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Shared Equity Home Ownership means you co-own a property with other owners. The number of owners can be as little as two persons or as many as five or more. By sharing or dividing the equity amongst many owners, this method of owning holiday properties offers a safer and more sustainable approach.  This means you can afford more than one property with the pooled financial resources.  It also means that you can build a bigger property portfolio much faster.

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Participation in Shared Equity HomeOwnership

The properties are held in a limited company as trustee of a unit trust. To secure your share of the property portfolio, you will be made shareholders or issued bonds in the company.



Shared Equity HomeOwnership Agreement

You will need to sign contractual agreements for the properties which covers the following areas:

  • Price and payment for the property
  • The purpose of the property: for a combination of investment and shared use
  • Management and contributions to payment of expenses
  • Maintenance and repair
  • How long the co-ownership is to last
  • How a co-owner may exit the arrangement and/or sell their share in the property
  • Various exit strategies
  • Various important legal terms to make sure the Co-Ownership Agreement is legally binding
  • Dispute resolution


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Case Study Example

The parties agree to contribute 50% each towards the purchase price and related costs or fees. The investment is expected to be cashflow positive but should a shortfall happen, they are each prepared and are able to cover a third of that shortfall. Each party agrees to a 5 year ownership commitment term.  Each party also agrees to give each other rights to acquire the share of a party who exits before that date.  The price of the exiting party’s share will be determined by the market value established by a licensed valuer. IShinChi will act as the property manager who will market the holiday home and arrange holiday lettings.

Each party is also entitled to their own exclusive occupation of the holiday home for a pro-rated number of days each year during agreed periods.

In order to keep their tax situation very simple and very straightforward, each party is to pay the market rental when they choose to stay at any of the properties in the portfolio.  The holiday rental fee can simply be deducted from their income during that period.





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