How loan works
A smarter way to finance your home
01
Get matched with an Investor
We connect you with an investor who will lend you the stake for your home purchase.
02
Sign the loan agreement
Terms, including the investor’s growing share of the property’s value, are defined upfront for complete transparency.
03
Receiving funds
The loan amount is paid directly when you finalize your purchase agreement, making the process seamless and efficient.
Terms and conditions
You don’t pay ongoing interest on the loan. Instead, the investor’s share in your property increases over time. For example:
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Borrow 10% of your home’s value.
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After one year, the investor’s share grows to 11%, then 12% after two years, and so on until the loan is repaid.
Paying back the loan
You choose when to repay the loan, but no later than after 5 years. We will carry out a valuation of the property and set the amount you will pay back to the investor. You can finance this by remortgaging or selling your home. In normal housing market conditions, you may be able to redeem the investor by rescheduling your mortgage after 3-4 years.
Secure your first home
Move into your first home years earlier without the burden of saving for a full down payment.
Upgrade without delay
Move into your first home years earlier without the burden of saving for a full down payment.
Secure your first home
Step into the market now to build equity faster, setting up long-term financial growth.
BENEFITS
Why choose My Rich Aunt?
No interest payments
Save money by avoiding ongoing interest charges typically associated with unsecured loans.
Flexibility in repayment
Choose the repayment method that suits your financial situation — whether it’s remortgaging, savings, or proceeds from a sale.
Early access to the market
Stop waiting and start building equity sooner, even in competitive housing markets.
Protected ownership
Our loans are not secured on your property, ensuring that your home remains yours.
2021 Cash contributions insights
Save for the bet
Visualize your journey to reach your dream home faster.
Savings accounts yield about 3%, bond funds about 5%, and equity funds about 12% per annum
Housing inflation in Stockholm averaged 6% over 20 years but was below 1% in the last three years. In 2024, it returned to 6%.
Calculate your home financing needs
We reccommend that you have at least 5% saved to the downpayment.
This is the amount by which your investment will grow each year as a percentage of the value of the property. This can be between 0.5% and 2% depending on the risk and agreement with the borrowers. Your investment also increases in line with house prices.
Estimate the annual house price inflation for the next 5 years (%)
Average over last 20 years is 5% per year in Stockholm
Housing price breakdown
Your story starts here
Explore the possibilities and see how My Rich Aunt can help you achieve your homeownership dreams.
Investor Name | Investment Horizon (years) | Total Investment Assets (m) | Size of Loan (kr) | Date of adding |
|---|---|---|---|---|
Horizon Equity Partners | 5 | 200 | 50 | 24/01/2025 |
Nordic Capital Ventures | 10 | 500 | 100 | 08/01/2025 |
EFG Ventures | 7 | 300 | 75 | 01/01/2025 |
Silver Arrow Partners | 3 | 150 | 30 | 17/12/2024 |
Golden Gate Capital | 8 | 400 | 90 | 17/12/2024 |