Co-ownership could be your key to buying a home sooner.

Saving enough for a 20% down payment is one of the biggest challenges facing first-time homebuyers in today’s market.

But what if there was a way to get financial support—without borrowing more money or paying interest?

With shared equity co-ownership, you can partner with an investment company that contributes up to 15% of the home’s value,

helping you reach the full 20% needed to unlock better mortgage rates and skip costly mortgage insurance.

This isn’t a loan. There are no monthly payments, no extra debt, and you still own and live in your

home—just with a smart, silent co-investor behind you.

What Is Shared Equity Co-Ownership?

Shared equity co-ownership is a simple concept:
You bring at least 5% of the down payment, and an investment partner provides the rest—typically 5%–15%, up to $250,000.

In return, they share in the future gains or losses when you eventually sell the home.

You keep full use of the home, and your name is on the title. It’s 100% your space to live in and enjoy.

Why Consider It?

Buying a home has become increasingly difficult, even for those with solid incomes. This model gives you a chance to:

• Buy with a full 20% down payment
• Avoid CMHC mortgage insurance premiums
• Qualify for better interest rates
• Get into the market now, not years from now

It’s a win–win: You become a homeowner sooner, and the co-investor shares in the upside if your home increases in value.

Example: Buying a $700,000 Home

Let’s say you’ve saved $35,000 (5%).

A co-investor contributes $105,000 (15%), bringing your total down payment to 20%. You qualify for a standard mortgage and buy the home.

When it’s time to sell, you both share in the proceeds based on your original contributions. If the home appreciates, everyone benefits

Is It Right for You?

This path is a great fit if:

• You're buying your first home
• You have at least 5% saved
• You qualify for a mortgage but can't quite reach the 20% mark
• You’re looking for a home in Ontario (GTA, Ottawa, Hamilton, London, and more
• You see this as a stepping stone, not your forever hom

It’s designed to help you break into the market today, not someday.

What You Keep Control Of

Even though you share the equity, you don’t share your space. You:

• Live in the home and maintain full use
• Stay on the title as a legal homeowner
• Make decisions about your home (with co-approval on major renovations)
• Have no monthly payments to the co-investor
• Can sell or buy out their share in the future

How I Can Help

As your real estate agent, I’ll help you:

• Understand how co-ownership works

• Connect you with a trusted shared equity partner like Ourboro

• Guide you through mortgage pre-approval and property searc

• Make sure this move supports your long-term goals