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Frequently asked questions

If I partner with Adress, who owns the home?

You control the property and receive the benefits of home ownership, such as occupancy rights and tax deductions. Adress fund will have real ownership, is a minority owner and has no rights of occupancy. Rather, we share a portion of the future change in value of the home, as a co-owner. We secure our ownership the same way traditional investors do, and in our case we become only passive minority co-owners of your home.


What is co-ownership and how does it work?

Traditionally, buying or owning a home means that you need to put down 15% equity to get a loan from the bank for the first property. This requirement is 40% for the second property. This equity needs to come in the form of savings, or a guarantee from your parents, relatives, etc.

Adress offers another way to access equity by investing alongside you, providing you with a cash payment today in exchange for a share in your home’s future change in value. If the home goes up in value, we both gain. If it goes down in value, Adress shares in the loss.

At the start of your agreement with Adress, we will discount the market value of your existing or future home with a small risk adjustment. We will do this to protect our investment. From there we will make our co-investment, giving you money for up to 10% of the home's value.

How is the Adress share calculated at the end of the agreement?

When you sell your home, you will need to pay us the amount of our original investment, plus or minus our share of your home's change in value. Adress will recover 25% of a potential appreciated value. We are bearing a risk together with you, helping you leverage your equity, taking a risk that you will be paying your mortgage in time and that you will be prudent with our co-owned property. We are not charging an interest or any installments during the contract period. Therefore, In order to justify our investment, we will need to share a higher upside than our initial ownership, in our case 25% of the appreciated value for 10% initial stake. Please use our calculator for an illustration.

Can I sell my home whenever I want?

Yes, but only after the restriction period of two years has passed. We are making a long term commitment and need to protect our investment.

Can I buy your share from you during the period?

Yes. You can choose to buy us out after your restriction period passes. If you choose to buy out our stake, we will use an independent third-party appraisal to determine the fair market value of your property at the time. If you buy us out, Adress does not share in any potential decrease in your home's value during the first three years.


What are the fees associated with the deal from Adress?

There are no out-of-pocket expenses for a homebuyer or home owner. Adress will deduct a processing fee of 4-5% from the investment. We will never charge interest or monthly payments.

Where do the funds come from?

We are going to work with professional investors like life and pension or insurance funds who want to make long-term investments in homes across the country. Both you and Adress benefit if the home increases in value, and we both lose if the home decreases in value. We are in the same boat and we see this as a win-win situation for both you and Adress.


When are you launching?

We are still working to put everything in place legally and funding wise before we launch.

Get in touch or sign up for interest and we will keep you updated.