Generated by All in One SEO v4.9.10, this is an llms.txt file, used by LLMs to index the site. # Co-operty Co-operty teams up with Effi to help co-owners find the right mortgage and brokers write more loans  ## Sitemaps - [XML Sitemap](https://co-operty.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Tenants in common vs. Joint tenants: Which protects your co-ownership interest best?](https://co-operty.com/news-insights/tenants-in-common-vs-joint-tenants-which-protects-your-co-ownership-interest-best/) - “Tenants in common vs joint tenants: understand which co-ownership structure protects your interests when co-buying property in Australia.” - [Co-operty announces Synergistic Collaboration with Effi ](https://co-operty.com/news-insights/co-operty-announces-synergistic-collaboration-with-effi/) - Co-operty, the pioneering property technology startup that is helping Australians step onto the property ladder sooner via co-ownership, has signed a strategic integration agreement with Effi, the technology-led efficiency platform for mortgage brokers. ## Pages - [Homepage](https://co-operty.com/) - At Co-operty, we’re addressing housing affordability by enabling Australians to co-buy property on-title with friends or family. - [Our Preferred Partners](https://co-operty.com/how-does-co-operty-work/who-do-we-work-with/) - Co-operty Preferred Partners Mortgage Brokers Getting your home finance sorted can be stressful. We have partnered with a vast national network of experienced mortgage brokers who are familiar with the nuances and complexities of a tenants-in-common structure. They are experienced in helping co-owners find the right home loan for their particular scenario. We can introduce - [video](https://co-operty.com/video/) - Our Video Playlist Watch our latest videos and learn more about co-ownership. Placeholder Video 1 Short description here Placeholder Video 2 Short description here Placeholder Video 3 Short description here Placeholder Video 4 Short description here Your browser does not support the video tag. - [Guides](https://co-operty.com/guides/) - Discover our free, downloadable co-ownership resources Thinking of co-owning property and want to know more? Discover our free, downloadable resources to help guide you on your co-ownership journey: Access essential guides, checklists, and templates to help you learn more including understanding all steps involved, navigating the finance process, and preparing to co-ownwith confidence. Guide to - [Investors Buying Commercial Property Together](https://co-operty.com/investors-buying-commercial-property-together/) - Co-invest in commercial property — with structure, clarity, and control Commercial real estate in Australia offers strong long-term potential. Co-ownership allows investors to pool capital, access larger assets, and manage investments through structured governance. Take the investor readiness quiz What is commercial property co-ownership? Commercial property co-ownership allows two or more investors to purchase a - [Couples Buying Property Together](https://co-operty.com/couples-buying-property-together/) - Legal asset protection for couples buying property together Whether you’re married, de facto, or newly partnered, buying a home together is a major milestone. A co-ownership agreement helps ensure fairness, protect contributions, and support long-term joint property ownership, safely. Find out if we’re eligible What is property co-ownership for couples? Co-operty can help couples to - [Friends Buying Property Together](https://co-operty.com/friends-buying-property-together/) - Buy property with friends — and get into the market sooner In Australia’s tough property market, buying with trusted friends can be a practical and financially smart way to stop renting and start building wealth. With clear agreements and the right structure, co-ownership helps you enter the market with confidence and long-term protection Find out - [The Co-ownership Process](https://co-operty.com/the-co-ownership-process/) - What is Co-ownership? Co-ownership is an innovative and flexible way to share the journey of home ownership with someone you trust, and can get you on the property ladder sooner and increase your borrowing power It is a powerful solution for anyone locked out of the market whether it be by ever-increasing prices, - [Tenants in Common](https://co-operty.com/how-does-co-operty-work/tenants-in-common/) - Securing Your Investment: Why Tenants in Common is Essential for Co-ownership When you buy property with anyone other than a traditional spouse, choosing the correct legal ownership structure is the single most important decision for protecting your investment. For any form of property co-ownership—whether you are buying a house with parents, purchasing with friends, or - [Legal Structure – Tenants