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  • Our Model
    • How It Works
    • See the Math
    • What’s the Catch
    • Homebuyer Info Session
  • About Us
    • Our People
    • Our Impact
    • Our Regions
    • Press
  • Referral Partners
  • Resources
    • Calculators
    • FAQs
    • Podcasts
    • Events
    • Glossary
    • Articles
    • Videos
    • Take Our Quiz
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HOW IT WORKS

Ourboro is a new way to buy and own your home.

Get to Know Ourboro - Title

As your co-investor, we purchase a share in the future value of your home.

Once you are living in your home, we offer programs and services to help preserve and increase its value so that together we can share in the profit when it is sold.

HOW IT WORKS

Ourboro is a new way to buy and own your home.

As your co-investor, we purchase a share in the future value of your home.

Once you are living in your home, we offer programs and services to help preserve and increase its value so that together we can share in the profit when it is sold.

We would like to say a big thank you for making our dream of owning our 1st home in Canada a reality. Always very accommodating and supportive with great advice and service.

Marsha & Gary
- Whitby, ON -
Buying Your Home

Buying and owning a home can be scary. Backup is here.​

See how much Ourboro can contribute

Start by submitting your application. If it seems like a good fit, we’ll invite you to a call to learn more about our product.

Once you receive your mortgage pre-approval from one of our approved lenders, via a third-party licensed mortgage broker, you’ll be able to lock in Ourboro’s maximum down payment contribution. Ourboro’s contribution can be between 5% to 15% of the purchase price, up to a maximum of $250,000.

Find your new home

We’ll pair you with one of our partner real estate agents who is specially trained to guide you through the homebuying journey with us.

You will have access to Ourboro’s custom-built property search tool to help analyze and filter listings, showing you homes that we believe will meet your needs and grow in value over time.

Determine our ownership share

When we co-buy a home, the percentage of the down payment that we each contribute translates into the percentage of equity we have in the home. This determines how the home’s appreciation is shared when it is sold.

So, if you contribute 40% of the down payment and Ourboro contributes 60%, you would have a 40% stake in the home’s available equity.

The money that we invest into your home is not a loan to you, we are buying a share in the future value of the home. That is why there is no interest or monthly payments.

Buying Your Home
Living In Your Home
Selling Your Home
Living In Your Home

Have a BBQ in your very own yard.
You don’t even have to invite us

We’re here to support you

Think of us as your silent co-buying partner. Most of the time you won’t hear from us, but we’ll always be there to support you when you need it.

As part of the Ourboro community, you can take advantage of programs like our Homeowner Advance Fund for financial support on a rainy day, and we’re always happy to connect you with trusted third-party services for maintenance, renovations, and financing.

Maintain the home like a traditional homeowner

Since you get all the benefits of living in the home, it is your responsibility to keep it properly maintained and pay the associated costs.

As co-owners, we both want to maintain the home’s value and protect our investments. Though the home’s maintenance is your responsibility, we offer a complimentary home maintenance service to help stay ahead of problems in the home and make sure that everything is operating as it should.

Make the space your own

Make minor changes to your home entirely at your own discretion. Major updates may even qualify for a renovation credit.

This means, if the renovation increases the home’s value, we’ll pay you back for some, or all, of the costs incurred when the home is sold.

Buying Your Home
Living In Your Home
Selling Your Home
Selling Your Home

Upgrade or downsize. We’ll help you make the next move.

Own with Ourboro for up to 30 years

We can co-own the home together for up to 30 years. Of course, you are free to sell the home, or make an offer to buy our share, at any time.

Keep in mind, our co-ownership model is ideal for those that are looking to sell within the first 10 years. This shorter time frame allows you to get into the market and grow your investment, without having to share decades worth of appreciation with Ourboro.

Legal and secured illustration

Your mortgage payments are protected

When the home is sold, your mortgage principal payments will be taken from the sale proceeds and set aside for you first before we split the remainder.

This means the money you’ve paid toward your mortgage is protected, even if the home doesn’t increase in value.

