Own your home. Without the interest
We buy the property with you, and you buy out our share month by month — one clear rate, certified fair.
How we price
Priced honestly.
One rate, shown up front. No broker fee, no hidden margin, no surprise at signing.
Indicative rate
4.2%
10-year fixed
Worked example
- Purchase price
- €350,000
- Your deposit
- €70,000 (20%)
- Amount financed
- €280,000
- Term
- 25 years
That works out at €1,509 a month.
Get my indicative rateIndicative only. Your actual rate depends on a full review of your documents and the property, and this is not an offer.
How it works
Three steps, no sales call
Tell us your plans
Price range, deposit, timing. Everything in bands — there is nothing to look up and no documents to dig out.
See your rate
Your indicative number appears on screen straight away, worked out from what you told us and today's terms.
Reserve your spot
We come back within two working days with what happens next. You decide in your own time whether to carry on.
Customers
What people tell us afterwards
We rented for eleven years because we would not take an interest-bearing loan. This was the first route that actually fit.
Amina K.Cologne I expected a long explanation and a phone call. I had a real number on screen in about two minutes.
Yusuf D.Berlin My parents wanted to see the scholars' certificate before anything else. It was on the site, so that conversation was short.
Sofia B.Lyon The worked example was the first one that actually added up. I checked it against my own spreadsheet and it matched to the euro.
Hakim T.Rotterdam Nobody rang me. I filled it in, got the number, and left it a week before I came back to it.
Leila M.Marseille I'd already compared three banks. This was the first that showed me the total cost, not just the monthly payment.
Omar B.Hamburg I read the contract structure and the scholars' ruling twice before I filled anything in. Both were on the site already.
Nadia A.Amsterdam Did the whole thing on my phone at eleven at night with the baby asleep. No appointment, no branch, no forms to print.
Samir R.Utrecht
Still looking for the right place
Know your ceiling before you fall for something.
One clear rate, certified fair — see yours in 90 seconds.
Questions
What you're probably wondering
How is the rate calculated?
It tracks the general market level for home finance rather than being set against your individual profile. Because we co-own the property with you, what you pay each month is part purchase of our share and part fee for using the share we still hold — we show it as a single comparable percentage so you can put it next to a bank's offer honestly.
Am I eligible?
Most people buying a home to live in, with a deposit of roughly 10% or more and a steady income, employed or self-employed. We finance in Germany and France today. The three questions on this page are enough for us to tell you either way — you will not waste a week finding out.
How long does it take?
The form takes about 90 seconds and your indicative rate appears immediately. If you decide to go further we come back within two working days, and a full decision usually takes two to three weeks depending on how quickly the property paperwork moves.
What does this cost me?
Nothing at this stage, and nothing to get your indicative rate. There is no broker fee and no charge for the application itself. Any costs that do apply later — valuation, notary, land registry — are set out in writing before you commit to anything.
Will you run a credit check?
Not now. Getting your indicative rate leaves no trace on your credit file at all. A formal check only happens much later, once you have seen your terms and told us in writing that you want to proceed.
What happens to my data?
It is encrypted in transit and stored inside the EU. We use it to work out your rate and to contact you about it, and we do not sell it or pass it to third parties for advertising. You can ask us to delete it at any time and we will.
Your home is closer than you think
Ninety seconds now, and you'll know where you stand.
Get my indicative rate