Buy a home together, prepared properly.
You and the people you live with can probably afford a mortgage together, even if none of you can alone. CoHomed prepares every document that arrangement needs — and walks you through the Queensland schemes you may be entitled to.
Available in Queensland. Other states, one at a time.
You can afford a mortgage. Just not on your own.
Individually, most young Queenslanders can’t clear the deposit hurdle. Collectively, a share house often already has enough — the money is there, it’s just spread across four people with no structure holding it together.
The paperwork is the real barrier. Property law assumes couples and families. Buying with friends means agreements nobody has drafted before, contribution records nobody is keeping, and government schemes with eligibility rules that change depending on how many of you there are.
Renting
$2,400 a month between four people. After six years that’s $172,800 paid toward someone else’s mortgage, and you own nothing at the end of it.
Co-owning
The same $2,400 a month, going into an asset the four of you hold in shares you agreed in writing before anyone moved in.
Everything you need to buy together. Nothing you don’t.
The agreements, drafted
Co-ownership agreement, household expense agreement and mortgage contribution deed — populated from your house’s own figures, ready for your solicitor to review.
A split everyone agreed
Ownership shares calculated from what each person actually contributes, visible to the whole house, and recorded in the agreement rather than left as a conversation.
The schemes, explained
Four Queensland schemes with their published criteria checked against what you’ve entered — including the applicant caps that quietly rule out groups of three or four.
A pack for the lender
Every figure the house has entered, compiled into one document you take to whichever broker or lender you choose. We don’t name one and we don’t take a referral.
A shortlist you share
Places the house is considering, in one list everyone can comment on and vote in — instead of four separate camera rolls and a group chat.
Signed and downloadable
E-signature for every member, and the finished pack available to regenerate and re-download for as long as you have an account.
Set it up together, on your phones.
Screenshots from the current build. Figures shown are illustrative.
Four steps, then the paperwork is done.
Set up the house
Name it, set what you’re aiming to spend, and record what you’re putting in. Takes a few minutes.
Bring in the others
Share a six-character code. Each person joins and enters their own income and deposit.
Check the schemes
Work through the Queensland schemes against the published criteria, with links to the official source for each.
Get the pack
Pay once. Every document is prepared from the house’s figures, signed by all members, and yours to download.
The help you may already be entitled to.
There is real money available to first home buyers in Queensland, and the rules are not written with share houses in mind. CoHomed lays out each scheme’s published criteria against what your house has entered, so you can assess for yourselves where you stand.
First Home Owner Grant
A grant toward a new-build first home under the published value cap. Administered by the Queensland Revenue Office.
First Home Concession
A transfer duty concession on a first home, assessed on price and the share each person holds.
Boost to Buy
The Queensland shared-equity scheme, with capped places in each round.
First Home Guarantee
A Commonwealth guarantee for low-deposit purchases, administered by Housing Australia through participating lenders.
One fee. Paid once. Per house.
Not a subscription. No percentage of anything. You set up the house for free, work through the schemes for free, and only pay when you want the documents prepared.
CoHomed never handles payments between members and takes no commission from any lender or broker.
- Co-ownership agreement, prepared from your figures
- Household expense agreement and contribution deed
- A statement of position for every member
- Lender presentation pack
- Pre-filled application packs for each scheme
- E-signature, and re-download for the life of the account
Documents are prepared from professionally drafted templates and are intended for independent legal review before signing.
What CoHomed is, and what it isn’t.
Buying a home with other people is a serious financial decision. It matters that you know exactly what this app does for you and where you still need professional help.
What we do
- Prepare documents from information you provide
- Set out published scheme criteria so you can self-assess
- Compile your own figures into a pack you can take anywhere
- Keep the whole house looking at the same numbers
What we don’t
- Give legal, financial or credit advice
- Recommend a lender or broker, or take a referral fee
- Handle money between you and anyone else
- Decide whether you qualify for anything
Have your documents reviewed by a Queensland solicitor before signing, and confirm any scheme against its official source.
Ready to own the house you already live in?
Download CoHomed, set up your house, and see where you stand before you spend anything.
Available in Queensland. Other states, one at a time.