How it
works.

How it
works.

You become an Owner-Resident.

It starts at $10K.

To become a co-owner with Key, the initial home equity investment starts from 2.5% of the value of your suite depending on the building, which will be around $15k for many.

As an Owner-Resident, you get to live in your own beautiful suite at a sought-after central location, where commuting to work is for someone else.

Since it only takes a fraction of the typical down payment, you can start building home equity many years sooner.

Plus, for every $1 invested, Owner-Residents get another $1 in leverage so you can build more home equity, faster. We call this Key’s Co-financing Benefit. Unlike a mortgage, Owner-Residents enjoy the benefit of leverage without taking on the debt. The only cost for this benefit is a small interest charge.

Homeownership-On-Demand.

Enjoy the benefits of Homeownership-On-Demand. Select the suite you want to co-own from our premiere portfolio, without having to be locked into a 25-year mortgage. Plus, after your first year, you can move at any time with 75 days' notice.

Homeownership-as-a-Service.

Enjoy our Homeownership-as-a-Service offering. Our proprietary Key dashboard means managing the lights and heat in your suite, reserving a housecleaner, booking a ride and accessing your home equity is at your fingertips. We call it homeownership-as-a-service. Visit our frequently asked questions for more information.

How Key helps you build real estate equity easily.

Lauren is an aspiring first-time home owner. She works in advertising in downtown Toronto and is sick of commuting from Oshawa.

If she contributes $15,000* to live in a Key suite on King West, she’ll pay roughly $2050* as her monthly payment*. $50 of her monthly payment will go towards growing Lauren's equity. The rest pays maintenance, taxes and residency costs.

By opting into our Co-financing benefit, Lauren’s investment is leveraged up by $15,000, so her effective co-ownership interest is $30,000.

After one year, she receives an unexpected $15,000 gift from her grandmother. Lauren decides to put the full amount in her suite, increasing her home equity. Once again, Key matches it with $15,000 for the Co-financing benefit.

Based on how the Toronto real estate market has performed over the last 5 years, Lauren’s real estate equity will appreciate by 30% over the next half decade. Which means by 2025 her total real estate equity ($15k +$15k + $3k) will be worth over $50,000*. With Key’s Co-financing Benefit contributing almost $10,000.

In addition, because she contributed more, she will have reduced her monthly residency fees.

When she is ready to move out, Lauren will simply give Key 75 days' notice and she will receive her home equity plus any appreciation (based on the current value of her suite). As with all homeownership, Lauren is taking on the risk of her real estate depreciating. With Key she'll also save the 6% costs typically associated with buying and selling real estate.

*Actual numbers based on market value of real estate at the time.

We begin by partnering with property owners and investors to secure suites in premiere buildings.

Stylish. Modern. Spacious.

At the centre of urban living. Then we give people like you who want to live in these highly desirable suites the opportunity to own with us.

Our suites come in a range of sizes - from one bedroom up to two bedrooms plus den - and they're located in five premiere buildings and neighbourhoods in Toronto. We have welcomed 42 Owner-Residents to Key so far.

So, how is owning without a mortgage even possible?

Our Owner-Residents aren't the only people contributing to Key. We partner with institutional investors, property owners, and investors who embrace Key’s model and provide suites. They do not live in Key suites, but they do share in the equity growth alongside Owner-Residents, which makes the lower entry point (starting at 2.5% of the suite's value) possible. Our Owner-Residents have a contract with Key and co-own the suite with our investors or property owners.

Learn more about Homeownership-On-Demand.

What Key's first owner-residents are saying