From housemates
to homeowners.

Download the app, sign up, and create a co-ownership group. Invite your housemates — you can have 2, 3, or 4 people in a group.

• Everyone fills in their financial profile (income, savings, deposit contribution)
• The app suggests an ownership split based on what each person can contribute
• You agree on the split together — it doesn't have to be equal
• All of this stays private until you choose to share it with a broker

CoHomed generates the legal documents you need — co-ownership agreements, expense agreements, and mortgage contribution deeds — from the details your group has entered.

• Documents are populated with your group's actual names, ownership percentages, and financial details
• The co-ownership agreement covers everything: ownership split, decision-making, what happens if someone wants to leave, default protections, and dispute resolution
• We strongly recommend having a solicitor review the documents before signing — they're drafted as a starting point, not a substitute for legal advice

The eligibility wizard checks every government scheme your group might qualify for — and tells you exactly how much you could save.

• First Home Owner Grant ($30,000 in QLD for new homes)
• Stamp duty concessions (potentially $0 in QLD)
• First Home Guarantee (5% deposit, no LMI)
• Boost to Buy (government contributes up to 30%)
• The checker flags any issues — like one member not being a first home buyer — before they become problems

When your group is ready, CoHomed generates a broker handover pack and connects you with mortgage brokers who have experience with co-ownership applications.

• The handover pack includes your group structure, financial summary, ownership split, and eligibility results
• Brokers in our marketplace are experienced with tenants-in-common applications
• You choose the broker — CoHomed doesn't recommend one over another
• The broker handles the mortgage application, and your conveyancer handles settlement

After settlement, CoHomed keeps working. Track mortgage contributions, split household expenses, and keep everyone accountable.

• Split mortgage payments, rates, insurance, and maintenance costs
• Create one-off expenses (like renovating the deck) and vote on them within the app
• Automatic payment reminders so nobody falls behind
• Your reliability score builds over time — a track record of responsible co-ownership