{"id":248321,"date":"2025-04-22T14:10:52","date_gmt":"2025-04-22T18:10:52","guid":{"rendered":"https:\/\/prepareforcanada.com\/?p=248321"},"modified":"2025-10-29T16:45:17","modified_gmt":"2025-10-29T20:45:17","slug":"home-co-ownership-solution-for-newcomers","status":"publish","type":"post","link":"https:\/\/prepareforcanada.com\/blog\/housing\/homeownership-pathway\/home-co-ownership-solution-for-newcomers","title":{"rendered":"Is Home Co-ownership a Solution for Newcomers to Canada?"},"content":{"rendered":"\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<p>Co-ownership is a creative and increasingly popular home-buying solution for newcomers to Canada. Many immigrants are eager to buy a home in Canada, but can&#8217;t afford the financial costs alone. Co-ownership allows newcomers to combine resources, share costs, and enjoy the benefits of owning property in expensive cities like Toronto and Vancouver. Discover how shared ownership works and what to consider!<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Becoming a homeowner is a goal for many immigrants to Canada. However, the high cost of down payments and\u00a0mortgage\u00a0financing forces many newcomers to put their dreams on hold for years. High home costs may also force newcomers to make a costly secondary move to more affordable cities.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Saving for a large mortgage payment is one of the biggest challenges for newcomers. Home prices in the most popular cities in Canada remain high and out of reach of many Millennial and Gen Z immigrants.&nbsp;<\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/prepareforcanada.com\/wp-content\/uploads\/2025\/04\/Is-Home-Co-Ownership-a-Solution-for-Newcomers-Image-1.jpg\" alt=\"A &quot;House for Sale&quot; sign stands in front of the exterior of a home. Shared ownership makes buying a home in Canada a realistic goal for newcomers. \" class=\"wp-image-249109\" style=\"width:626px\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/22130840\/Is-Home-Co-Ownership-a-Solution-for-Newcomers-Image-1.jpg 900w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/22130840\/Is-Home-Co-Ownership-a-Solution-for-Newcomers-Image-1-300x200.jpg 300w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/22130840\/Is-Home-Co-Ownership-a-Solution-for-Newcomers-Image-1-768x512.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-home-co-ownership\">What is Home Co-ownership?<\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Co-ownership is a strategic home-buying solution and a direct path to real estate investment. It&#8217;s ideal for newcomers who may be priced out of the market even after living in Canada for years.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Historically, co-ownership involves friends, family members, or investors pooling their resources to buy a home to share. They own a property jointly, with each owning a percentage.<\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 25px; padding-bottom: 25px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<p>A homeownership deal is a legal and financial partnership where the co-owners share costs, responsibilities, and benefits. Deciding to renovate or sell the property typically requires the agreement of all co-owners.&nbsp;<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>A recent <a href=\"https:\/\/blog.remax.ca\/canadian-housing-market-alternative-ownership-trends\/\">Leger survey for RE\/MAX<\/a> Canada found that 50% of Canadians would consider alternative home-buying solutions. The survey found that 21% would consider co-ownership.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>A 2023 <a href=\"https:\/\/www.royallepage.ca\/en\/realestate\/news\/canadians-buying-homes-with-family-friends-to-combat-housing-affordability-woes\/\">Royal LePage survey<\/a> showed that:<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list has-cyan-bluish-gray-background-color has-background\">\n<li>6% of Canadian homeowners co-own their home with someone other than their spouse or significant other. <\/li>\n\n\n\n<li>89% of this group co-own with family members and 7% with friends.<\/li>\n\n\n\n<li>76% of co-owners listed affordability as their motivation. That figure jumped to 83% among those aged 25 to 34 (Millenials and Gen Z).<\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Co-ownership involves careful planning, good communication, and legal safeguards to provide a healthy partnership. According to industry experts, following this recipe leads to successful co-ownership.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/prepareforcanada.com\/wp-content\/uploads\/2025\/04\/Is-Home-Co-Ownership-a-Solution-for-Newcomers-Image-2-1.jpg\" alt=\"Stacked coins with a calculator, clock, and small wooden home are placed on a table to convey homeownership factors. \" class=\"wp-image-249117\" style=\"width:625px\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/22132706\/Is-Home-Co-Ownership-a-Solution-for-Newcomers-Image-2-1.jpg 900w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/22132706\/Is-Home-Co-Ownership-a-Solution-for-Newcomers-Image-2-1-300x200.jpg 300w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/22132706\/Is-Home-Co-Ownership-a-Solution-for-Newcomers-Image-2-1-768x512.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-down-payment-costs-in-canada\">Down Payment Costs in Canada<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Saving for a large down payment remains the number one challenge for newcomers looking to buy a home. For example, homes priced at $500,000 or less in Ontario require a minimum down payment of 5%. So, if you\u2019re buying a house for $400,000, the minimum down payment would be $20,000 (5% of $400,000).