Own a home sooner with co-equity
Home prices have outpaced incomes by 3:1 over the past decade. Co-equity homeownership lets you partner with family, friends, or investors to get into the market - without waiting another 5 years to save.
Explore my options →47%
Millennials need help buying
3:1
Price-to-income growth gap
$150K+
Avg equity gap for buyers
30%
Of first homes are co-owned
How co-equity works
Co-equity homeownership means two or more parties co-own a property, sharing both the costs and the appreciation. This can be structured in several ways depending on your relationship with your co-investor.
Family co-ownership
Parents help children buy by contributing to the down payment or co-signing. Ownership shares are formalized to protect everyone's interest.
Friend / partner co-buy
Two or more friends pool resources to buy a property they couldn't afford alone. Clear agreements define equity splits and exit terms.
Investor co-equity
An investor provides the down payment in exchange for a share of future appreciation. You live in the home and build equity over time.
Shared equity programs
Some government and non-profit programs offer shared equity where they contribute 5–10% of the purchase price in exchange for a share of future value.
💡 Example: Family co-ownership
Sarah wants to buy a $600,000 condo in Toronto. Her parents contribute $60,000 (10%) and co-sign:
Sarah's savings needed
$0 down
Parents provide 10%
Mortgage qualification
Approved
With co-signer income
5-year equity gain (6%/yr)
$202,000
Shared proportionally
Important considerations
- • Legal agreements: Always get a co-ownership agreement drafted by a real estate lawyer.
- • Exit strategy: Define what happens if one party wants to sell or can't make payments.
- • Mortgage qualification: All co-owners are typically on the mortgage and responsible for payments. Use our calculators to estimate combined buying power.
- • Tax implications: Each co-owner reports their share of any rental income or capital gains.
- • Insurance: All owners should be covered by the home insurance policy.
Ready to explore co-ownership? Start your application or check out first-time buyer programs you may also qualify for.
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We'll structure the financing and connect you with legal professionals who specialize in co-ownership.
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