Buy your home without needing the full down payment.
A new way to access home ownership by connecting buyers, banks and institutional investors — so the only thing standing between you and your home isn't a number in a savings account.
Free · Takes 2 minutes · No credit check
Ownership structure
€400,000 · Madrid
You 10%
€40,000
Mortgage 80%
€320,000
Investor 10%
€40,000
A bank finances 80% of the home. You put in what you have toward the rest. An institutional investor bridges the gap — and you buy their share back over time.
76%
of European renters under 40 want to own
11 yrs
average time to save a down payment in a major city
€2.1T
institutional appetite for residential real estate
In conversation with banks and institutional investors across Europe
The problem
Millions can afford the mortgage. They can't afford the down payment.
Banks will finance 70–80% of a home. Taxes and fees add another 10%. That leaves a wall of upfront capital that keeps financially capable people renting for a decade — paying someone else's mortgage instead of their own.
The gap isn't affordability. It's €65,000 of upfront capital — and it's the only thing in the way.
How it works
One platform. Three parties. Your home.
Brika coordinates the buyer, the bank and the investor so a purchase that used to be impossible becomes a straightforward transaction.
Check your eligibility
Tell us your income, savings and the home you want. In two minutes you'll know exactly where you stand — and exactly how much capital separates you from the keys.
We assemble the financing
A bank provides the mortgage you already qualify for. An institutional investor covers the down-payment gap in exchange for a share of the home — matched through one platform.
You move in as an owner
You own your share from day one, pay one clear monthly amount, and live in the home as yours — because it is.
You grow your ownership
Buy back the investor's share over time, at a transparent price. Every payment moves you closer to owning 100%.
Why everyone participates
Both sides win.
A marketplace only works if every participant is better off. Here's the same €400,000 Madrid home from both sides of the transaction.
The buyer
€40,000 in savings — 10% of the price — is enough to move in today, instead of the €80,000 a traditional 20% down payment would require.
- Monthly payment with Brika
- ≈ €1,500
- Renting the same home
- ≈ €1,850
A lower monthly cost than renting — and every payment builds equity instead of a landlord's.
The investor
€40,000 buys a 10% stake in the property — a mix of rental-style income and exposure to residential appreciation, with a real family as caretaker.
- Rental income over 8 years
- ≈ €12,800
- Appreciation on their stake
- ≈ €8,700
≈ €21,500 total return on a €40,000 stake over 8 years — roughly 5.5% annualised, illustrative and before fees.
Illustrative example at 2.5% yearly appreciation and a 4% annual rental rate on the investor's stake. Not a real offer or investment product.
The vision
The infrastructure for shared home financing.
Companies that buy homes with their own capital can't scale to a continent. Brika doesn't invest — it connects. Like payment infrastructure did for online commerce, we standardise the rails so every bank and every fund can participate in shared ownership.
Buyers
Financially capable people blocked only by upfront capital.
Banks
Mortgages for qualified borrowers, originated with better data.
Institutional investors
Diversified residential equity exposure, at scale.
Brika — one integration, every market
Eligibility, matching, contracts and equity accounting on shared rails.
FAQ
Fair questions, straight answers.
Early access
Be first when Brika opens in your city.
We're launching city by city with partner banks and investors. Join the waitlist and we'll tell you the moment your city goes live.