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Fairnance

The fair way to homeownership

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The fair way to buy a home.

Buy your dream home, 100% debt-free.

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GET STARTED
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Your path to homeownership starts here

If you can rent it, you can buy it

We believe that you should be able to buy the home you can afford to rent.

Your future, on your terms

Customize your monthly installments to pay, pause or sell portions of your home based on your needs.

100% debt- and stress-free

Dynamically accrue home equity over time without needing to take on a risky loan.

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If you can rent it, you can buy it

We believe that you should be able to buy the home you can afford to rent.

Your future, on your terms

Customize your monthly installments to pay, pause or sell portions of your home based on your needs.

100% debt- and stress-free

Dynamically accrue home equity over time without needing to take on a risky loan.

Lower deposits. No debt. More buying power.

The Fairnance Difference

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The Fairnance process

Empowering the new generation of homebuyers by unlocking more choices for every age, religion and lifestyle.

Get Your Budget

The Fairnance process offers more degrees of freedom in qualifying you for financing, with higher budgets and lower deposits to guarantee you finding your dream home.

Buy Your Dream Home and Make It Yours

With your home-buying budget instantly available to you, you can buy your dream home. Put down the portion you can afford today and our funding partner will pay for the rest. The house is yours from day 1 to move in and make it your own.

Pay On Your Own Terms

Adjust your homebuying plan to your lifestyle dynamics with customized monthly installments, equity-pauses and one-off equity buying or selling. The more equity you build the less rent you pay per month.

Sell When You Want

When it’s time to move on, you can sell your home on the market. We will share the proceeds of the home sale fairly according to your and our funding partners’ equity in the house.
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Making homebuying FAIR

Flexible

Flexible payment terms so you spend what you can, when you can, while still building equity.

Accessible

Moving away from classic financing models makes ownership attainable for a new market of buyers.

Inclusive

By the removing barriers of debt, homeownership begins to serve all communities.

Risk-sharing

Our co-ownership model means we share the risk with you as ‘shareholders’ in the home.

Flexible
Flexible payment terms so you spend what you can, when you can, while still building equity.

Accessible
Moving away from classic financing models makes ownership attainable for a new market of buyers.

Inclusive
By the removing barriers of debt, home ownership begins to serve all communities.

Risk-sharing
Our co-ownership model means we share the risk with you as ‘shareholders’ in the home.

The Fairnance approach

We believe home is a right, and we are committed to empowering a new generation of homeowners through the simple but powerful pillars of fairness.

READ OUR MANIFESTO

Activate full ownership and control over your home equity

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Activate full ownership and control over your home equity

Sign up and join our waiting list.

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Full name*
Email*
Date of birth*
Consent*
This field is for validation purposes and should be left unchanged.

AMSTERDAM HQ

Kattenburgerstraat 5,
1018JA Amsterdam, The Netherlands

KSA OFFICE

Abu Bakr al Siddik street,
Ar Rabi, Riyadh 13316, Saudi Arabia

email: hello@fairnance.co

Copyright © 2026 Fairnance | All rights reserved.
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Your path to homeownership starts here

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Welcome to Fairnance

- the platform for ethical and accessible homeownership.

Our mission is to empower those who have been excluded from the housing market by offering a unique, 100% debt-free home financing solution. Founded in December 2021, we envision a world where financial transactions are fair, equitable, and based on the principles of equality and inclusion.

Our innovative approach to home financing centers around equity rather than debt, creating a more sustainable and accessible path to homeownership for those who find traditional mortgages out of reach or undesirable.

The Fairnance 100% debt-free home finance solution is designed with the homebuyer in mind, granting them the flexibility to buy more equity at once, adjust monthly payments, pause equity buying, or sell back equity for cash when needed.

As we look to the future, our focus remains on scaling debt-free home buying in markets where it is most needed, and exploring new opportunities to develop innovative, fair financing solutions for a wider range of applications. Join us at Fairnance as we create a new era of homeownership that is ethical, empowering, and accessible to all.

Amir Saleem, CFA

| Co-founder

Adriaan Brouwer

| Co-founder

Fairnance values

  • Fairness
  • Inclusion
  • Accessibility
  • Compassion
  • Transparency

Amir Saleem, CFA

| Co-founder

Adriaan Brouwer

| Co-founder

Fairnance values

  • Fairness
  • Inclusion
  • Accessibility
  • Compassion
  • Transparency

All-round expertise

  • Legal, tax & regulation
  • Technology
  • Asset management
  • Marketing
  • Risk management

    • All-round expertise

  • Legal, tax & regulation
  • Technology
  • Asset management
  • Marketing
  • Risk management