<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>HOME PRICE<\/th><th>MINIMUM DOWN PAYMENT REQUIRED<\/th><\/tr><\/thead><tbody><tr><td>$500,000 or less<\/td><td>5%<\/td><\/tr><tr><td>$500,000 &#8211; $1 million<\/td><td>5% of the first $500,000 + 10% of the remaining balance<\/td><\/tr><tr><td>$1 million or more<\/td><td>20%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>For Ontario homes between $500,000 and $1 million, the minimum down payment is 5% of the first $500,000 plus 10% of the remaining balance. So, if you buy an $800,000 home, the minimum down payment is $55,000 (5% of $500,000 plus 10% of $300,000).<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>For homes more than $1 million, you&#8217;ll need a 20% down payment. &nbsp;So, if you buy a $1.5 million home, the minimum down payment would be $300,000 (20% of $1.5 million).<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>It&#8217;s easy to see how co-ownership makes it easier and faster to create a down payment.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Before deciding if co-ownership is right for you, it\u2019s important to understand the broader question many newcomers face: should you <strong>rent or buy a home in Canada<\/strong>? Exploring both options can help you decide if homeownership, shared or individual, aligns with your financial situation and long-term goals. Learn more in our guide: <strong><a href=\"https:\/\/prepareforcanada.com\/housing\/homeownership-pathway\/rent-or-buy-a-home-in-canada\">Rent or Buy a Home in Canada? A Guide for Newcomers<\/a><\/strong>.<\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"rounded-btn border-b-2 border-light-grey bg-off-white lg:grid lg:grid-cols-3 gap-2\">\n    <article class=\"lg:col-span-2 flex flex-col gap-4 p-6 lg:p-12\">\n        <h3 class=\"text-2xl\">Home Ownership for Newcomers in Canada<\/h3>\n        <p>Join us for an insightful webinar designed to help you navigate the various routes to owning a home in Canada. Whether you&#8217;re looking to buy your first home through a traditional mortgage, exploring co-ownership opportunities, or interested in rent-to-own solutions, this webinar will provide the information and tools you need to make informed decisions.<\/p>\n                    <a class=\"flex flex-row w-fit gap-2 rounded-btn btn-secondary p-5 transition ease-in-out text-lg font-bold\"\n               href=\"https:\/\/prepareforcanada.com\/webinars\/buying-a-home-as-a-newcomer\">REGISTER FOR THE WEBINAR                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\">\n                    <path\n                        d=\"M13.1752 20.175L14.8248 21.8247L22.6497 13.9999L14.8248 6.17505L13.1752 7.82472L18.1837 12.8332H7V15.1665H18.1837L13.1752 20.175Z\"\n                        fill=\"white\"\/>\n                <\/svg>\n            <\/a>\n            <\/article>\n    <div class=\"relative lg:col-span-1\">\n                    <video src=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/01\/18123712\/Buying_a_home_webinar_for_newcomers.mp4\" autoplay loop playsinline muted\n                   class=\"absolute inset-0 h-full w-full object-cover rounded-3xl\"><\/video>\n            <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 25px; padding-bottom: 25px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-co-ownership-in-canada\"><strong>Understanding Co-Ownership in Canada<\/strong><\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Co-ownership in Canada is usually structured in two ways:<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>1.<\/strong> <strong>Joint Tenancy:<\/strong> Each owner holds an equal share of the property with the right of survivorship. That means if one owner dies, their share passes automatically to the remaining co-owners. <\/li>\n<\/ol>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>2. Tenants in Common: <\/strong>Owners can hold unequal shares. They bequeath their share to a beneficiary of their choice instead of automatically transferring to other co-owners.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/prepareforcanada.com\/wp-content\/uploads\/2025\/04\/Co-ownership-April-2.png\" alt=\"A couple review a co-ownership document while a man seated across from them points out key parts in the document. \" class=\"wp-image-248678\" style=\"width:625px\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/14234221\/Co-ownership-April-2.png 900w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/14234221\/Co-ownership-April-2-300x200.png 300w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/14234221\/Co-ownership-April-2-768x512.png 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading\" id=\"h-know-the-pros-and-cons\">Know the Pros and Cons<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>PROS<\/th><th>CONS<\/th><\/tr><\/thead><tbody><tr><td><strong>Sharing Costs: <\/strong>Co-ownership allows investors to share costs from down payments to mortgage payments,   maintenance, and property taxes.<br><br><strong>Affording Better Properties:<\/strong> Co-ownership creates financial power to buy homes in desirable locations or those with more amenities. <\/td><td><strong>Exiting Co-ownership:<\/strong>&nbsp;Selling a property under co-ownership can be more complex because every owner must agree on major decisions.<br><br><strong>Resolving Disputes:<\/strong>&nbsp;Differences in personal finances or goals can create conflicts among co-owners.<br><br><\/td><\/tr><\/tbody><\/table><\/figure>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<p>Before you enter a co-ownership agreement, these are vital financial and legal steps to consider:<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Clarify each party&#8217;s contribution towards the down payment, mortgage payments, and ongoing expenses.<\/li>\n\n\n\n<li>Decide who manages day-to-day operations and how to divide duties<\/li>\n\n\n\n<li>Include buyout clauses and procedures for the party wanting to sell their share<\/li>\n\n\n\n<li>Create a way to resolve disputes<\/li>\n\n\n\n<li>Obtain legal advice when entering a co-ownership agreement. <\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n    <section id=\"\" class=\"\">\n        <iframe class=\"w-full mx-auto aspect-video\" style=\"max-width: px;\" src=\"https:\/\/www.youtube.com\/embed\/vAkzHAWSkkc\" loading=\"lazy\"><\/iframe>\n    <\/section>\n\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 30px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading\" id=\"h-co-ownership-with-an-investment-company\">Co-ownership with an Investment Company<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>In addition to co-owning a home with a family member or friend, companies such as Ourboro offer newcomers a path to homeownership.