Use the Affordability Calculator See how pinyya works

Start owning with just a 5% down payment

Live in the home while you grow your ownership over time

Clear fees, clear ownership, clear next steps

Stop renting forever. Start owning with the savings you already have.

If you’ve worked hard, saved what you can, and home ownership still feels out of reach, you’re not the problem. The system is. pinyya helps you buy the share of a home you can afford now, live in it, and grow your ownership over time.

Use the Affordability Calculator See how pinyya works

Start with a smaller down payment than a bank would expect

Live in the home while you grow your ownership over time.

Clear fees, clear ownership, clear next steps.

Transparent fees

Regulated ownership structure

Built for real people

You're not failing. The down payment is.

Saving for a deposit is a race against the price of the thing you're saving for. Almost nobody wins it.

pinyya is for people who can afford a home, just not all of it at once.

You earn enough to run a home. You just don't have the lump sum a bank asks for.

Your income is freelance, founder, or otherwise inconvenient for a mortgage form.

And you're tired of paying someone else's mortgage every month and owning nothing at the end of it.

Step 1: Choose your home

Find a home you want to live in and run it through our affordability checker to see what you could own today.

Step 2: Buy your first share

Your savings buy a share now, instead of waiting years to fund the whole property. Investors cover the rest.

Step 3: Move in and make it yours

You pay the cost linked to the share you own, plus a fair amount for the share you don't own yet.

Step 4: Grow, pause, or exit

Buy more when you can, hold when you can't, or sell under rules agreed upfront.

Own what you can. Rent the rest. Grow over time.

You buy the share you can afford today. Investors fund the rest through a regulated structure. You increase your ownership when it suits you.

Waiting is the expensive option.

Saving for a full deposit is a race against the price of the house you're saving for. Meanwhile the rent goes out every month and none of it comes back.

Perfect conditions may never come. A smaller share is available now.

Rent keeps leaving your account either way.

Property prices may continue moving while you wait.

Starting earlier means part of your monthly payment can begin building your equity.

No hidden fees. No mystery maths

Your costs are split into clear parts

Upfront

You bring a smaller down payment to buy your first share, rather than the full amount a bank would usually expect for financing 100% of the property.

There is also a one-time setup fee to cover structuring and documentation.

Your monthly cost combines:

The cost linked to the share you already own.
A fair, market-based rent for the share you do not yet own.
A small management fee, currently modelled at around €25 per month per project.

The goal is that your monthly cost feels comparable to paying rent for a similar home, with one major difference: part of what you pay is building your own equity.

See what you could start owning today

If you already have some savings, the most useful next step is not more reading. It is getting your number. Use the calculator to see what may be possible now, then decide whether you want to speak to the team.

Get my affordability result Find a time for a consultation

Smaller starting down payment

Clear ownership and fees

Flexible path to grow over time

Think you can’t afford to buy in Vienna? Think Again.