How it works

OwnHome is a complete path to home ownership. We turn you into a homeowner so you can start building wealth.

Step 1: qualify

Fill out your application to find out your buying power.

Step 2: choose home

Choose your dream home and pay OwnHome Starter fee (we can take care of all purchase costs and processes). Sit back and let us do the work for you.

Step 3: move in

Act like a homeowner (no more asking if you can hang that picture!) and build Purchase Credits each month.

Step 4: buy when you’re ready

Buy from us anytime after 2 years at the pre-agreed price, it's up to you!

What are the details?

Earn every single month

You earn 2.5% in your home per year. This means after 5 years you've built up 12.5% ownership in your home - enough to switch to a bank mortgage and convert title to your name.

3.8% pre-agreed appreciation

We agree the purchase price growth rate (3.8% p.a.) so that you know exactly how much you need. You keep all the upside over the time you've been living in the home.

Monthly payment amount

This depends on the value of the home. For a $1,000,000 property you pay around $5,900 which covers our costs, and earns you 0.21% in Purchase Credits in your home every single month.

Still have some questions?

Check out our FAQs
FAQs