Co-buying, demystified

A home doesn't have to be a solo decision.

Most people trying to buy right now feel behind. You're not the only one — and buying alone isn't the only route.

Co-buying means pooling deposits with one or more people — friends, siblings, partners, or people you meet through the community — and sharing ownership of a property. It isn't for everyone. But for many locked-out buyers, it's the difference between waiting another decade and moving in next year.

Shared deposit

Pool savings and shrink the gap to your first home.

Bigger borrowing

Combined incomes open up better homes and locations.

Legal clarity

A Deed of Trust sets out exactly who owns what.

Exit terms

Agreed up front, so nobody is trapped later on.

Lower risk

Shared mortgage, shared bills, shared maintenance.

Faster entry

Reach a deposit years sooner than buying alone.