Low to moderate income households with limited equity are increasing in number and face growing challenges in securing stable, suitable housing. These households often fall through the gaps, unable to access public or council housing due to limited assets, yet also unable to secure affordable housing in the private market. This leaves many in precarious or inadequate living situations. Young working families, retirees, households with disabled members, and Māori and Pacific whānau are particularly affected. This project sought to better understand how other countries provide housing solutions for households in similar situations, focusing on successful housing tenure models, funding mechanisms, and supportive policy settings. In Aotearoa New Zealand, we identified the scale and distribution of these submarkets, assessed the financial feasibility of alternative models, and estimated the level of subsidy required. By applying a systems-based approach, we uncovered opportunities to grow these models locally and develop practical housing solutions to improve outcomes for households currently locked out of secure, affordable housing.
Also see our shorter research updates: ONE, TWO, THREE, FOUR