I note the Kāinga Whenua loan scheme, which is an initiative between Kāinga Ora and Kiwibank to help Māori achieve landownership on multiple-owned land. However, that also has its limitations as it puts limits on the type of house that can be built, purchased, or relocated. It must be a one-storey house of at least 50 square metres. It must be on piles so it can be moved, and it has to have reasonable road access. As a consequence, far too often Māori freehold land tends to remain underdeveloped. It's not because Māori land owners don't want to live and work their whenua but it many ways Te Ture Whenua Maori Act in its current form does not empower them to make the decisions they need to improve the land or to build housing and papakāinga.