Money and Calculator Illustration

Receive your fair share when you sell

After any final adjustments, we’ll divide the remaining proceeds according to our ownership shares in the home. You’ll walk away with your mortgage payments plus the appreciated value of your original down payment.

Ourboro will receive the appreciated value of our down payment contribution. Don’t worry, if the home hasn’t increased, or has decreased, in value we will accept the loss on our investment and you won’t owe us anything.

We’re your partner through the entire journey

We’ll provide you access to the best agents, resources, and services for the sale process just like we did when we helped you buy.

The equity you earned through the sale of your home can now help you with the purchase for your next property. We might even be able to co-buy that with you too!

Buying Your Home
Living In Your Home
Selling Your Home
Buying Your Home
Living in Your Home
Selling Your Home

Buying and owning a home can be scary. Backup is here.​

See how much Ourboro can contribute

Start by submitting your application. If it seems like a good fit, we’ll invite you to a call to learn more about our product.

Once you receive your mortgage pre-approval from one of our approved lenders, via a third-party licensed mortgage broker, you’ll be able to lock in Ourboro’s maximum down payment contribution. Ourboro’s contribution can be between 5% to 15% of the purchase price, up to a maximum of $250,000.

Find your new home

We’ll pair you with one of our partner real estate agents who is specially trained to guide you through the homebuying journey with us.

You will have access to Ourboro’s custom-built property search tool to help analyze and filter listings, showing you homes that we believe will meet your needs and grow in value over time.

Determine our ownership share

When we co-buy a home, the percentage of the down payment that we each contribute translates into the percentage of equity we have in the home. This determines how the home’s appreciation is shared when it is sold.

So, if you contribute 40% of the down payment and Ourboro contributes 60%, you would have a 40% stake in the home’s available equity.

The money that we invest into your home is not a loan to you, we are buying a share in the future value of the home. That is why there is no interest or monthly payments.

Buying Your Home
Living In Your Home
Selling Your Home

Have a BBQ in your very own yard.
You don’t even have to invite us

We’re here to support you

Think of us as your silent co-buying partner. Most of the time you won’t hear from us, but we’ll always be there to support you when you need it.

As part of the Ourboro community, you can take advantage of programs like our Homeowner Advance Fund for financial support on a rainy day, and we’re always happy to connect you with trusted third-party services for maintenance, renovations, and financing.

Maintain the home like a traditional homeowner

Since you get all the benefits of living in the home, it is your responsibility to keep it properly maintained and pay the associated costs.

As co-owners, we both want to maintain the home’s value and protect our investments. Though the home’s maintenance is your responsibility, we offer a complimentary home maintenance service to help stay ahead of problems in the home and make sure that everything is operating as it should.

Make the space your own

Make minor changes to your home entirely at your own discretion. Major updates may even qualify for a renovation credit.

This means, if the renovation increases the home’s value, we’ll pay you back for some, or all, of the costs incurred when the home is sold.

Buying Your Home
Living In Your Home
Selling Your Home

Upgrade or downsize. We’ll help you make the next move.

Own with Ourboro for up to 30 years

We can co-own the home together for up to 30 years. Of course, you are free to sell the home, or make an offer to buy our share, at any time.

Keep in mind, our co-ownership model is ideal for those that are looking to sell within the first 10 years. This shorter time frame allows you to get into the market and grow your investment, without having to share decades worth of appreciation with Ourboro.

Legal and secured illustration

Your mortgage payments are protected

When the home is sold, your mortgage principal payments will be taken from the sale proceeds and set aside for you first before we split the remainder.

This means the money you’ve paid toward your mortgage is protected, even if the home doesn’t increase in value.

Money and Calculator Illustration

Receive your fair share when you sell

After any final adjustments, we’ll divide the remaining proceeds according to our ownership shares in the home. You’ll walk away with your mortgage payments plus the appreciated value of your original down payment.

Ourboro will receive the appreciated value of our down payment contribution. Don’t worry, if the home hasn’t increased, or has decreased, in value we will accept the loss on our investment and you won’t owe us anything.