in Common](https://co-operty.com/legal-structure-tenants-in-common/) - Why Tenants in Common is Essential for Co-ownership When you buy property with anyone other than a traditional spouse, choosing the correct legal ownership structure is the single most important decision for protecting your investment. For any form of property co-ownership—whether you are buying a house with parents, purchasing with friends, or investing with a - [Parents](https://co-operty.com/parents/) - Help your child buy a home — without putting your financial security at risk As a parent, you want to give your child the best possible future — but ever increasing property prices make it harder than ever for them to get a foot on the property ladder. Gifting a deposit or lending them money - [Partner](https://co-operty.com/partner/) - Partner with Co-operty Co-operty is transforming access to homeownership through secure, legally structured property co-ownership. By partnering with us, you can offer your clients an innovative solution to overcome affordability challenges, increase their borrowing power, and get on the property ladder sooner. Why Partner with Co-operty? We value our partners and view collaboration - [Co-Ownership Advice Line](https://co-operty.com/co-ownership-advice-line/) - Co-Ownership Advice Line Buying property together can be exciting, but the legal, financial, and practical steps can feel overwhelming. Phone 0440 134 363 or book a one-on-one call with Liz Rochaix, Co-Founder of Co-operty, to get clear, practical guidance tailored to your situation. What is the Co-Ownership Advice Line? The Co-ownership Advice Line is a - [partners](https://co-operty.com/partners/) - Partner with Co-operty Co-operty is transforming access to homeownership through secure, legally structured property co-ownership. By partnering with us, you can offer your clients an innovative solution to overcome affordability challenges, increase their borrowing power, and get on the property ladder sooner. Why Partner with Co-operty? We value our partners and view collaboration as the - [Financial Planners](https://co-operty.com/financial-planners/) - Integrate Secure Property Co-Ownership into Your Client Strategy Co-ownership is a powerful tool for wealth building, asset protection, and estate planning. Partner with Co-operty to offer your clients a legally robust structure that secures their investment while achieving strategic financial goals. Why Co-operty Enhances Your Financial Advice Secure Asset Protection For parents facilitating buying a - [Conveyancers](https://co-operty.com/conveyancers/) - Streamline Co-Ownership Property Purchases with Co-Operty Handling co-ownership settlements requires meticulous attention to the legal structure. Co-operty delivers clients who are fully prepared, with their ownership intentions legally formalised before they even reach your office,simplifying your due diligence. Why Co-operty Simplifies Your Practice Pre-Confirmed Structure Our clients arrive committed to the Tenants in Common legal - [Buyer’s Agents](https://co-operty.com/buyers-agents/) - Close More Deals with Secure Co-ownership In today’s competitive market, a client’s budget often compromises their goals. Co-operty empowers your clients to buy more property, sooner, by leveraging secure co-ownership. You gain a powerful tool to secure better properties, whether they are looking at shared ownership homes to buy or pursuing shared ownership on any - [Mortgage Brokers](https://co-operty.com/mortgage-brokers/) - Unlock More Approvals with Co-Ownership Loans You’re constantly challenged by the deposit gap and borrowing capacity limits. Co-operty offers a reliable, secure solution: structured property co-ownership. We provide the legal framework that allows clients to pool resources securely, turning difficult applications into achievable loan approvals. Why Co-operty is Your Ideal Partner Increased Borrowing Power Our - [Home New](https://co-operty.com/home-new/) - Enabling the Australian dream of home ownership If you’ve been dreaming of owning a home but have been locked out by ever-increasing property prices, the struggle to save a deposit, or the difficulty in securing a home loan, you are not alone. Co-ownership is an innovative and flexible way to share the journey of home - [Blog](https://co-operty.com/blog/) - Co-operty News & Insights - [In the Media](https://co-operty.com/in-the-media/) - Co-ownership in the Media As more Australians look for innovative ways to enter the property market, co-ownership is gaining national attention. From leading finance publications to major news outlets, Co-ownership has been featured in media stories highlighting how families, friends, and partners are buying property sooner, with clarity and security. BBC News, 18 July 2024 - [Download the Parents' Guide