What is Micro Equity?

Micro Equity is a groundbreaking solution providing stable, long-term homes for homeless families. Residents have the opportunity to gradually purchase their home using spare income, buying shares one-by-one until they reach full ownership.

How it works:

Community Shares: We issue Community Shares to raise capital to purchase quality homes, which are rented to families in need. Investors can receive returns of up to 3% per year.
Support Network: We partner with local community groups to provide support networks helping families settle into their new homes and integrate into the community.
Home Shares: Residents can gradually build ownership by purchasing shares in their home, one at a time.
Reward Points: 10% of rent is set aside in a repair fund. If tenants take good care of their home, any unused balance is converted into Reward Points, contributing toward home ownership.
Gift Points: Friends and family can purchase Gift Points for the residents, accelerating their journey to home ownership.

The Project Manager collaborates with a local Housing Support Agency to determine the type, location, and number of housing units required.
The Project Manager establishes the project on MicroEquity.org and promotes the share offering to potential investors.
Investors purchase Community Shares via the website, providing the capital needed for the project.
Funds from Community Share sales are used to purchase suitable properties.
The Project Manager oversees the acquisition of appropriate properties.
The Housing Support Agency identifies and refers suitable tenants for the property.
The Project Manager assists the tenant in setting up an account with a Financial Advisor.
The Project Manager helps the tenant establish a tenancy agreement through a Letting Agent.
The tenant signs the lease, pays a suitable deposit, and begins paying rent.

The tenant moves into the property with the support of a local Community Support Group.
The Community Support Group helps the tenant settle into their new home.
A percentage of the rent is allocated to a sinking fund for future maintenance and upgrades.
The Letting Agent manages repairs and maintenance.
Surplus funds from the sinking fund are converted into Reward Points for the tenant.
Tenants can purchase shares in their home incrementally, using spare cash to build ownership.
Friends and family can support tenants by purchasing Gift Points, helping them increase their ownership.
Project Manager maintains regular communication with tenants to offer ongoing support and assistance.
If a tenant needs to relocate, they can redeem their shares or request the Land Trust to purchase a property in their new location and transfer their shares to the new property.

Homes for Kids – London