Even if whānau, hapū, or iwi have managed to hold on to some of their lands through confiscations, war, or have succeeded in having their ancestral whenua returned, the odds are still stacked against them to build a single house upon it, to develop papakāinga, or to operate enterprises on that land. Picture this: in many parts of the country on one side of the road, you can see farms where the title was granted by the Crown and is thus considered general land. The property on that side of the land is productively developed and farmed by its owners. In part, this is because owners of general land have easy access to mortgage loans and other financial assistance. Owners of general land have easy access to finance, because banks can call in the mortgage if they fail to service it and can sell the land to recover their costs. On the other side of the land, Māori freehold land owners, or land that is Māori customary land, face big challenges in developing and building on their land. The problem for lenders is that it is a big risk to provide lending in respect of land with multiple owners. This is because banks cannot call in whenua Māori if the loan is not paid as the finance institutions cannot sell the land to recover their costs. 