Home Co-investment

Australian Investment Services help home buyers get into your own home using a co-investment model.

AIS recognise the increasingly difficult up-front hurdle of saving for a deposit large enough to get started. This initial hurdle is a significant one, but we have designed a strategy to counter that, and get you into a home quicker, where you share the equity with us and have the flexibility to increase your share of the property over time.

There are lots of benefits from this opportunity, including preserving some of your assets to diversify into other investment options. But put simply, you can now move into your own tailor-built home, enjoy the stability and comfort of a new home for your family, and get earlier access to the potential upside of rising values.

Lock-in your future lifestyle plans at today’s prices, with the flexibility to add to it later while living and maintaining your home outside of the traditional rental market with greater freedom to style your home as you want it.

HOW IT WORKS

In broad terms, AIS will work with you to custom build a home using our design and construction team, and tailor an investment strategy which involves sharing ownership of the property.

Depending on your preferred investment level and initial deposit, part of your monthly rent will go towards covering your percentage share of the completed property, with the balance going to cover rent which we use to meet the rest of the mortgage or other borrowings over the course of the loan.

AIS effectively allow you to speed-up the process of purchasing your home and use our resources to cover the rest of the initial deposit.

You then have the option over time to increase your ownership component, as you accumulate more capital over time in topping-up that initial deposit.

A greater portion of your rent therefore goes toward growing your ownership share in the home asset.

DEPOSIT

Nominate the amount you can contribute toward a deposit, and agree on the purchase budget.

AIS then arrange a mortgage with a third party lender with an agreed deposit amount. We will “top-up” the required deposit amount to that required and the combination of your own equity and our contribution, determines the percentage equity you have up-front.

You then meet your share of the monthly loan amount reflecting your share of the initial equity, with the balance paid as rent to AIS who use this to pay the balance of the mortgage cost.

LIFESTYLE OPTIONS

A co-investment strategy gives you much greater certainty about your home living circumstances.

With some skin in the game, you have the opportunity to live in the property like your own – customise the interior, lavish it with your personal touch knowing that you are adding value to it over time, and develop the outdoor areas including garden landscaping in a way that reflects your own tastes.

An AIS home gives you the upper hand over traditional renting, with lots more benefits earlier in the life cycle of your preferred property ownership.

BUY-BACK

With so many clients and existing co-ownership partners experiencing or looking forward to the benefits offered by an AIS home strategy, we can offer the opportunity of a low exit cost if your circumstances change.

Looking for a quick sale of your investment share down the track? Having some of the equity already makes us the natural buyer, and avoid agent selling costs.

Or put the property to auction and test the market – the choice is yours. AIS aim to build long-lasting relationship with our partner-tenants, but we share the upside on a similar footing and build our reputation based on experiences.

HOME CHOICE

Choose from a range of build options, including:

Location
Style
Floorplan
Number of bedrooms
And more

AIS take a long-term view to the co-investment partnership. Our model benefits both parties, by giving you choice and lifestyle options, whilst giving us peace of mind that we have a tenant who will take care of the property and provide longevity in the return over time.

BUILD SMARTER, SOONER

Let’s face it, renting can be a nightmare!

With your own home, you can protect against having to move constantly and uproot yourself because the landlord has a change of mood.

But saving for a property when you are also paying out dead-money in rent each month can be an almost insurmountable challenge.

An AIS co-investment strategy can give you the edge earlier, getting into your own home with a giant leap forward, where you are part-owner, part-tenant, but with a mighty great foot forward and a “big say” in your living arrangements.

AIS – the more permanent living solution – an alternative to the rental rat race.

FLEXIBILITY

If your lifestyle changes, with the onset of a larger family or changed job circumstances which require you to move location or into a different sized home, we are happy to discuss transfer of your equity to another property.

Avoid some of the normal and often very significant costs of shifting home, minimising agent costs and the like – choose a smart solution with AIS.