Dion and Elly Williams

Owning a home provides a sense or feeling of soundness and completeness. “We can now make a whānau home that is our place – for us. Renting has many benefits in terms of flexibility, but you never feel fully settled. We are now settled and we can stamp our own mark on the place and make it ours.

After having been home owners previously, Dion and Elly Williams (Kāti Huirapa, Ngāi Tūāhuriri and Ngāi Te Ruahikihiki) were happy to be able to be access their Whai Rawa and KiwiSaver accounts to purchase their own whare in Titahi Bay.

“Because we had previously owned a home when we lived in Invercargill we weren’t sure if we’d be able to use our Whai Rawa and KiwiSaver accounts to help buy another whare.” says Dion. “However because we had only a little equity from our place in Invercargill, we still met the KiwiSaver first home buyer criteria which in turn meant we qualified for a special circumstances Whai Rawa home purchase withdrawal.”

For Elly, owning a home provides a sense or feeling of soundness and completeness. “We can now make a whānau home that is our place – for us. Renting has many benefits in terms of flexibility, but you never feel fully settled. We are now settled and we can stamp our own mark on the place and make it ours. It will help us creating more lasting memories for the children. It provides us with security and the comfort of knowing we have made an investment in us and our children.“

The focus for Dion and Elly is now on ensuring their kids continue to save to allow them the same and better opportunities in education and housing. While they are also contributing to their own accounts saving for retirement, they also know Whai Rawa will allow them to transfer funds to their tamariki when they need it to buy a home or for tertiary study. “Having that flexibility is great and is one of the many great Whai Rawa benefits. Whai Rawa requires minimal effort” says Elly. “The combination of Ngāi Tahu matching our base savings, providing distributions and meeting most of the running costs is great. Add to that the investment returns and it’s a fantastic opportunity.” As Dion adds “Little amounts can make a big difference.”