One platform · two ways to own
Ours and Yours are not separate products. They are two ways to structure ownership of a property on the same permanent OY-ID record, with the same documents, tasks, professionals, permissions and history behind it.
The essential difference
Ours
Own a defined stake, together.
A group collectively acquires one strata property without a mortgage. The property is held in a unit trust divided into 20 units of 5% each. Holders own their units outright, share property income in proportion to their holding and make material decisions together.
5%
minimum unit
$0
property mortgage
Yours
Own the property, your way.
You bring a property you own or are acquiring and keep the ownership arrangement you choose — sole, joint, company, trust or SMSF. Finance is optional. You choose the people and make decisions under your legal structure; OursYours keeps the work connected to one record.
Any
lawful structure
Your call
on finance
The shared foundation
The pathway changes the ownership structure. It does not create a second platform, a separate history or a different standard of recordkeeping.
The property keeps one record through every owner, structure and provider.
Contracts, leases, reports and statements stay attached to the property.
Regulated actions are recorded in a tamper-evident event trail.
People see and do only what their capacity on that property permits.
Tasks, approvals and messages connect everyone to the same record.
AU financial-year reporting traces figures back to their source entries.
Side by side
What do you own?
Units in a trust that owns one identified property.
The property through the personal or entity structure you choose.
How much can you own?
From 5%, in 5% units. Ownership caps apply to preserve collective governance.
Any lawful ownership share agreed between the owners.
Who owns alongside you?
Other holders in the same property-specific unit trust.
You alone, or the people and entities you choose.
Can the property have debt?
No. The property is acquired without a mortgage.
Yes or no. Cash, mortgage and private arrangements remain your decision.
What do you own?
Ours
Units in a trust that owns one identified property.
Yours
The property through the personal or entity structure you choose.
How much can you own?
Ours
From 5%, in 5% units. Ownership caps apply to preserve collective governance.
Yours
Any lawful ownership share agreed between the owners.
Who owns alongside you?
Ours
Other holders in the same property-specific unit trust.
Yours
You alone, or the people and entities you choose.
Can the property have debt?
Ours
No. The property is acquired without a mortgage.
Yours
Yes or no. Cash, mortgage and private arrangements remain your decision.
Who makes material decisions?
Holders decide together through recorded votes and resolutions.
The legal owners decide under their chosen structure and authorities.
Who coordinates the property?
The platform coordinates the trust, professionals, tasks and operating record.
You choose the professionals; the platform coordinates their work around the record.
How is access controlled?
Each person receives a defined capacity on that property only.
Each person receives a defined capacity on that property only.
Can authority be delegated?
Yes — with specific permissions, limits, expiry and an audit trail.
Yes — with specific permissions, limits, expiry and an audit trail.
Who makes material decisions?
Ours
Holders decide together through recorded votes and resolutions.
Yours
The legal owners decide under their chosen structure and authorities.
Who coordinates the property?
Ours
The platform coordinates the trust, professionals, tasks and operating record.
Yours
You choose the professionals; the platform coordinates their work around the record.
How is access controlled?
Ours
Each person receives a defined capacity on that property only.
Yours
Each person receives a defined capacity on that property only.
Can authority be delegated?
Ours
Yes — with specific permissions, limits, expiry and an audit trail.
Yours
Yes — with specific permissions, limits, expiry and an audit trail.
How are financials recorded?
Property income, outgoings and holder distributions flow through the property ledger.
Income, outgoings and mortgage interest flow through the property ledger.
How do you exit?
Transfer your units through the ordered holder-first resale sequence.
Sell or transfer the property or ownership interest through your chosen advisers and agent.
What happens to the history?
It remains with the permanent OY-ID record.
It remains with the permanent OY-ID record.
What does the platform cost owners?
The platform is free for owners and occupiers; engaged professionals charge their own fees.
The platform is free for owners and occupiers; engaged professionals charge their own fees.
How are financials recorded?
Ours
Property income, outgoings and holder distributions flow through the property ledger.
Yours
Income, outgoings and mortgage interest flow through the property ledger.
How do you exit?
Ours
Transfer your units through the ordered holder-first resale sequence.
Yours
Sell or transfer the property or ownership interest through your chosen advisers and agent.
What happens to the history?
Ours
It remains with the permanent OY-ID record.
Yours
It remains with the permanent OY-ID record.
What does the platform cost owners?
Ours
The platform is free for owners and occupiers; engaged professionals charge their own fees.
Yours
The platform is free for owners and occupiers; engaged professionals charge their own fees.
A practical guide
This is a description of how the pathways work, not a recommendation. Your structure should be considered with independent legal, tax and financial advice.
Ours
Yours
From intake to exit
Both pathways move through intake, funding, settlement, operating, resale and exit on the Ownership Record. Ours coordinates collective funding and a sequenced unit resale. Yours records privately arranged finance and a conventional property or interest transfer.
Intake
Funding
Settlement
Operating
Resale
Exit
The next step
Read the full pathway detail, or use the calculator to explore assumptions side by side. Calculations are educational modelling only and are not a forecast or recommendation.
General information only. OursYours does not provide financial, legal, tax or investment advice, arrange credit, act as a property agent or property manager, or hold client money. Seek independent professional advice before making an ownership decision.