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►Joint Equity is flexible
Joint Equity offers one of the most flexible way to buy your home and/or invest in property that is available today.
We can put our hands on our hearts and say that we believe this completely. You can buy what you want, where you want, pretty much when you want to, and in whatever combination of rent/buy, capital/interest, assisted/unassisted purchasing that suits you, and you can change the way you do it if you’d like. That's it in a nutshell!
► Staircasing
You can buy additional Shares in your home up to 75% reducing the amount you rent and after 2 years your Investor can not object.
If you want to buy more than 75% your Investor is under no obligation to sell as we have to protect their long term investment return. However, you can ask them and they might well accept.
There are some costs involved. We won't charge you a fortune to do it, and even if you buy 100% and leave Joint Equity you'd be welcome to come back to us later if you wanted to.
► Equity release
It could be that you want to borrow back a proportion of what you've already paid off (if you have repayment terms), release some of the capital growth, or that you want to 'sell' the Investor a bit more of your property (you can do this even if you have interest-only terms, but only as long as you own more than the 50% minimum, whatever kind of mortgage you have).
► Buying in - 2 options
After a while, when your financial position has improved, you may wish to buy more of your Joint Equity home up to a maximum of 75% (over this amount, you would need to buy out your Investor completely).
After a while, when your financial position has improved, you may wish to buy more of your Joint Equity home up to a maximum of 75% (over this amount, you would need to buy out your Investor completely).
Alternatively, you can invest in a second property and become one of our Investor-Partners , even whilst you're still an Owner!
► Owners become Investors
We anticipate that in 10 years time, 50% of our Investor-Partners will once have been Joint Equity Owners.
We think that our no-nonsense, tailored approach to owning and investing in your own property is the reason that both our Owner and Investor Partners have confidence in us and our ability to help them.
There are all sorts of advantages to investing with Joint Equity, and you should go to the Investors section of the site to find out more about them.
Basically though, people wouldn't use Joint Equity if we did not provide a good service and what people are looking for.
► Anything else?
We hope we've answered most of your questions about the Joint Equity buying process, and that you'll want to go to our what next pages and drop us an email or sign up with us.
We recommend you browse the Investing section of the site too. It'll give you a better idea of why people want to become Joint Equity Investor-Partners, and what everyone else is getting out of the deal.
After all, there is really no such thing as a free lunch, but there is such a thing as a reasonably priced sandwich!
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The Joint Equity Scheme is for first-time buyers, home owners and property investors. This site is developed and maintained by Joint Equity ltd. ©Joint Equity (2008)
Joint Equity Ltd works with Mortgage Beaters Ltd to provide case studies & Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of Mortgage Beaters Ltd, which are authorised and regulated by the Financial Services Authority.
The content of this website is accurate to the best of our knowledge and for information only. We do not provide financial advice.
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