HomeGenerator

It's Time For A Change.

The housing market simply isn’t working for ordinary people anymore. What the market needs is an economic formula whereby tenants accumulate equity in the property they rent so they buy it over time, like a mortgage. Home Generator is that formula.

The Concept.

As the most desirable city for Buy-to-Let investments in the UK, Bristol has seen landlords benefiting tremendously from the letting market, whilst tenants have been struggling to afford the recent rent hikes.

When tenants cannot afford a mortgage, they are trapped into renting for years, sometimes forever. Home Generator gives them the option to rent, get some of their money back and step onto the property ladder.

How It Works.

Being a not-for-profit company, Home Generator capitalises the rents as equity in properties for the benefit of Investors & Tenants. When a property is sold and all expenses are met, 2 scenarios can occur:

Profit

If there are profits, these are paid to Investors and Tenants in proportion to their contribution. Investors get their share of the capital back, plus capital gains, whilst Tenants get their rent minus expenses, plus their share of capital gains.

Loss

If there are losses, rents cover these first, ensuring Investors are as safe as any landlord in the letting market today.

Tenants become investors in the property they rent, one brick at a time!

Year 0

Tenant moves in

Year 1

Rent builds equity

Year 3

This grows until...

Year 5

It's time to buy

The Social Impact.

Home Generator is a game changer for tenants, and Bristol is ready for an alternative to renting.

By converting rents (a cost to Tenants) into an asset, Home Generator allows Tenants to accrue equity, and a virtuous circle appears in which everyone becomes an investor in their own right, reducing the wealth gap between Homeowners and Tenants. This way, Home Generator changes the letting market into a force for good and allows socially minded Investors to give Tenants the financial security they are denied.

Home Generator is the Blueprint of a humane economic system that steers Capitalism towards fairness and gives Investors and Tenants equal rights over the profits they co-create. These are the tenets of Post-capitalism, a movement which seeks to create a fairer version of Capitalism for the benefit of all.

How We Get There.

As a recognised ethical hub in the UK, Bristol will see the launch of the initiative within 18 months from the reception of the initial funding.

Our Steering Committee comprises Strategic Analysis, Legal Support, Financial Analysis, and Letting Expertise. Our Executive team comprises the following expertise:

Project Management: steers the project until the incorporation of Home Generator.
Legal Division: prepares the governing documents until submission to the governing body.
Financial Division: designs the financial structure and financial instruments for investors and tenants.
Tax Expertise to adopt the most tax-efficient vehicles for tenants and investors alike.
Website Design for site completion.
Social Media Management to attract investors, donors, and grants.
App Development to allow investors and tenants to track their assets over time.
Crowdfunding setup and management to raise seed funds to pay for the above setup.

Each speciality will be invited to a call for tender which will be assessed based on their offer, budget, timeframe and credentials.