How to purchase a home with Pfida.
Here we explain how our home buying product, OwnTogether, is set up to help you own your own home – in a way that’s affordable, free of interest, and without the burden of debt. We know, we know, a lot of our customers tell us it sounds too good to be true, but we promise, there’s no catch! 
The short story.
1. Find a property
You find a property you like and approach us with 20% deposit amount that would work as your ‘initial equity’. We always recommend 20% as your initial equity amount, but we do accept 15% on a case-per-case basis.
2. We buy it together
We buy it with you, using our special entity called Pfida Finance PLC, and enter an agreement as partners, howdy!
3. Move in
You move in, settle down and pay rent each month, scaled down by the amount of equity you own.
The rent takes into account the local property market and several other factors, but not interest though.
4. We sell back to you
We sell our share of the property back to you at the price we purchased it – even if it takes you 30 years to pay it back! It’s up to you though, you don’t have to buy the entire property if you don’t want to. We’re big on choice at Pfida.
5. Equity buffer
We like giving our customers security, so you have access to your ‘equity buffer’ if you need it – meaning if times get difficult and you can’t pay your rent, you can pay using your equity instead. Win-win.
The only downside?
We have a very, very long waiting list for our home buying product, OwnTogether. We’re working on it though.
GYS account holders have a different waiting list. Check the waiting list here.
Watch our homebuying webinar on demand
Prefer a visual walkthrough of our interest-free homebuying model? Click below to watch our latest webinar, where we break down the OwnTogether partnership and how the journey works from registration to keys.
We think you’ll be interested in…
Become a homeowner
Purchase your own home interest-free and without the burden of debt through our home buying product, OwnTogether.