to Co-Ownership](https://co-operty.com/download-the-parents-guide-to-co-ownership/) - Download the Comprehensive Guide to Co-ownership for Parents Download now Download our free guide to learn how co-ownership works, what to expect, and how to move forward with confidence. Inside this guide, you’ll discover: How co-ownership helps parents and children buy property sooner The key legal and financial structures that protect both parties Step-by-step breakdown - [Getting Started](https://co-operty.com/getting-started/) - Your dreams of owning property could be closer than you think What is property co-ownership?Find out if I'm eligibleBuying property with your childrenDownload the Information Pack Our mission is to make property ownership in Australia easy and accessible for all. www.co-operty.com.au - [Get Started](https://co-operty.com/get-started/) - Buy property together – sooner If you’ve been dreaming of owning a home but have been locked out by ever-increasing property prices, the struggle to save a deposit, or the difficulty in securing finance — you are not alone. Co-ownership is an innovative and flexible way to share the journey of home ownership with someone - [PDF Parents' Guide](https://co-operty.com/pdf-parents-guide/) - The Parents Guide to Property Co-ownershipDownload Parents Guide to Co-ownership_MobileDownload - [PDF Comprehensive Guide](https://co-operty.com/pdf-comprehensive-guide/) - Co-operty Comprehensive GuideDownload Co-operty Comprehensive Guide to Co-ownership_MobileDownload - [Download the Property Purchasing Checklist](https://co-operty.com/download-the-property-purchasing-checklist/) - Download the Property Purchasing Checklist Download now Download the free checklist to discover everything you and your co-owners need to prepare, plan, and purchase — together. Here’s what’s inside: Key steps to take before you make an offer What to know about finance pre-approval as a co-owner Legal structure: Joint Tenants vs Tenants in Common - [Download the Comprehensive Guide to Co-ownership](https://co-operty.com/download-the-comprehensive-guide-to-co-ownership/) - Download the Comprehensive Guide to Co-ownership Download now Download our free guide to learn how co-ownership works, what to expect, and how to move forward with confidence. Inside this guide, you’ll discover: How co-ownership can help you get on the property ladder sooner The key legal and financial structures that protect all parties Step-by-step breakdown - [Request a Call Back](https://co-operty.com/request-a-call-back/) - [Ineligible General](https://co-operty.com/ineligible-general/) - You’re so close! Thank you for taking the time to complete the quiz. Based on your responses, it looks like you’re not currently eligible for co-ownership — but that may change in the future. Common reasons for ineligibility include: Being under 18 years old Planning to purchase outside of Australia The good news? Some of - [Ineligible Income](https://co-operty.com/ineligible-income/) - You’re one step away! Thank you for your responses. At this stage, you may not be eligible for co-ownership because you (or your co-applicants) aren’t currently able to show regular income. Most lenders require borrowers to demonstrate regular income in order to access finance, even in co-ownership arrangements. The moment your financial situation changes, you’ll - [Tenants in Common v Joint Tenants](https://co-operty.com/tenants-in-common-v-joint-tenants/) - Understanding Co-ownership: Tenants in Common vs. Joint Tenancy When it comes to co-owning property, there are two main agreements: Tenants in Common (TiC) and Joint Tenancy. Below is a simple side-by-side comparison of these options. At Co-operty, we champion the Tenants in Common (TiC) model. Why? Because it offers greater clarity, security, and governance for - [Ineligible Overseas Purchase](https://co-operty.com/ineligible-overseas-purchase/) - Your property must be located within Australia Thanks for sharing your responses. At this time, we’re only able to assist with co-ownership for properties located within Australia. If your plans change or you decide to buy in Australia in the future, co-ownership could still be a great way to make that happen. We’ll send you - [Ineligible Foreign Resident](https://co-operty.com/ineligible-foreign-resident/) - You need to be an Australian resident Thanks for taking the quiz. Based on your answers, it looks like you’re not currently eligible for co-ownership under this model. At this time, co-ownership arrangements are designed for buyers who are Australian residents for tax purposes, which is a requirement for most lending and legal agreements. If - [Ineligible Under 18](https://co-operty.com/ineligible-under-18/) - You’re getting a great head start Thanks for completing the quiz. While you’re not currently eligible