Hanyadamhomes Is A Canadian Company Established In 2018 By A Group Of Real Estate Investors With More Than 70 Years In Real Estate Investing.

Our Senior Management Team Has Both Proven Experience And An Outstanding Track Record. That’s One Of Many Unparalleled Features That Separate Hanyadamhomes From Other Investment Firms In The Industry. 

We Understand The Real Estate Market In And Out. We Realize The Exceptional And Undervalued Real Estate Opportunities And Offer It To Our Investors.

Hanyadamhomes Has Introduced A “Building Wealth Scheme” To  Private Equity And Has Created “Unique Real Estate Investments” That Can Help Everyone Achieve Their Financial Goals.

We Specialized In Finding Those Unrealized Opportunities In Real Estate; We Have To Do Our Due Diligence, Understand Both The Market And The Properties. It Takes Time, Experience, Hard Work And Discipline. But That’s One Of The Ways That Hanyadamhomes Is Innovative In The Industry, And Because Of Our Great Senior Management And Our Team, Hanyadamhomes Can Boast The Track Record We Have.

Hanyadamhomes invests in your home by providing up to $250,000 to cover the down payment. Through this contribution, we establish an equity share or percentage in the property. This means that when you eventually sell the home, the proceeds from the sale are divided between us based on our respective equity percentages. This arrangement allows us to mutually benefit from any appreciation in the home’s value and share the risk in case of depreciation.

It’s important to note that Hanyadamhomes’s contribution is not a loan, and therefore, it doesn’t involve any interest or additional debt. You are not required to repay us directly. Instead, the repayment is made from the proceeds of the home’s sale when you choose to sell it.


We are helping people purchasing homes in GTA and Southwest Ontario

Hanyadamhomes aims to assist individuals and families who possess sufficient income to support a mortgage but lack the necessary savings to make a complete down payment for their desired home. As home prices rise faster than their savings, many individuals are uncertain about whether they will ever be able to own a home.

To engage in co-sharing with us, you should:

  • Seek to purchase a home in one of our investment regions.
  • Have the ability to contribute at least 5% of the home’s value as a down payment during the purchase or have RRSP can cover the down payment.
  • Intend to use the home as your primary residence.
  • Be a Canadian citizen or permanent resident.
  • Receive pre-approval for a mortgage from one of our lending partners through our application process.
  • Ideally, plan to co-own the home for less than 10 years.

Begin today by contacting a member of our team CLICK HERE to discover how co-ownership can facilitate your acquisition of the desired home at an earlier time.

Unlike traditional loans, Hanyadamhomes does not extend loans to individuals seeking to buy a home. Instead, we enter into a co-sharing arrangement where we invest in and co-share the property alongside you. As your co-sharing partner, when Hanyadamhomes purchases a home with you, the following distinctions apply:

– Absence of monthly payments: You are not required to make monthly payments to Hanyadamhomes, as is typically the case with loans.

– Lack of interest: Since Hanyadamhomes does not provide a loan, there is no interest involved in our co-sharing arrangement.

– Repayment through the home: Rather than directly repaying Hanyadamhomes, the repayment occurs through the appreciation of the home’s value. As the property’s worth increases, you can benefit from the accumulated equity. When you eventually sell the home, Hanyadamhomes receives a portion of the proceeds based on our co-sharing agreement.

In essence, Hanyadamhomes offers an alternative approach to homeownership through a co-sharing model, distinguishing it from the conventional loan structure.

Hanyadamhomes generates revenue through two primary methods.

The main source of our revenue stems from the appreciation in the value of the homes we co-share. We collaborate with homebuyers to co-purchase properties that are expected to increase in value over time. When the home is eventually sold/refinance, Hanyadamhomes receives its share of the equity in the property. Both parties benefit from the growth in the home’s value, and in the event that the value decreases, we share in any losses as well.

