We're unlocking homeownership.

Homeownership has a fundamental design flaw: it's single-player.

All the systems—financial, legal, tax, etc.—that enable homeownership and provide stability to homeowners serve a married couple or single person. For everyone else, that's a problem. We live in a multi-player world. While shared homeownership isn't new, it is unnecessarily complicated, risky, and inefficient today.

We believe homeownership should be accessible to everyone, regardless of household composition. The world needs new pathways to owning a home and creating wealth. So let's build them together.

Our story
In 2015, we decided to co-buy a home as family members.

Pooling resources seemed a great way to increase our purchasing power and share expenses. Given our real estate, finance, and development backgrounds, we thought co-buying would be easy. We were wrong.

We learned that co-buying a home is complex. There are many unknowns and a lot of moving parts. The result? Friction, uncertainty, added costs, and avoidable risk. Our experience inspired us to build an end-to-end platform to make buying a home with friends or family simpler, safer, and more affordable.

Thus, CoBuy was born. We've since helped thousands of friends, family members, couples, and groups become homeowners.

You spoke, we listened. 

We're launching Shared Homeowner OS™ to make co-ownership a viable path to owning a home and building wealth for a broader, more diverse audience.

From the start, folks have asked for ongoing support with decision-making, agreements, admin, risks, finances, payments, and more. Why? Closing on a purchase is just the start of co-ownership, which is essentially multi-party asset management coupled with living-as-a-service. What could go wrong?


Co-buying platform


Founded after 12 months of R&D


Years experience in RE & finance

Our team

Photo of Pamela Hughes, CoBuy co-founder and COO.
Pamela Hughes
Co-founder, COO

Forty years of experience across finance, real estate, insurance, and construction. Committed to personal empowerment through financial education. Best friends with a small dog known as Francis.

Photo of Matt Holmes, CoBuy co-founder and CEO.
Matt Holmes
Co-founder, CEO

Planned a career in rock & roll but ended up working in finance in London. Lived with buddies for twelve years and lined a lot of landlords' pockets. Also close to a small dog known as Francis.

Our values


Everything works better when we're transparent with one another.


Breaking down all the barriers, facilitating connections.


Earned and maintained. No B.S.


Fine guard rails for work, love, and play.