Financing Options Tailored for Your Home Journey

Flexible shared equity and bank financing designed to make your land and build package achievable

Shared Equity Financing: Partnering to Build Your Future Home

Tekna contributes up to 15% of your land’s value plus stamp duty, reducing the upfront deposit you need. This shared equity model means Tekna invests alongside you, secured by a second mortgage on your property.
In return, you pay a fixed monthly fee based on Tekna’s contribution and share a portion of your property’s future value. This approach helps you start building sooner while sharing the investment risk and rewards with Tekna.

How Tekna’s Shared Equity Model Works

Understanding Your Monthly Fee and Repayment Terms

The monthly fee you pay to Tekna is calculated at a fixed rate of $0.0033 per dollar of the Shared Equity Amount. This means if Tekna contributes $175,000, your monthly fee starts around $580. This fee covers Tekna’s financial support and continues until the Shared Equity Amount is fully repaid, or you sell or refinance your property.
Repayments to Tekna are flexible and tied to your property’s value. Each year, your home is revalued, and you have the option to repay part of Tekna’s share using additional bank financing. This reduces your monthly fee and Tekna’s equity percentage over time, helping you build full ownership faster while managing your cash flow effectively.

Monthly Fee Structure and Repayment Details

A clear example of how shared equity and bank financing work together

Imagine purchasing a land and house package valued at $1,056,025. Your bank finances 85% of this amount, covering $881,217, while Tekna contributes the remaining $175,534 as shared equity. This setup reduces your upfront deposit requirement and helps you start building sooner.
After construction, a new property valuation may increase the value by 7%, allowing you to refinance with your bank. Tekna negotiates builder discounts that lower their cash contribution but maintain their equity share. Over time, repayments and revaluations adjust Tekna’s equity percentage, gradually reducing your shared equity obligation.

Financing Package Illustration

Annual Revaluations: Adjusting Your Equity and Repayments

Each year, your property undergoes a professional revaluation to reflect its current market value. This process helps update the shared equity percentage and repayment amounts tied to your home’s worth.
If the property value rises, you have the option to refinance with your bank and repay part of Tekna’s shared equity. This reduces your equity percentage and monthly fees, helping you build full ownership faster. Annual revaluations and repayments are optional but encourage quicker equity growth.

How Annual Revaluations Impact Your Shared Equity

Why Choose Tekna for Your Home Financing

Simplified Entry with Lower Deposit

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Tekna’s shared equity model reduces the upfront deposit needed, making it easier to start your home journey without waiting to save a full 20%.

Potential Savings and Expert Support

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Benefit from negotiated discounts on building costs and ongoing guidance through design and construction, helping you save money and avoid common pitfalls.

Financing FAQs

Find clear answers to common questions about our shared equity and bank financing options, helping you understand how Co Invest Homes supports your property purchase.

  • What is the shared equity model?

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    Co Invest contributes up to 15% of the house and value


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  • How does bank financing work alongside Co Invest's contribution?

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    Buyers secure financing from their bank for approximately 85% of the total land and house package. This covers the majority of the purchase, while Co Invest’s shared equity reduces the upfront deposit needed.

    View Explanation

  • Are annual property revaluations mandatory?

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    Annual revaluations are optional unless specified in your agreement. They allow buyers to repay part of Tekna’s shared equity, reducing monthly fees and equity percentage, but you are not required to revalue or repay every year.
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