Is Social Housing Policy Failing NZ Families Trying To Move From Renting To Home Ownership? They earn too much for social housing, but are unable to save a deposit or buy on the open market. A growing number of community housing providers now deliver affordable home ownership models, including shared ownership, rent-to-buy and community land trust arrangements. We found home ownership schemes can make a significant difference but need careful and transparent design. The Progressive Home Ownership Fund built that capacity, but letting that expertise fade would be a missed opportunity.