Hanyadamhomes’s secondary source of income comes from management fees paid by our investors. These investors are individuals who are interested in investing in real estate within the Greater Toronto Area (GTA) & Southwest Ontario but prefer not to take on the responsibilities of property management or being landlords. By investing in Hanyadamhomes’s fund, these investors can diversify their risk and enjoy the advantages of investing in real estate in the GTA (Greater Toronto and Southwest Ontario Area).For more comprehensive information, please refer to “Our Model”

As a homeowner, it is your responsibility to ensure proper maintenance of the property in order to fully enjoy living in it. Hanyadamhomes, as the co-owner, does not benefit from residing in the home nor charge you any rent, making it a fair arrangement. However, as co-owners, we both understand the importance of preserving the home’s value and safeguarding our investments. To assist in this, we provide a complimentary home maintenance service to proactively address any issues and ensure everything functions as intended.


Regarding renovations, you have the freedom to make minor changes to the home as you see fit. However, for significant updates, we kindly request that you inform us in advance, particularly because you may be eligible for a Renovation Credit. This means that if the renovation enhances the value of the home, you can recoup a portion or all of the renovation costs when the home is sold.

If Hanyadamhomes were to cease operations, rest assured that our Co-sharing Agreement safeguards both parties involved. The agreement ensures that Hanyadamhomes cannot sell the home or reclaim our ownership share unless there is a substantial breach of the agreement by the occupying owner. Consequently, there is no risk to the security of your home if Hanyadamhomes goes out of business. It is worth noting that the investment fund, which co-owns the property with you, is separate from the company Hanyadamhomes Investment Inc. Hence, even if Hanyadamhomes were to close down, the legal entity responsible for co-owning your home will remain intact.

The allocation of our own shares in the home is based on the initial down payment contributions made by each party. When you purchase a home through Hanyadamhomes, you have the option to contribute a percentage ranging from 5% to 15% of the home’s value as equity. Hanyadamhomes then supplements the remaining amount to ensure a total down payment of 20%. The proportion of the down payment that each of us contributes corresponds to our respective equity shares in the future appreciation of the home.

For instance, let’s consider a scenario where we co-purchase a $1,000,000 home. You contribute 8% of the purchase price ($80,000), while Hanyadamhomes contributes 12% ($120,000), resulting in a combined down payment of $200,000 (20% of the home’s value). Since Hanyadamhomes’s contribution represents 60% of the total down payment (60% x $200,000 = $120,000) and your contribution represents 40% (40% x $200,000 = $80,000), the equity in the home would be divided as 60-40 between Hanyadamhomes and yourself, respectively.

To understand how this division of equity impacts the distribution of proceeds upon selling the home, please refer to our FAQ titled “What happens with the proceeds when I sell my home?”. 

Or you can see the math of this process here


Hanyadamhomes offers co-sharing opportunities for various types of homes, including condominiums, townhouses, semi-detached houses, and single-family detached homes.

However, it’s important to note that there are certain property types that we are currently unable to co-invest in. These include pre-construction properties, condominiums constructed before 1980, homes that are part of a cooperative arrangement, and properties requiring extensive renovation where crucial elements such as walls, flooring, roofing, HVAC, electrical systems, and plumbing are either absent or not in proper working order.

Currently, Hanyadamhomes allows co-sharing agreements exclusively between one additional party and the buyer. This arrangement is restricted to the buyer and their partner/spouse. Unfortunately, we do not facilitate co-sharing among friends or any other individuals who are not the buyer’s partner/spouse.

Yes, as part of our application and onboarding process, we have established partnerships and streamlined processes with select, reputable lenders who have a solid understanding of our model. Through a licensed mortgage broker, you will be connected with these lenders. It’s important to note that all of our lenders are capable of providing competitive mortgage options and excellent service. As we continue to expand, we will also be adding more lending partners to enhance our offerings.

Hanyadamhomes’s policy restricts the combined down payment from co-buyers to 20% of the home’s purchase price. You have the flexibility to contribute a portion ranging from 5% to 15% of the home’s value, while Hanyadamhomes will invest the remaining amount, up to a maximum of $250,000, to achieve the 20% down payment threshold.


The objective of Hanyadamhomes is to facilitate homeownership and provide opportunities for individuals to enter the real estate market. A 20% down payment offers advantages such as reducing the overall mortgage amount, enabling a shorter amortization period, eliminating the need for mortgage insurance, and allowing the purchase of homes priced above $999,999.


