How to purchase a home with Pfida.

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.

We buy it for you, using our special entity called Pfida Finance PLC, and enter a co-ownership agreement – as partners, howdy!

You move in, settle down and pay rent each month, scaled down by the amount of equity you own (your partnership share).

The rent is aligned to the local property market and takes into consideration a number of other factors, not interest though. We’re not interested in interest, but you know that.

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.

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.