Own real estate,
not a mortgage.

Far too many people are locked out of owning today. So, we've made it our mission to provide aspiring homeowners with a flexible and attainable way to become an owner.

Making the dream of homeownership possible again

We’ve created the world’s first all-digital, on-demand homeownership platform (called Homeownership-as-a-Service) to provide a third option beyond renting or buying a home with a mortgage.

We do the heavy lifting

Key sources, qualifies and matches aspiring homeowners with your property. The Owner-Resident then signs a forward purchase agreement and occupies your property, while paying your rent every month

Get started

Own years sooner

Our patent-pending co-ownership model means Aspiring Owners can start owning with a much smaller down payment, so they start building home equity now instead of wasting years saving for a large down payment.

Homeownership made easy

Our digital platform makes homeownership seamless. Aspiring Owners can browse available homes, make payments, and manage their equity all in one place.

No mortgage required

Aspiring Owners can own without needing to qualify for, or be locked into a mortgage.  Plus, you can start building home equity years sooner, eliminating the need to save towards a large down payment.

Secure residency

Unlike renting, Aspiring Owners have peace of mind in knowing they have security in their co-ownership for a specified term. They no longer have to worry about any unexpected eviction notices.

Make owning a home your reality

Far too many people have given up on the idea of homeownership. Key removes the two main barriers to entry; a large down payment and committing to a mortgage. Plus, we reduce the stress and friction involved in the typical home buying process.

Digital Onboarding is quick and simple on our Homeowner-as-a-Service (Haas) platform

Automated payments that are easy to keep track through the app

Add to your co-ownership and track home equity growth on your personal dashboard

Join a community of like-minded homeowners who share your excitement to be building equity

How does it work?

It couldn't be simpler to become a co-owner with Key.

Property Owners provide homes for co-ownership

Key’s homeownership-as-a-service platform offers a portfolio of premier homes, offered by Property Owners, for Aspiring Owners to select from.

Aspiring Owners find a home they like

Simply choose the city, neighbourhood and property you’d like to call home from our desirable collection.

Sign up

Let us know what home you’ve chosen and how best to reach you. Our team will answer any questions you have about co-ownership, the home or the process. 

Get Approved

Simply complete the online application form.  It’s quick and easy! Just ask one of our Owner Residents who completed the approval process over her phone in 15 minutes, while parked in her car.

Start owning for as little as $10k

Aspiring Owners buy and own the portion of the home they can afford today. Ownership starts from only 2.5% of the value of the home (from $10k to $15k in many cases).

Share in ownership & responsibility

Property Owners and Owner Residents co-own the home and share pro-rata in the equity, as well as the costs. Only the Aspiring Owner lives in the home though and you can decorate it to bring your personality to life.

Grow homeownership at your pace

Owner Residents can increase their equity monthly or in lump sum payments, whatever works best for them. Each time you buy more, you own more of the home so your monthly residency payment decreases.

Don't just take our word for it, hear from our Owner Residents

How does Key compare vs?

Traditional Ownership
Become a homeowner sooner without spending years saving for a large down payment or committing to a mortgage.
Key vs. Traditional Ownership
Have your monthly payments go towards owning your home, instead of making your landlord richer.
Key vs. Renting
Gain equity in your home right from the start and without sacrificing your flexibility.
Key vs. Rent-to-own

How does
actually work?

What do I actually own?

You co-own the home you live in and no longer need to worry about a landlord knocking on the door and giving you 60 days' notice. If you decide to move, you can do so with only 75 days' notice. When you move (any time after the first year), you'll get all your investments back plus your portion of how the value of the home changed while you lived there. If you need to move in your first year, depending on where you are living there's a 5-10% penalty, so it's best to know you want to live in the home for at least one year before you become an Owner-Resident. Key's innovative model saves the hassles and many of the typical costs involved with buying and selling traditional real estate.

For Key homes that are pre-construction condos, there will be an interim occupancy period where you lease your home for a year. You become a full fledged Owner-Resident once you sign the Owner-Resident Agreement at the end of this transition period. The good news is you will still be building home equity during this lease period, as long as you become an Owner-Resident at the end of your lease.

How many co-owners are there per home?

As an Owner-Resident, you are the only co-owner living in the home. You co-own alongside Key’s investors or property owners. This provides an opportunity for you to build equity in the real estate market years sooner.

What’s the minimum initial contribution if I want to move in?

Each building will have a different initial contribution starting from 2.5% of the home’s value to become an Owner-Resident. You can find this information on each of the home listings so you’ll know exactly what’s required. So, if you're interested in living in a home valued at $600,000, your initial 2.5% equity contribution would be $15,000. If the home is $500,000, your initial contribution would be even less ($12,500). And you don't need to commit to a mortgage.

See all Q&A

Curious to learn more?
We'd love to chat.

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