Menu
Applying for your home journey.
Step Into Your Dream Home with Confidence – Your Journey to Ethical, Fair, and Flexible Home Ownership Begins Now. We’re Here to Guide You Every Step of the Way!
Partner in it together
The Dinarly Home Provision operates as a co-ownership agreement, establishing a true partnership. Together, we prioritize flexibility and genuine risk sharing in this collaboration.
Join the list
By registering a account, we’ll automatically add you to the public list for home finance. Recommended 10% initial equity contribution from you.
What happens when it's my turn
When it’s your turn, we’ll let you know by sending you an email notification. We’ll ask a few questions, confirm your finance requirements and get you started by providing a Decision in Principle (DIP).
We might carry out a few basic checks before presenting you with a DIP but once you have this, it’s time to go house hunting.
Tip-Tap-Toe, find a home to go
We know finding your perfect home can take some time so you can take as long as you need – if you need longer than 2 months, we’ll serve the next customer on the waiting list until you’re ready.
This doesn’t mean you lose your turn though – we’re just waiting for you to get back to us! Once you’ve found that perfect home though, make an offer aligned to your DIP. As soon as it’s accepted, let us know and we can really get started.
Full property application
You’re almost there! Once you’ve completed your full property application, we’ll provide you with a detailed illustration of the expected costs, including stamp duty, registration charges, and other applicable fees. At this stage, we also begin the necessary due diligence to ensure everything is in order.
Our due diligence process includes:
•Title verification: Ensuring the property has a clear and marketable title.
•KYC and credit checks: Verifying your identification and financial eligibility.
•Affordability checks: Assessing your ability to make regular payments.
•Property survey and valuation: Confirming the property’s condition and market value.
•Conveyancing: Managing the legal transfer of property ownership.
This stage may take anywhere from 1 to 3 months, depending on factors like property location, documentation, and coordination with external parties such as government offices, property valuers, and lawyers.
You’ll also need to hire a property lawyer or advocate at this stage to handle legal documentation, verify the property title, and assist with the registration process.
Once the due diligence is complete, you’ll transfer your initial equity contribution, and a completion date will be set. With everything in place, you’ll be ready to receive the keys to your new home!
We are here to help
As your trusted partner in property, we are committed to supporting you throughout your homeownership journey. Should you have any questions or require assistance, feel free to reach out to us at any time. You can easily contact us by filling out our online form or scheduling a call with a member of the our team, who will be happy to assist you.
Get ahead with Us.
Here are some reasons our home finance stands out:
Debt-free
Since you are under no obligation to purchase our share of the property from us this means there is no debt. This also means no early or late repayment fees ever for not purchasing equity.
Not pegged to interest
The rent we charge does not relate to macroeconomic indicators such as interest rates. Instead, it is determined by a number of factors including the local rental market, with annual rent reviews capped to reduce uncertainty.
Affordability
Since we sell you the property at the original purchase price, and not at the current market value, and provide rental discounts (unlike other shared ownership schemes), we do our best to make sure it remains affordable for you.
True risk sharing
In case of a loss, or shortfall upon sale, proceeds are split according to respective partnership share. In comparison, traditionally, a bank has the first call on proceeds and the homebuyer may end up with nothing upon foreclosure.
Ultimate flexibility
We’ve tailored our tech to give you control over managing your Dinarly home journey through your account dashboard. You can change your target equity payment when you need to or opt to pay rent only in any given month.
Your equity, your choice
Our product reduces the risk of foreclosure by introducing an equity buffer. This allows you to pay us in equity if you cannot afford your rent. You can then purchase it back again once you are able to, in your own time.