Co-own real property.
No fund. No fees in cash.

The six steps

1. 01

   Browse open raises

   Explore properties currently seeking co-owners. Each listing shows the total raise target, how much has been committed so far, and what equity stake your contribution would represent.

2. 02

   Commit an amount

   Enter the amount you want to commit in Nigerian naira (NGN). No money moves at this stage — a commitment is a non-binding expression of intent. You can join a connection group with others to pool your ranking power.

3. 03

   Verify your identity

   Upload a government-issued ID (passport, driver's licence, or national ID card) plus a proof of address. Our team reviews every document manually — no automated checks. Reviews are completed within 3 business days.

4. 04

   Allocation is confirmed

   Once the raise closes, Own2gether runs the allocation algorithm. Commitments are ranked largest-first. You receive written confirmation of your exact equity stake and the precise amount due — which may differ from your original commitment if the pool is oversubscribed.

5. 05

   Transfer payment

   You have 10 days from allocation confirmation to complete a bank transfer directly to the seller's account. Payment details arrive by email. No card payments, no escrow, no intermediaries. Late payment may result in forfeiture of your allocation.

6. 06

   Become a co-owner

   Once all allocated co-owners have paid, Own2gether initiates the formation of a dedicated property company. You are registered as a shareholder with a stake proportional to your contribution. Company formation typically takes several weeks.

Ownership structure

Every property is held by its own dedicated company formed after full payment clears.

If the co-owner pool is not fully subscribed at closing, Own2gether may acquire the residual stake, increasing its holding above 2.5%.

How allocation ranking works

When a raise closes, commitments compete for space in the 97.5% co-owner pool.

Example only. Amounts are illustrative against a ₦200M total raise. A commitment marked "Partial" receives a proportionally reduced stake. * Equity % = (commitment ÷ total raise) × 97.5% — Own2gether's 2.5% management stake is already deducted.

Typical timeline

From your first commitment to becoming a registered co-owner.

Frequently asked questions

Is my commitment binding?

No. A commitment is a non-binding expression of intent. You are not obligated to pay until you receive a written allocation confirmation from Own2gether.

What if the raise is oversubscribed?

Commitments are ranked largest-first. If the total exceeds the co-owner pool (97.5% of the raise), smaller commitments may be partially or fully excluded. You will see your current rank in real time on the deal page.

Can I withdraw my commitment?

Yes, up to 3 times across your account. After the third withdrawal a 12-month lockout applies before you can withdraw again.

How is my equity percentage calculated?

Your equity stake = (your contribution ÷ total raise) × 97.5%. Co-owners collectively fund 100% of the raise and own 97.5% of the property company. Own2gether takes the remaining 2.5% as a management stake in lieu of fees. For example, a ₦10M commitment on a ₦100M raise gives you (10 ÷ 100) × 97.5 = 9.75% equity — not 10% — because Own2gether's 2.5% is funded proportionally by all contributors.

What currency is used?

All transactions are in Nigerian naira (NGN). USD and GBP figures shown on the platform are indicative approximations only.

How is the 2.5% Own2gether stake handled?

Own2gether receives 2.5% equity in the property company in place of management or acquisition fees. No cash fees are ever charged to co-owners.

Can I sell my stake after becoming a co-owner?

Yes — your shares in the property company are yours to sell. However, existing co-owners have the right of first refusal. Before selling to any external party, you must first offer your stake to the other co-owners in the same property company at your proposed price. Only if they decline can you proceed with an outside sale.

What happens if a payment window lapses?

If you do not transfer payment within 10 days of allocation confirmation, your allocation may be forfeited. Contact Own2gether immediately if you anticipate a delay.