated with Home Ownership?
• Key differences between owning and renting a home
• What do I want and need in a home?
• Housing options
• What elements contribute to healthy housing?
• What features does your home need?
• Goal Setting and Budgeting
• Creating and sticking to a budget
• Financially – what do you need to buy a home?
• Purchase deposit
• The home buying process
• Watch out for the pitfalls!
• The process to get a loan
• What are the different kinds of home loans and interest rates
• What does Housing New Zealand (HNZ) have to offer?
• Mortgage brokers and lending deals available
• Getting a home loan
• Are you eligible for a loan?
• How do you apply for a loan?
• Which loan is best for me?
• Which lender is best?
• Home Ownership Products offered by Housing New Zealand
• Maintaining and building a house
• Repairs
• Using trades-people for repairs
• Preventative home maintenance
• Risks, costs and challenges associated with building vs buying
• Council requirements, permits and consents
• Refinancing and selling your home
• Building a house on multiple-owned Maori land
Where possible we will have professional guest speakers who can offer relevant, up to date advice in various areas.
The workshop will take place over 2 days and is FREE to attend
Walk in the door of your first home!
Enrol in a workshop! Spaces are limited – contact us now for a registration form
Ph 0800 323 543
E-mail Celia@kowhai.biz
Proposed Timetable
• Courses will commence at 8.30am and conclude around 4.00 pm (7 ½ hour day) over 2 x days.
HOURS |
ACTIVITY |
Typical Day : (8.30am – 4.00pm) |
|
8.30 – 9.00 |
Welcome / Introductions |
|
|
9.00-10.30 |
Module 1 (1.5hrs) |
Morning Tea (Provided) |
|
11.00 – 12.00pm |
Module 1 & 2 (1 hr) |
Lunch (Bring your own) |
|
12.30 – 2.00 |
Module 2 (1.5hrs) |
Afternoon Tea (provided) |
|
2.30 – 3.30 |
Module 3 (1.0hrs) |
|
|
3.30 – 4.00 |
Module 3 and feedback |
|
|
HOURS |
ACTIVITY |
Typical Day : (8.30am – 4.00pm) |
|
8.30 – 9.00 |
Module 3 & 4 |
|
|
9.00-10.30 |
Module 4 & 5 |
Morning Tea (Provided) |
|
11.00 – 12.00pm |
Module 5 |
Lunch (Bring your own) |
|
12.30 – 2.00 |
Module 6 |
Afternoon Tea (provided) |
|
2.30 – 3.30 |
Module 6 |
|
|
3.30 – 4.00 |
Feedback and Admin |
|
|
• Participants' queries can be answered by trainers and other members of the MMTB Project Team via e-mail or direct phone contact.
• Workshops for modules 7 and 8 will be based on self-directed learning and optional however the MMTB Project Team will offer to provide assistance by telephone or email to all participants if required.
Further Details
For further information regarding the Home Ownership Programme please contact the either the Maniapoto Maori Trust Board on 0800 66 82 85 / Email : office@maniapoto.co.nz or Kowhai Consulting 0800 323 543 / Email : Celia@kowhai.biz
Enrol in a workshop! Spaces are limited – contact us now for a registration form