Your first step onto the property ladder doesn’t have to be the whole house.
Equivest CoBuy helps eligible first-home buyers combine their deposit and borrowing capacity with other approved buyers or investors. You purchase a defined share of the property, live in the home and participate in the value of the share you own.
Buy part of a home instead of waiting until you can afford the whole property.
For many first-home buyers, the biggest obstacle is not being able to afford any property. It is being expected to afford an entire property.
Equivest CoBuy divides the cost and ownership of a suitable home between several approved participants. This can allow a buyer to contribute a smaller deposit, take responsibility for a smaller portion of the purchase and begin building property ownership earlier.
Instead of needing to purchase a four-bedroom home for the full price, a buyer may contribute about one-quarter of the required equity and acquire about a 25% ownership interest. The remaining ownership may be held by other individual co-buyers, an approved property investor, an Equivest-supported investment vehicle, or a combination of these.
Own a share of the home you live in.
A suitable four-bedroom home, divided into shares. You receive exclusive use of one bedroom and shared use of the common areas — while owning a percentage of the whole property.
You contribute about 25%, own about 25% of the property, take exclusive use of one bedroom and share the common areas.
Held by other approved co-buyers, an approved investor or an Equivest-supported vehicle — matched and approved, never random strangers.
Important. Bedroom allocations represent agreed occupancy rights. Each participant owns a percentage of the overall property rather than separate title to an individual room.
The whole property, or a share of it?
Switch between buying the entire home and buying a defined share. All figures are illustrative.
Four steps from deposit to ownership.
Choose your affordable share
A short assessment covers your deposit, borrowing capacity, preferred location, housing needs, the ownership percentage you want and your preferred living arrangement.
Match with the remaining capital
Equivest helps coordinate the rest of the purchase price through compatible co-buyers, approved investors or an appropriate co-ownership structure. You don’t personally fund the entire property.
Purchase and live in the property
You acquire a defined interest and agreed occupancy rights. The co-ownership agreement sets out who lives where, use of common areas, bills, maintenance, household rules and how major decisions are made.
Build and eventually realise your share
As the property’s value changes, so may the value of your share. Subject to the agreement you may later sell your share, buy more, buy out another owner, refinance, move out while retaining the investment, or join the sale of the whole home.
Ownership, occupancy and expenses.
A real percentage of the property
You own an agreed percentage of the overall property, formally documented through the approved legal structure — not just a right to use a room.
Exclusive use of your bedroom
You may receive exclusive use of a nominated bedroom and shared use of agreed common areas. Occupancy rights are governed by a separate agreement and are not the same as owning title to the bedroom.
A fair share of the running costs
Participants contribute to agreed costs — council rates, insurance, strata, maintenance, utilities, property management, financing and major repairs.
Start with a share. Grow it over time, where permitted.
Where the agreement allows, you may purchase additional shares as your financial position improves — moving from a quarter of the home toward owning more of it.
Illustrative only. Increasing your share depends on the agreement, finance and the agreed valuation at the time. Buying additional shares is not guaranteed, and property values can rise or fall.
A smaller, more achievable entry point.
Enter the market earlier
Purchase a smaller share rather than waiting years to afford an entire property.
Require less upfront capital
Your deposit and financing requirements relate primarily to your agreed share, not the whole home.
Live in a better-suited home
Combining capital may open up a location or type of home that would otherwise be out of reach.
Build property ownership
You participate in the value of the share you own rather than paying rent with no ownership interest.
Increase ownership over time
Where permitted under the agreement, you may purchase additional shares as your finances improve.
We don’t promise guaranteed growth or guaranteed savings against renting. CoBuy is about an earlier, more achievable start — with the trade-offs set out clearly.
Co-ownership also means shared decisions and responsibilities.
CoBuy gives you flexibility, not an easier version of full ownership. Before you start, weigh these carefully — ideally with independent legal and financial advice.
Every participant knows what they own, what they can use and how they can exit.
See what portion of a home you may be able to own.
Tell us about your deposit, income, preferred area and housing needs. Equivest can provide an initial illustration showing a potential ownership range and how the remaining property may be funded.
An illustration is not a loan approval or offer. Final ownership, finance and occupancy arrangements are subject to eligibility, property assessment and legal documentation.