Managed co-ownership of Australian holiday homes
Own the holiday home.We run it for you.
Buy a real share of one Australian holiday home. You buy your share on your own; Copay assembles the owners and runs everything else.
- Buy solo. No group to organise.
- A real share, held through a dedicated unit trust.
- Your nights each year, fairly rotated.
- A defined pathway to sell.
A second home shouldn't feel like a second job.
Straight answers, in the order you'd ask them.
What if the next one was partly yours?
You've spent years booking someone else's place. Same coast, same drive, a different house each time, and nothing that stays yours.
Renting
- Book
- Pay
- Stay
- Leave
- Repeat
Owning your share
- Buy your share, once
- Book
- Stay
- Come back
- The same home, year after year
The difference isn't the house. It's that one of these you come back to.
What do I actually own?
The home
A dedicated unit trust
holds the title
Your units
a real share of the trust that owns the home
You hold units in the trust that owns the home. Yours to enjoy, transfer or sell.
See the structure in full →Who gets Christmas?
how it works
| Christmas | Easter | January | |
|---|---|---|---|
| 2027 | You | Owner B | Owner C |
| 2028 | Owner B | You | Owner D |
| 2029 | Owner C | Owner D | You |
Smart Scheduling in the Copay portal rotates the peak dates for you. Have Christmas this year and you rank lower for it next year, so nobody keeps the best dates and nobody negotiates with anyone.
And the house is yours whenever it's free, on short notice, without touching your allocation.
You own it. You don't run it.
The house
- Cleaning
- Maintenance
- Repairs
- Gardening
- Pool care
The money
- Insurance
- Council rates
- Bills
The admin
- Turnover between stays
- Scheduling
- Owner admin
- Support
One monthly payment covers all of it. You never chase a tradesperson or collect money from another owner.
Your things stay in a locked store at the house, so you travel light and they're waiting when you arrive.
What does it really cost?
Your share, paid once.
Your share of the home, plus applicable transfer duty, legal review and Copay fees.
Then one monthly levy.
Ongoing property costs such as insurance, maintenance, rates and scheduling are managed through one monthly payment.
No second job. No chasing other owners. Just one payment that covers it.
Figures vary by property. See your costs for your preferred region in the calculator; exact costs are confirmed in writing before you commit.
Estimate your share →Estimate your share in 30 seconds
Pick a region, a home type and a share size. Your figures appear instantly. No email needed.
1 Where
Figures are illustrative for this region. Current homes are listed in the collection.
Entry capital
Monthly levy
Nights
Your share
Complete all three steps to see your figures.
Entry capital
Duty, legal review and Copay service fee included.
Monthly levy
Insurance, maintenance, rates. One monthly payment.
Your nights
Peak dates rotate between owners each year.
Illustrative figures based on your selections. Exact numbers confirmed in writing before you commit.
What if another owner is a problem?
You don't manage the other owners. Copay manages the home.
Someone stops paying
Copay steps in, manages the arrears and pursues the payment, so you're not the one chasing another owner. The trust agreement sets out what happens if it isn't resolved.
Someone causes damage
Damage is charged to the owner responsible through the home's ledger, not shared across everyone.
Someone wants to let it on Airbnb
Homes are for the owners who bought them. Short-term letting isn't permitted.
Do I ever deal with them directly?
No. Copay handles the money, the bookings and the admin. You never negotiate with another owner.
How do I get out?
Request a sale
Once your minimum holding period is met.
Establish value
An independent valuation helps determine the market value of the property and your share.
Offer to co-owners
Existing co-owners get the first opportunity to purchase, where applicable.
Find a buyer
Copay markets your share to registered buyers.
Buyer approval
The new owner completes the required verification and approval process.
Transfer
Your units transfer to the new owner.
Copay manages the process. You decide when to sell and what price to accept. A sale isn't guaranteed, and timing depends on market conditions and buyer demand.
Homes available now, and homes we're finding next.
The next homes are chosen by where people register. These show the standard we buy to.
Tell us where. We'll look for the home.
A maximum of eight owners per home. When a home becomes available, registered buyers hear first, and interest can be secured before it reaches the public collection.
How Copay works
We don't buy homes and then look for owners. We use buyer demand to help decide where we source next.
What we don't promise.
Before you buy, here's what Copay doesn't promise.
No promise of value increase.
Property values can fall as well as rise. Don't buy a share expecting it to be worth more later.
No short-term letting.
Copay homes are for their owners. Owner nights can't be let out, subject to the terms of your ownership.
No guaranteed exit price or timeframe.
When you sell, the outcome depends on the market and the buyer you find. There is no guaranteed buy-back price or sale date.
No guaranteed dates.
Your share gives you defined usage rights, but peak dates are allocated through the applicable scheduling rules and aren't yours until booked.
Not financial, tax or legal advice.
Get independent advice from a qualified professional before you buy.
Why we built Copay.
We watched families spend years renting the same coast while second homes sat empty most of the year. Neither made much sense. So we built a simpler way to own one, share it fairly, and leave the running to us.
Himanshu Arora & Mohamed Ismail
Co-founders
How is this different from a timeshare?
What you hold
Timeshare: A right to use, or points
Copay: Units in the trust that owns the home
The property
Timeshare: Often a resort or larger scheme
Copay: One specific home
How many owners
Timeshare: Often many members
Copay: A small group of co-owners
Your time
Timeshare: Access under the scheme's booking rules
Copay: Defined usage rights, subject to the ownership and scheduling rules
Who runs it
Timeshare: The timeshare operator
Copay: Copay
Getting out
Timeshare: Exit terms vary by product
Copay: A defined resale process
A timeshare generally gives you a right to use. A Copay share gives you an ownership interest in the property structure that owns a specific home.
Tell us where you'd want one.
Registering costs nothing and commits you to nothing. It's how the next home gets found.