The Anyone
mortgage
We believe that owning a home is a fundamental right, not a privilege. Yet, for many, the dream of having a place to call their own remains out of reach. That’s why we’ve been developing a groundbreaking mortgage model—designed to help millions worldwide become first-time homeowners.
A win-win
for everyone
Everyone benefits from the model making it viable to be implemented in the near future. Anyone has created the model, it’s now time for the industry to implement it.
Mortgage providers
Co-invest with buyers, owning max 49% of the property
Inflation protection mechanism for allocated funds
Gain from long-term property value growth
Win
Buyers
Own a minimum of 51% of the property and have options to own more
Lower monthly expense while living in a greater home
Lock in home-ownership NOW at an affordable price point
Progressive ownership
expansion
Home owners can gradually increase their stake in the property over time. As their financial situation improves, they have the option to purchase a larger share, reducing the stake of the mortgage provider. This flexible approach balances long-term security with growth potential for both mortgage providers and the homeowners.
51%
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100%
Own 51%, live 100%
The Anyone Mortgage lets you finance just 51% of your home, with the lender retaining the remaining 49%.
This approach reduces upfront costs and income requirements, giving you full freedom to live, customize, and create your future in your home
In the works
The Anyone mortgage model in a nutshell
Asking price
€550,000
Ownership
Monthly cost
€1,535
Backed by experts,
built for impact
We’ve spent over two years collaborating with leading economists and researchers to model the macroeconomic impact of the Anyone Mortgage. The results? A solution proven to be both financially profitable for mortgage providers and economically positive, creating healthier housing markets while expanding homeownership opportunities.
Emanuel van Praag
Professor of Financial Technology and Law
Are you a mortgage provider or pension fund ready to make an impact?
We understand this is a bold shift from traditional mortgage models. That’s why we’ve created a comprehensive blueprint that dives deeper into the numbers, the research, and how this model works in practice. Fill out the form to explore the finer details and discover how the Anyone Mortgage can benefit both your business and the market.
Request our Anyone Mortgage blueprint to get started