You can afford a home. Just not all of it at once.
Your rent already covers the cost of a home. It just covers someone else's. Meanwhile, the deposit you need moves further away each year. The problem is not what you can afford each month. It is that the market asks you to buy all of a home, or none of it.
pinyya is the home of Aligned Ownership: the only model where owning and investing pull in the same direction.
You buy part of the home. pinyya funds the rest. You live there as an owner.
Saving for a full deposit takes time. And while you wait, the price of the home you want may keep moving.
A €500,000 home growing at 4% per year would cost around €658,000 in 7 years. That is around €158,000 more for the same home.
With pinyya, you buy the share you can afford today and move in as an owner from day one, rather than waiting until a full mortgage fits.
A €500,000 home growing at 4% per year would cost around €658,000 in 7 years. That is around €158,000 more for the same home.
With pinyya, you buy the share you can afford today and move in as an owner from day one, rather than waiting until a full mortgage fits.
Own a home seven years sooner. Around €158,000 less.
Waiting to buy 100% has a price, and it is paid in years and in rising prices.
Starting with a share you can afford now can bring your move-in date forward by around seven years and reduce what the home costs you by roughly €158,000*.
*Indicative figures based on our modelling. Your outcome depends on the property, your eligibility, and market conditions.
Starting with a share you can afford now can bring your move-in date forward by around seven years and reduce what the home costs you by roughly €158,000*.
*Indicative figures based on our modelling. Your outcome depends on the property, your eligibility, and market conditions.
Check your eligibility
Why we built pinyya
Every homeowner started somewhere. For a growing number of people, that starting line has moved out of reach.
pinyya exists to move it back.
You buy the share you can afford; pinyya fund the rest; the terms are set out before anyone signs.
pinyya exists to move it back.
You buy the share you can afford; pinyya fund the rest; the terms are set out before anyone signs.
Grow with us
Whether you’re buying your first share or funding the future of housing, pinyya helps you grow wealth and impact together.
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Frequently asked questions
Is pinyya regulated as a financial platform?
How does pinyya help people buy homes sooner?
Does pinyya differ from direct Real Estate investing?
What does “Aligned Ownership” actually mean?