&nbsp;<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Co-investment companies invest in the property with homebuyers and reduce the need for a large down payment. <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>A recent survey of Ourboro co-owners&nbsp;found that 56% identify as racialized populations&nbsp;and 47% were born outside Canada. <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u201cBuying your first home can be intimidating on a good day, let alone trying to navigate the current market conditions or explore financing options,\u201d Nick Pope, Ourboro\u2019s co-founder, told Prepare for Canada. <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u201cIt\u2019s an emotional journey,&#8221; said Pope. &#8220;Having a professional co-ownership partner can make a big difference; taking the anxiety out of the process by having a dedicated person guide them.&#8221;<\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-transparent \" style=\" padding-top: 0px; padding-bottom: 30px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h3 class=\"wp-block-heading\" id=\"h-investment-firm-faces-the-same-co-own-risks\">Investment Firm Faces the Same Co-Own Risks<\/h3>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>An investment firm&#8217;s down payment contribution in co-ownership is an investment, not debt. The company, just like the homeowner, risks losing its investment if the home sells for less than the purchase price.&nbsp;<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Using Ourboro as an example, if you co-buy a $1,000,000 home with them to meet the 20% down payment requirement, the combined co-investment must be $200,000. The homeowner&#8217;s mortgage&nbsp;would then make up the remaining $800,000 (80% of the home\u2019s value).&nbsp;<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>If the newcomer homebuyer invests $80,000 (8% of the home value) and Ourboro invests $120,000 (12%), together you have a co-investment of $200,000 (20%).<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"600\" src=\"https:\/\/prepareforcanada.com\/wp-content\/uploads\/2025\/04\/Co-ownership-April-3.png\" alt=\"A person on the left drops house keys it is holding in their left hand into the outstretched palm of another person. \" class=\"wp-image-248679\" style=\"width:625px\" srcset=\"https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/14234305\/Co-ownership-April-3.png 900w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/14234305\/Co-ownership-April-3-300x200.png 300w, https:\/\/2024-rd-staging.nyc3.cdn.digitaloceanspaces.com\/2024-prepare-for-canada\/2025\/04\/14234305\/Co-ownership-April-3-768x512.png 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>As Ourboro points out, co-investment is a short-term home-buying solution that makes homeownership more accessible. It also offers long-term benefits through shared appreciation. As the property\u2019s value increases, the homebuyer and Ourboro share the gains, creating a mutually beneficial arrangement to build wealth. <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>\u201cWe have such rigid expectations on what owning a home needs to look or feel like,&#8221; says Alex Kjorven, Ourboro\u2019s Chief Product Officer. &#8220;But for many first-time homebuyers that don\u2019t have access to generational wealth, it may not make sense to put all your savings into a home.\u201d <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u201cWe\u2019re excited to challenge existing norms and make co-buying a no-brainer for folks who understand that it doesn\u2019t have to be all or nothing.\u201d&nbsp;<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Whether you partner with family or friends or an investment firm like Ourboro, co-ownership can be a smart path to homeownership.&nbsp;This is particularly true in expensive cities like <a href=\"https:\/\/prepareforcanada.com\/living\/choosing-a-city\/living-in-toronto-ontario\">Toronto<\/a> and <a href=\"https:\/\/prepareforcanada.com\/living\/living-in-vancouver-british-columbia\">Vancouver<\/a>, where newcomers can be priced out of the housing market. <\/p>\n\n<\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"\" class=\"bg-off-white \" style=\" padding-top: 0px; padding-bottom: 0px;\">\n        <div class=\"container relative z-10\">\n        <div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\" id=\"h-co-ownership-action-plan-for-newcomers\">Co-ownership Action Plan for Newcomers<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Learn about real estate concepts such as mortgages, down payments, and closing costs.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/ourboro.com\/press-release-jan-18\/\">Research leaders in the home co-ownership <\/a>sector, like Ourboro.<\/p>\n\n\n\n<p>Understand the pros and cons of shared ownership with an investment company.<\/p>\n\n\n\n<p>Ask the right questions to determine if co-ownership is for you.<\/p>\n\n\n\n<p>Have a legal exit strategy and plan to resolve disputes.<\/p>\n\n<\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":20,"featured_media":249105,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[575],"tags":[344],"class_list":["post-248321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeownership-pathway","tag-co-own-a-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Is Home Co-ownership a Solution for Newcomers to Canada?<\/title>\n<meta name=\"description\" content=\"Home co-ownership is a creative solution for newcomers eager to enter Canada&#039;s housing market. 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