By adhering to the 20% down payment limit, Hanyadamhomes can invest in a greater number of homes and assist a larger pool of homebuyers, furthering our mission to promote accessible homeownership.

No, one of the significant advantages of co-sharing with Hanyadamhomes is that mortgage insurance is not required. Co-buying through Hanyadamhomes ensures that you will achieve a 20% down payment threshold, eliminating the need for mortgage insurance. This results in lower monthly mortgage payments, enabling you to save money.


Under the co-sharing arrangement, you have the flexibility to contribute a portion ranging from 5% to 15% of the home’s purchase price. Hanyadamhomes will then invest the remaining amount, up to a maximum of $250,000, to reach the 20% down payment requirement. By guaranteeing a 20% down payment, mortgage insurance is not necessary, providing you with financial benefits and increased savings on a monthly basis.

No, Hanyadamhomes does not conduct any credit checks during the application process. When you apply, we primarily request your household income to gain a general understanding of your debt-carrying capacity. However, once we refer you to our lending partners, they will undertake a comprehensive credit check as part of their standard mortgage pre-approval procedure. This credit check is a routine step performed by lenders to assess your creditworthiness and determine your eligibility for a mortgage.

Given that we are co-sharing a property, it is crucial that we have the support of experienced real estate agents who can assist us in the purchasing process as well as future selling endeavours.

Hanyadamhomes currently collaborates with preferred real estate brokerages to whom we refer homebuyers who do not already have a signed Buyer Representation Agreement (BRA) with an existing agent. If you already have a signed BRA, please indicate this on your application.

If you are a real estate agent interested in referring your clients to Hanyadamhomes, we encourage you to connect with us to explore how we can collaborate to serve your buyers. It’s important to note that Hanyadamhomes does not collect or pay any referral fees to agents who bring buyers to our program.

All third-party agents involved must agree to adhere to Hanyadamhomes’s policies and guidelines and complete any necessary onboarding procedures. This ensures a seamless buying experience for our co-owners.

When it comes to purchasing and selling the home, as the co-owner residing in the property, it is your responsibility to cover all closing costs. However, there is an exception to this rule regarding Hanyadamhomes’s contribution towards the land transfer tax during the purchase phase. This is significant because land transfer taxes typically make up a significant portion of the closing costs. By having Hanyadamhomes contribute its share of the land transfer tax, co-buyers can allocate more of their hard-earned savings towards the home itself rather than transaction expenses. This makes the financial aspect of co-buying with Hanyadamhomes even more compelling right from the start.

Upon purchasing the property, both you and Hanyadamhomes will be responsible for paying the land transfer tax in proportion to your respective equity interests. For instance, if we have an equal 50-50 equity split in the home, each party would contribute 50% towards the land transfer tax.

Please bear in mind that if you are eligible for the first-time homebuyer land transfer tax rebate, the rebate can only be claimed based on the amount of tax you personally pay, not on the total land transfer tax amount associated with the property.

You have the flexibility to apply for co-buying with Hanyadamhomes at any time. If it appears that we are a suitable match, you will be invited to a discovery call with one of our team members. During this call, you can ask any questions you have about Hanyadamhomes, while we gather more information about you and your home-buying journey.

Following the discovery call, we will connect you with one of our lending partners to obtain a mortgage pre-approval. Your mortgage pre-approval is a crucial factor in determining the amount Hanyadamhomes can contribute towards your home purchase.

Once you have been referred to a lending partner, the timeline for signing a successful offer on a home can vary. It typically takes between 2 to 4 months. The duration depends on factors such as how quickly you receive your mortgage pre-approval and the length of time you spend searching for your ideal home.

No, Hanyadamhomes’s co-sharing model is designed specifically for purchasing primary residences. The homes we co-invest in must be the buyer’s primary residence. While co-owners have the freedom to rent out a portion of the home and retain 100% of the rental income, it is a requirement that the property is the co-owners primary residence.

If you have already successfully made an offer on a home, there is still a possibility that Hanyadamhomes can co-buy the property alongside you.

