Question 1

What is OursYours?

Accepted Answer

OursYours is a property ownership platform offering two pathways: 'Ours' (collective, debt-free ownership through pooled capital) and 'Yours' (private ownership with platform support). We provide the tools, network, and structure to help Australians access property ownership.

Question 2

Is OursYours a property developer or real estate agent?

Accepted Answer

No. OursYours is a platform that facilitates property ownership. We don't develop properties or act as a real estate agent. We coordinate ownership infrastructure for Owners and provide the tools for collective and private ownership.

Question 3

Who can use OursYours?

Accepted Answer

OursYours is available to Australian residents over 18 years of age. Collective ownership (Ours) requires identification checks. Private ownership (Yours) follows standard lending criteria if you're seeking finance.

Question 4

Is OursYours a managed investment scheme?

Accepted Answer

No. OursYours is property ownership infrastructure. It coordinates people, documents, and workflows around property ownership. It does not manage a pool of capital on behalf of investors, hold discretion over owner funds, or provide financial product advice.

Question 5

How does collective ownership work?

Accepted Answer

In the Ours pathway, multiple Owners pool capital to purchase property through a unit trust structure. Each Owner holds units proportional to their contribution, entitling them to proportional distributions from the trust, subject to property performance.

Question 6

What is the minimum investment in the Ours pathway?

Accepted Answer

The minimum stake in the Ours pathway is 5% of the target property price. On a $1,000,000 property this represents $50,000. No mortgage or serviceability assessment is required.

Question 7

Can I sell my Ours units?

Accepted Answer

Yes. You can list your units on the Resale Board, where other Owners can purchase them. This provides a mechanism for transferring units, subject to buyer availability.

Question 8

Who manages Ours properties?

Accepted Answer

Ours properties are professionally managed. A property manager handles occupier relations, maintenance, and day-to-day operations. Major decisions are made collectively by unit holders.

Question 9

What's different about buying through Yours?

Accepted Answer

Yours gives you access to our professional network (solicitors, brokers, property managers), document management dashboard, and optional co-ownership tools. You maintain full control while benefiting from platform support.

Question 10

Do I need to use your recommended professionals?

Accepted Answer

No. Our professional network is optional. You're free to use your own professionals. However, verified network members understand our platform and can provide streamlined service.

Question 11

Can I co-buy with friends or family through Yours?

Accepted Answer

Yes. Yours supports co-ownership arrangements. You can invite co-owners, structure ownership appropriately, and manage your shared property through your dashboard.

Question 12

Is the OursYours platform free for owners?

Accepted Answer

Yes. The OursYours platform is free for owners and occupiers by design. Revenue comes from the professional network — professionals pay a platform fee. Owners pay professionals their standard market fees directly. No markup.

Question 13

Is this financial advice?

Accepted Answer

No. OursYours does not provide financial, legal, or tax advice. Information on the platform, including the calculator, is for educational purposes only. Always consult qualified professionals before making financial decisions.

Question 14

What are the risks of property ownership?

Accepted Answer

Property ownership carries risks including: property values may fall, rental income may be lower than expected, vacancies, interest rate changes (for mortgaged properties), maintenance costs, and market changes. Past performance is not a reliable indicator of future results.

Question 15

What legal structure is used for Ours?

Accepted Answer

Ours properties are held in a unit trust structure. Each Owner holds units representing their ownership share. The trust is managed by a professional trustee with fiduciary obligations to unit holders.

Question 16

Are my funds protected?

Accepted Answer

Ownership funds are held in trust accounts managed by licensed professionals. However, all property ownership carries risk. The value of your ownership can go down as well as up.

Question 17

Is the Ours pathway compatible with an SMSF?

Accepted Answer

Unit trust ownership of Australian strata property may be compatible with self-managed superannuation funds under ATO guidelines, subject to the fund's rules, investment strategy, and member composition. Always seek independent advice from your SMSF auditor and accountant.

Frequently Asked Questions

About OursYours

Ours Pathway

Yours Pathway

Legal & Financial

Important Disclaimers