for co-ownership, you’re getting a great head start. To enter into a legal co-ownership agreement, all buyers need to be at least 18 years old. But the good news is: once you turn 18, you’ll be able to explore - [Eligible](https://co-operty.com/eligible/) - You may be eligible for property co-ownership Great news — based on the information you’ve provided, you may be eligible for property co-ownership! Co-ownership can be a powerful way to: Make property more affordable by sharing the cost Enter the market sooner, rather than waiting to buy solo Build equity in a shared, appreciating asset - [Want to know more?](https://co-operty.com/want-to-know-more/) - Contact us Call us 1300 226 696 Email us hello@co-operty.com For media enquiries: media@co-operty.com Connect with us - [6 steps to co-owning your home](https://co-operty.com/what-is-co-ownership/6-steps-to-co-owning-your-home/) - 6 steps to co-owning your home DECIDE ON YOUR SHARE Will the property be owned equally (50:50) or a different split? Things to consider are the number of co-owners; stamp duty payable; deposit saved and mortgage repayments required and how this is shared between yourself and your co-owners. SEEK EXPERT ADVICE Owning a house or - [Our fees](https://co-operty.com/how-does-co-operty-work/what-does-it-cost/) - Our fees Co-operty can streamline your journey to co-ownership, taking the hassle out of what may be one of the most significant purchases of your life. Co-ownership Agreement Fee Our $1,599 Co-ownership Agreement Fee is made up of the following costs: Co-operty App Fee: $1,318 (including GST) Lawlab co-ownership execution Fee: $281 (including GST) All - [About Us - Our Mission and Values](https://co-operty.com/about-us/) - Our Guiding Principles At Co-operty, we're tackling housing affordability head-on by making co-ownership an accessible, secure option for Australians. Our platform empowers people to co-buy residential property with friends or family, helping them get onto the property ladder, faster. Recent YouGov research discovered a significant number of Australians are open to co-buying for affordability reasons. - [What is co-ownership?](https://co-operty.com/what-is-co-ownership/) - We at Co-operty make the pathway to property ownership easier and more affordable, while also unlocking property supply in areas where people want to live ... - [Co-operty Co-ownership Agreement](https://co-operty.com/how-does-co-operty-work/co-ownership-agreement/) - How a Co-operty Co-ownership Agreement helps define expectations, responsibilities and processes for property co-owners ensuring smooth property management. - [Meet the team](https://co-operty.com/meet-the-team/) - Meet the team Lynda Coker CEO & Co-founder Lynda has c. 25 years in financial services as a chartered accountant and corporate finance advisor to large banks and asset managers. She has worked with Government and Financial Services Regulators on policy settings both in Australia and in the UK. Lynda is an ecosystem builder in - [FAQs](https://co-operty.com/how-does-co-operty-work/faqs/) - FAQs General How does the Co-operty App work Co-operty will guide you through the co-ownership process in our easy-to-use app. Once you and your co-owners have found the property you want to buy and have agreed on a price, then launch our app and we will guide you through the information you need to provide. Lawlab - [Co-operty Platform Terms and Conditions](https://co-operty.com/platform-terms-conditions/) - Co-operty Platform Terms and Conditions Welcome to Co-operty! We provide a cloud-based platform (Platform)where you can work with others to see the data and get access to the resources you may need to help you co-purchase a property (Property) and be connected to the various services you will need to undertake this process. In these - [How does Co-operty work?](https://co-operty.com/how-does-co-operty-work/) - At Co-operty, we provide our customers with an independent, standardised co-ownership agreement that brings all parties together equally, outlining individual rights and obligations as well as defining how to deal with situations such as default, exiting and how that sits with all co-owners. Your new co-ownership agreement is seamlessly delivered via an easy-to-use digital app. We - [Terms & Conditions](https://co-operty.com/terms-conditions/) - This website is operated by Co-operty Services Pty Ltd ABN: 16 671 437 657. These website terms of use (Terms) apply to your use of, and access to, the Site. - [Privacy Policy](https://co-operty.com/privacy-policy/) - Privacy Policy CO-OPERTY SERVICES PTY LTD – PRIVACY AND CREDIT INFORMATION POLICY Co-operty Services Pty Ltd (ACN 671 437 657) (we, us or our), understands that protecting your personal information is important. 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