When you fill out your application, make sure to indicate that you have a signed offer. The application will require you to upload your Agreement of Purchase and Sale and provide details such as the property’s address, purchase price, and closing date.

Once your application is received, our team will carefully review it and contact you to discuss the available options and next steps.

The distribution of funds from the sale of your home follows a specific sequence. Firstly, the proceeds will be utilized to repay any outstanding amounts owed to lenders, followed by settling any closing costs owed to third parties.

Afterwards, the total sum of principal payments you have made towards your mortgage will be returned to you. It’s important to note that an adjustment will be made to this amount to ensure that your portion of the home sale proceeds covers the closing costs, which are your responsibility.

Lastly, the remaining proceeds, which represent the appreciation in the home, will be divided based on our respective equity percentages.

To gain more detailed information about the specific distribution process of home sale proceeds, we encourage you to submit an application and speak directly with a member of our team.

Under our co-ownership agreement, we have a maximum term of 30 years or until you decide to sell the home, whichever occurs first.

If we are approaching the end of our agreed term and you wish to continue residing in the home, Hanyadamhomes offers various options, including the opportunity for you to buy out our ownership share.

However, it’s important to note that our co-sharing model is particularly suited for individuals who intend to sell/refinance within the initial 10 years. This shorter timeframe allows you to enter the real estate market and benefit from investment growth without having to share decades of appreciation with Hanyadamhomes. If your intention is to remain in the home for the long term, it is advisable to consider buying out Hanyadamhomes’s share at your earliest convenience.

In the event that the value of the home depreciates and you still intend to sell, Hanyadamhomes remains committed to being your partner throughout the process. The steps for distributing the sale proceeds remain the same as when selling a home that has appreciated in value.

Initially, any outstanding amounts owed to lenders will be settled, followed by any closing costs owed to third parties. If there are remaining sale proceeds, our goal is to return as much of your mortgage principal payments as possible to you*. Subsequently, any remaining sale proceeds will be shared between you and Hanyadamhomes based on our equity split in the home.

We acknowledge that investing in real estate entails certain risks. Therefore, if the value of the home depreciates, Hanyadamhomes accepts the loss on our investment, and you will not be held responsible for any amount owed to us.

*It’s important to note that an adjustment will be made to ensure that your portion of the home sale proceeds covers the closing costs, which are your responsibility.

Unless you engage in severe breaches of the terms and conditions stated in our Co-sharing Agreement, Hanyadamhomes does not possess the authority to compel you to sell your home. The Co-sharing Agreement clearly defines the circumstances that qualify as significant violations, and these conditions will be thoroughly discussed with you prior to entering into a co-sharing of a home.

Hanyadamhomes’s primary objective is to ensure that our co-owners can enjoy their homes for as long as they desire. In situations where financial difficulties arise, we are fully committed to collaborating with our co-owners to find solutions that mutually benefit and protect all parties involved. Hanyadamhomes has no intention of forcing a homebuyer out of their home, as it is contrary to our interests. However, it is essential for us to establish guidelines that safeguard our investment, just as we have guidelines in place to protect your interests.

During the 30-year co-sharing term, you have the option to make an offer to buy out Hanyadamhomes’s share of the home. However, the acceptance, denial, or negotiation of the offer will depend on the fair market value of the home at the time of the offer, as guided by Hanyadamhomes’s predetermined criteria. These guidelines will be communicated to you well in advance before entering into a co-purchase agreement.

If your intention is to reside in the home for an extended period, we strongly advise you to engage in proper financial planning to ensure that you are prepared to buy out Hanyadamhomes’s share, particularly if the home value appreciates. It is important to understand that co-owning with Hanyadamhomes is more suitable for individuals seeking their starter home rather than a long-term residence.

Certainly! As a co-owner, you have the freedom to sell the home whenever you desire, without any restrictions on the minimum ownership period. Our co-sharing agreement spans a 30-year term, providing you with ample flexibility to determine the optimal timing for selling your home. This allows you to make informed decisions that can maximize your appreciation and share of the proceeds, including the portion shared with Hanyadamhomes.

Have a question or some feedback for our team?

Send us a quick note and we’ll be in touch as soon as we can.