AMSTERDAM, June 20, 2023 /PRNewswire/ — In response to the global housing affordability crisis, Anyone.com today unveiled an innovative solution that aims to redefine the future of the housing market: Anyone Mortgage. Designed to bridge the widening gap between stagnant incomes and skyrocketing home prices, this novel model promises to make homeownership affordable once again, especially for the first-time homebuyer demographic and lower income households, often neglected today.
The company believes that home ownership is a basic human right and that the current crisis in the sector must be resolved by all parties involved. No one wants to live in a world where their friends or family cannot afford a home because the market dictates, based on their wealth, that they are not deserving of it.
Anyone.com’s innovative model is outlined in a detailed white paper released today, offering a fresh perspective on tackling a problem that resonates across all continents. It is a compelling testament to the power of innovation, reimagining the old structure of mortgage financing to fit today’s economic reality.
The Anyone Mortgage model introduces a unique co-ownership structure, in which the mortgage lender owns up to 49% of the home’s equity, while the homeowner owns at least 51%. This model drastically reduces homeowners’ debt burden and aligns the interests of homeowners and mortgage providers, fostering a more sustainable and stable mortgage market.
“The current trajectory of the housing market is unsustainable. Stagnant wages and spiraling house prices have caused home ownership rates among new buyers to plummet,” said Reza Sardeha. “We are entering uncharted territory with Anyone Mortgage, offering an unprecedented solution that doesn’t just address the symptoms, but tackles the root of the crisis. Our model enables potential homebuyers to secure a lower mortgage, become homeowners and thus build equity in the place they can call home instead of just renting.”
Unlike traditional financing methods, Anyone Mortgage breaks away from the interest-driven model. It ties lenders’ financial benefits directly to home price appreciation, creating a win-win scenario. This paves the way to affordable financing options for the growing group of potential homeowners who feel left out right now, while ensuring lenders’ investments are secure and profitable.
Anyone Mortgage represents a turning point in mortgage lending, forcing providers to innovate and realign their offerings with the financial realities of today’s aspiring homeowners.
Anyone.com’s end-to-end infrastructure for distributing the Anyone Mortgage model is ready for deployment by the end of 2023. They have successfully executed the first transactions in the Netherlands, where the company is based. The company is now seeking collaborations with mortgage providers in the Netherlands, UK, Germany, Spain and the US, with the goal of rolling out the Anyone Mortgage model worldwide by 2024 on an international scale for maximum impact.
In addition to the Anyone Mortgage model, Anyone.com is looking at other innovative models such as Shared Equity Mortgages, Rent-To-Own and Sustainable Mortgages. Each of these models has unique potential to make home ownership more affordable and financially manageable. The company hopes to inspire others to also think about new models that will make home ownership less of a myth for millions of people around the world.
By fostering more inclusive and sustainable homeownership, Anyone.com hopes to address the growing cash crunch in the real estate market and ensure a bright future for potential homeowners.
“We call on mortgage providers to consider the Anyone Mortgage model as a means to create a more inclusive and sustainable future for home ownership. We dream of a future where our new generation feels that participation in the economy pays off so they and their children can enjoy a bright future. Together, we can make homeownership a basic human right again,” the spokesperson concluded.
The launch of Anyone Mortgage marks a defining moment in home finance and marks the arrival of an innovative model that refuses to accept the status quo. Anyone.com invites industry players, prospective homeowners, and interested parties to explore the report released today, join the conversation, and become part of this innovative journey.
ABOUT ANYONE.COM
Anyone.com is a forward-thinking international company headquartered in Amsterdam, The Netherlands, driven by a mission to make homeownership accessible again to millions of people around the world. The company challenges conventional wisdom and harnesses innovation to address complex global problems.
Anyone Mortgage is your first significant step toward reshaping the future of home finance. The company has been founded by experienced high-tech serial traders who have created and run markets and financial institutions before. Through its comprehensive cross-border real estate marketplace and infrastructure, Anyone.com is set to change the way people buy and own homes. For more information, visit Anyone.com.
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