How EquitiShare Works

Learn how Equiti Share helps you get your dream home.

Get your Dream Home with EquitiShare

Explore Properties

Start by browsing the selection of properties available through the EquitiShare program. We offer a variety of options to suit different needs and preferences. If you find a property you’re interested in, our friendly sales agents are here to help you find the perfect match.

Check Eligibility

To see if EquitiShare is right for you, complete our quick eligibility check. If it turns out you’re not eligible, don’t worry – there may be other ways we can help you achieve your homeownership goals. Simply contact us here, and we’ll get in touch to explore your options.

Secure Finance

Once you’ve found the right property and confirmed your eligibility, it’s time to arrange your financing. We have an approved lending provider to assist you with your lending requirements for your purchase that we’ll put you in touch with. You will need to meet their lending requirements which includes a credit check and loan servicing assessment.

Move In

Congratulations on reaching this exciting milestone! Once you have your home loan approved, we’ll transfer sole legal ownership of the property to you. It’s now time to collect your keys and move into your new home.

Ready for Your Next Move?

When you decide to sell your property, you will receive your share of the sale proceeds, and EquitiShare will receive its share. Plus, if your property’s value has increased by more than 10%, you keep the extra value!

Frequently Asked Questions

What is EquitiShare?

EquitiShare is dedicated to helping Australians who are unable to afford to acquire a home.

We help:

First home buyers
Essential workers (eg, early childhood educator, teacher, nurse, midwife, paramedic, police officer, etc)
Single parents with a dependent child or children
Survivors of domestic abuse
People experiencing housing instability due to separation, divorce, or other adverse circumstances
People experiencing housing insecurity due to the current state of the housing market (eg. low rental supply, rental stress, high cost of living, etc)

Under the EquitiShare program, Sunrise will sell property from its portfolio, while retaining an interest in the property to make the purchase more affordable for people who qualify.

Who is EquitiShare for?

EquitiShare is specifically designed to give a leg up to Australians in need of a helping hand.

If you fit the following criteria, then we encourage you to apply.

Australian citizens or permanent residents age 18 +
You do not already own property (or won’t by the time you buy a property from Sunrise)
You plan to live in the home that you purchase from Sunrise
You do not have sufficient savings to buy a home without our assistance

You must also be at least one of the following:

A first home buyer
An essential worker (eg, early childhood educator, teacher, nurse, midwife, paramedic, police officer, etc)
A single parent with a dependent child or children
A survivor of domestic abuse
Experiencing housing instability due to separation, divorce, or other adverse circumstances
Experiencing housing insecurity due to the current state of the housing market (eg. low rental supply, rental stress, high cost of living, etc)

To obtain a loan to fund your purchase price, you will also need to satisfy the lender’s criteria which will include a credit-worthiness check.

How does EquitiShare work?

Step one, is to find out whether you are eligible for our EquitiShare program.

If you are eligible, the next step is to choose a property from the Sunrise portfolio. The homes have a capped market value, currently $1 million. Each property is allocated a fixed equity share that Sunrise keeps (up to 20% interest), allowing you to secure finance on the remaining interest (at least 80%) to fund your purchase.

Example (illustrative only):

Property market value: $800,000
Sunrise equity share: 20%
Equity share available to purchase: 80%
Amount you need to pay: $640,000 (plus transaction costs)

We will put you in touch with someone who can help you secure a loan from the program lender, for the amount you need to buy the property. You will need to meet their lending criteria.

Ready to go! Once you have the funds available, we will transfer to you sole legal title. In return you agree to us lodging a second ranking charge on the property title to protect our equity share, pursuant to an EquitiShare Agreement that we will both sign.

It is that easy!

Still have questions?

Our team is always ready to assist you and provide the answers you need. Let’s connect and make sure you’re fully informed before making any decisions.