Build Wealth Together
With Co-Buying
If your income is stable but the traditional mortgage path keeps saying "not enough", you're not alone.
Saving 20% while rent and home prices rise can feel impossible. That doesn't mean homeownership is off the table.
Co-buying with an equity partner is a modern option designed for buyers who are close — but need help bridging the down-payment gap.
Buy with as little as 5% down
Build lasting memories and equity
Buy out your partner or sell for a profit
Who this is for
This option is ideal if:
You earn enough to afford monthly mortgage payments
You don't have enough saved for a full down payment
You're a first-time home buyer or new to Canada
You want to avoid high-interest loans or borrowing from family
You're tired of waiting while rent keeps going up
If this sounds like you, keep reading.
What is co-buying?
Co-buying is shared homeownership.
Instead of lending you money, an investment partner contributes part of your down payment and becomes a co-owner in the home.
One example of this type of program in Canada is Ourboro.
Here's what makes co-buying different:
You live in the home.
You make the mortgage payments.
They quietly hold a share of the equity.
How the co-buying process works
Mortgage pre-approval & partner contribution
We start with a full review of your income, debts, and goals. Once you're pre-approved for a mortgage, the co-buying partner confirms how much they can contribute toward your down payment.
Typically:
- •The partner contributes 5%–15% of the purchase price
- •There is a maximum contribution limit
- •The goal is to help you reach a stronger down payment position
Buy your home
You shop for a home like any other buyer, with guidance on which properties fit the co-buying rules.
You:
- •Choose the home
- •Live in the home as your primary residence
- •Register ownership together at closing
Shared equity
Your ownership percentage is based on how much of the down payment each party contributes.
Example:
- You contribute 40% of the down payment
- The partner contributes 60%
- → You own 40% of the home's equity
- → The partner owns 60%
There are no monthly payments to the partner because their return comes from future value, not interest.
What happens after you move in?
You live like a normal homeowner.
That means:
You pay the mortgage
You cover property taxes, utilities, and insurance
You maintain the home
You're free to decorate and make everyday changes
Some programs may:
- •Credit eligible renovations that increase value
- •Provide access to vetted trades
- •Offer support for unexpected home issues
The partner does not live with you and does not manage your day-to-day life.
Renting vs Buying: what happens to your money?
Renting
Over time, rent payments add up. When you move out, you leave with memories — not equity.
Equity built: $0
Buying with co-buying support
Even when you share ownership, part of what you pay goes toward building your stake in a home.
You're not waiting years on the sidelines. You're building ownership while living your life.
Equity built: Yes
Key Insight
Waiting for the perfect down payment often costs more than sharing equity earlier.
Time in the market often beats timing the market — especially when rent keeps rising.
Selling the home or buying out the partner
Co-buying is not forever.
You can:
- 1.Sell the home, or
- 2.Buy out the partner's share based on market value
When the home is sold:
Your mortgage principal payments are returned first
Remaining equity is split based on ownership percentages
If the home goes down in value, the partner shares in the loss. You don't owe extra money beyond the sale proceeds.
Common questions
Is this a loan?
No. This is an equity partnership, not debt.
Do I lose control of my home?
No. You live in the home and make everyday decisions.
What if the market drops?
Losses are shared based on ownership percentages.
Is this available everywhere?
Availability depends on location, property type, and program guidelines. We confirm this during your strategy call.
See how the numbers work
Use this calculator to estimate ownership split and potential proceeds when you co-buy and later sell or buy out your partner.
Shared Equity Calculator
Estimate ownership split and sale proceeds using a real-life shared equity flow.
Inputs
Down Payment Split (Total: 20%)
You contribute
10%
$100,000
Co-owner contributes
10%
$100,000
Mortgage Details
4.99%
Property Appreciation & Sale
5.00%
3.50%
Estimated sale price after 5 years
$1,276,282
Educational estimate only. Taxes, penalties, legal fees, lender payouts, and program terms can change outcomes.
At Purchase
- Co-owner
- You
At Sale (After 5 Years)
Let's see if co-buying is right for you
Co-buying isn't for everyone — and that's okay.
My role is to run the numbers honestly, explain the pros and cons, and help you decide if this fits your long-term plan.
If traditional lending says "almost,"
this might be the bridge that gets you home sooner.
Schedule a Discovery Call
We'll review your income, savings, options, and next steps.