We’re your partner through the entire journey

We’ll provide you access to the best agents, resources, and services for the sale process just like we did when we helped you buy.

The equity you earned through the sale of your home can now help you with the purchase for your next property. We might even be able to co-buy that with you too!

Buying Your Home
Living In Your Home
Selling Your Home
Buying Your Home
Living In Your Home
Selling Your Home

Buying and owning a home can be scary. Backup is here.

1

See how much Ourboro can contribute

Start by submitting your application. If it seems like a good fit, we’ll invite you to a call to learn more about your homebuying goals and answer your co-ownership questions.

Once you receive your mortgage pre-approval from one of our approved lenders, via a third-party licensed mortgage broker, you’ll be able to lock in Ourboro’s maximum down payment contribution. Ourboro’s contribution can be between 5% to 15% of the purchase price, up to a maximum of $250,000.

Read More

2

Find your new home

We’ll pair you with one of our partner real estate agents who is specially trained to guide you through the homebuying journey with us.

You will have access to Ourboro’s custom-built property search tool to help analyze and filter listings, showing you homes that we believe will meet your needs and grow in value over time.

Read More

3

Determine our ownership share

When we co-buy a home, the percentage of the down payment that we each contribute translates into the percentage of equity we have in the home. This determines how the home’s appreciation is shared when it is sold.

So, if we each contribute half of the down payment, we would share the home’s available equity 50/50. If you contribute 25% of the down payment and Ourboro contributes 75%, you would have a 25% stake in the home’s equity.

The money that we invest into your home is not a loan to you, we are buying a share in the future value of the home. That is why there is no interest or monthly payments.

Read More

Have a BBQ in your very own yard. You don’t even have to invite us.

1

Make the space your own

Make minor changes to your home entirely at your own discretion. Major updates may even qualify for a renovation credit.

This means, if the renovation increases the home’s value, we’ll pay you back for some, or all, of the costs incurred when the home is sold.

Read More

2

Maintain the home like a traditional homeowner

Since you get all the benefits of living in the home, it is your responsibility to keep it properly maintained and pay the associated costs.

As co-owners, we both want to maintain the home’s value and protect our investments. Though the home’s maintenance is your responsibility, we offer a complimentary home maintenance service to help stay ahead of problems in the home and make sure that everything is operating as it should.

Read More

3

We’re here to support you

Think of us as your silent co-buying partner. Most of the time you won’t hear from us, but we’ll always be there to support you when you need it.

As part of the Ourboro community, you can take advantage of programs like our Homeowner Advance Fund for financial support on a rainy day, and we’re always happy to connect you with trusted third-party services for maintenance, renovations, and financing.

Read More

Upgrade or downsize. We’ll help you make the next move.

1

Own with Ourboro for up to 10 years

We can co-own the home together for up to 10-years. Of course, you are free to sell the home or make an offer to buy our share at any time.

If you decide you’d like to remain in the home past the 10-year mark you may do so by simply paying fair market value for our share in the property.

Read More

2

Legal and secured illustration

Your mortgage payments are protected

When the home is sold, your mortgage principal payments will be taken from the sale proceeds and set aside for you first before we split the remainder.

This means the money you’ve paid toward your mortgage is protected, even if the home doesn’t increase in value.

Read More

3

Money and Calculator Illustration

Receive your fair share when you sell

After any final adjustments, we’ll divide the remaining proceeds according to our ownership shares in the home. You’ll walk away with your mortgage payments plus the appreciated value of your original down payment.

Ourboro will receive the appreciated value of our down payment contribution. Don’t worry, if the home hasn’t increased, or has decreased, in value we will accept the loss on our investment and you won’t owe us anything.

Read More

4

We’re your partner through the entire journey

We’ll provide you access to the best agents, resources, and services for the sale process just like we did when we helped you buy.

The equity you earned through the sale of your home can now help you with the purchase for your next property. We might even be able to co-buy that with you too!

Read More

We help real people get into real estate.

Get Started
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