We want affordable, well-maintained houses and secure tenancies.

Houses in a housing commons are owned by the community in perpetuity, ensuring affordability and security of tenure.

Why This Matters

  • Rent and home prices keep rising faster than wages, making it harder for people to afford a stable place to live.
  • Properties are treated as investments, driving prices even higher.
  • There aren’t enough public or cooperative housing options, leaving many people at risk of losing their homes or living in unstable conditions.
  • At the same time, new developments focus on making profits over community needs.

This system deepens inequality and makes housing insecurity worse for millions.

Our Solution

  • A housing commons removes homes from the market forever.
  • Instead of relying on bank loans, properties are purchased without debt, redirecting interest payments away from the banks to community investors and tenants.
  • Over time, rents reduce to a minimal maintenance level as investors are repaid, making housing permanently affordable.
  • This model ensures stable, affordable homes for future generations.

How it works

By removing housing from speculation and eliminating debt-driven costs, we make stable, secure homes a reality. BUT HOW DOES IT ACTUALLY WORK? Explore the sections below to see how we fund, own, and manage homes differently—creating a fairer system that puts people before profit.

What is a Housing Commons?

A housing commons keeps homes in the hands of the community—permanently affordable, secure, and free from speculation. Instead of landlords or banks controlling homes, a housing commons allows the community to own and manage them collectively. Unlike traditional housing that gets more expensive over time, a housing commons ensures homes stay affordable for generations.

How is it different from regular homeownership or renting?

  • Unlike private homeownership, no one can sell the homes for profit.
  • Unlike renting, residents have security—they won’t be evicted for profit-driven reasons.
  • As investments are repaid, rent drops gradually to a low maintenance fee.
How do we buy the homes?

Instead of a mortgage, we raise funds from community investors by selling future rent vouchers.

  • The vouchers are inflation-proof savings tool.
  • What would have been interest payments to the banking sector is shared between investors and tenants.
  • They are sold at a discount to investors.
  • They are bought by tenants in exchange for accommodation.
  • The community investors get around 5% profit. Tenants get a small reduction in rent.
What happens to rent over time?

Rent doesn’t keep increasing—it gets lower.

  • Rent will remain slightly cheaper than the market rate for some years. This covers repaying community investors and maintenance costs.
  • As more houses are put into Housing Commons, the economies of scale will enable rent rebates which will reduce the rent more.
  • Like paying off a mortgage, as investors are repaid, rent reduces to only cover maintenance, making housing permanently affordable.
Can people sell their homes?

No, because homes are meant to stay in the commons forever.

  • No one can flip a home for profit, preventing speculation.
  • If someone moves out, the next resident pays the same fair price, keeping housing affordable.
What’s in it for the investors?

Small-scale investors can put their money in places they care about and help create affordable housing while earning a reasonable return.

  • Instead of banks profiting, investors get repaid over time with a fair return.
  • It acts as a pension alternative that’s safe, local and ethical.
  • Once repaid, the home stays affordable forever, benefiting future residents.
How does this keep communities strong?

A housing commons prevents displacement and keeps people in their neighborhoods.

  • No more evictions due to rising rents or landlords selling properties.
  • Residents have a say over their housing and decisions are made collectively.
  • It circulates the money in communities and stops wealth extraction.
  • Overtime, houses in the Commons will become the most affordable and well maintained houses in the communities.