See how your ownership grows

With declining-balance financing you and AYA Financial buy the property together. Each month you pay a user fee for living in the home, and you buy back a little more of AYA's share — so your ownership grows with every payment and the fee gets smaller.

Move the sliders below to see what that looks like on a property you have in mind.

What you'd pay each month

Enter a property value, your down payment and a term to see your monthly figure.

Where each payment goes

See the split between the user fee and the equity you're buying — month by month.

What you'd need to apply

When the numbers work, see the documents required to get started.

How to read it: early on, most of your payment is the user fee and only a small slice buys equity. As your share grows the fee shrinks, so more of each payment goes towards owning your home. Drag the timeline to watch it shift.