Selling a share of your home for funding doesn’t have to be a one-way trip. MyBrix’s fractional model — where you sell Brix, fractional economic interests in the property rather than title — builds in a way back: buying the Brix back yourself. This guide sets out how that works, what’s confirmed and what isn’t, and how it compares with reversing a reverse mortgage or a home reversion agreement.

Can I buy back the share of my home I sold?

Yes. Under MyBrix’s published terms, you — the owner — can buy back Brix at any time during the arrangement, at a price agreed before the property was ever listed (as at July 2026, MyBrix Product Disclosure Statement). You don’t need to wait for the arrangement’s term to end, and there’s no requirement to buy everything back at once — you can do it progressively, Brix by Brix, whenever it suits you.

Selling Brix never transferred title in the first place — you remain the registered legal owner throughout, and buying Brix back doesn’t hand you anything you’d given up. What buying back restores is the economic entitlement: any growth or income that accrued to a Brix while an investor held it stays theirs, but from the point you buy it back, that entitlement is yours again, same as new.

How is the buyback price set?

MyBrix’s Product Disclosure Statement does spell out how the buyback price is built (as at July 2026). It starts from the Initial Brix Value — the amount an investor originally paid for the Brix — and rises each year by a fixed annual increase the owner sets before the property is ever listed. That increase can be set anywhere from 10% to 30% a year, and once chosen for a listing it’s locked in.

The increase is applied in a straight line, not compounded, and it isn’t interest — the PDS states plainly that the annual step-up should not be treated as a loan interest rate. It isn’t a market valuation either: the price to buy a Brix back doesn’t move with the property market, it follows the schedule agreed up front (as at July 2026).

Buyback price = Initial Brix Value + (owner-set annual increase % × Initial Brix Value × number of years). The annual increase is set by the owner, between 10% and 30% a year, before listing; it’s applied in a straight line, not compounded, and it isn’t interest or a market valuation.

The PDS gives a worked example to show the shape of it. Assuming a 10% annual increase, a Brix with an Initial Brix Value of $100 is bought back at $110 after the first year, then rises by $10 each year to reach $200 by year ten. That’s an illustration of the mechanism at one rate — not the price for any particular property. Your own annual increase (somewhere in the 10%–30% band) and any minimum monthly buyback commitment are set in your Participation Agreement before listing, so ask MyBrix for the specific figures that apply to your listing before you rely on them.

Do you have to buy back every Brix you sold?

No — not within the arrangement’s usual life. MyBrix’s terms don’t expect you to buy back all your sold Brix inside the maximum 10-year term; a shorter term can be agreed instead, but there’s no obligation to reach zero sold Brix before then (as at July 2026).

The obligation lands at the end of the term. At that point, you must either buy back whatever Brix are still outstanding — at the same pre-agreed price — or the property is sold at market value, with proceeds distributed proportionally across everyone who holds Brix, including you if you still hold any. Buying back partway through and settling the rest at term end aren’t mutually exclusive; owners can do some of each.

How does this compare with reversing a reverse mortgage or a home reversion agreement?

“Buying back” is MyBrix’s own named mechanism, with its own published price formula — it doesn’t translate directly to the other two long-standing ways of raising money from a home without a full sale.

A reverse mortgage is a loan, not a sale — you never transferred any share of your home, so there’s nothing to buy back. What reverses the arrangement is repaying the loan: the balance, plus whatever interest has compounded onto it, usually paid from the sale proceeds when the home is eventually sold (Moneysmart, a federal government website run by ASIC). Reverse mortgages taken out from 18 September 2012 carry statutory negative equity protection — you can’t end up owing the lender more than the home is worth — but that protects the size of the final repayment, not a right to reverse the loan early on your own terms.

Home reversion sits closer to selling Brix in structure: both are a sale of a share of future value, with no interest and no debt attached. Moneysmart’s general description of home reversion notes that you may also have the option to buy back the sold share later, if you wish — so, like MyBrix, a way back can exist here too. What the general material doesn’t set out is how any buyback price would be worked out: there’s no published formula, unlike MyBrix’s disclosed Initial Brix Value plus owner-set annual increase. Whether a buyback is offered at all, and at what price, is a question for the specific provider’s contract, not something the general descriptions confirm either way.

	MyBrix Brix buyback	Reverse mortgage	Home reversion
What’s sold or borrowed	A fractional economic interest	Nothing — it’s a loan	A future-value share
Way back documented?	Yes — buy back Brix any time	Yes — repay the loan	May be offered, per Moneysmart
Price or amount	Predetermined, set before listing	Balance plus compounded interest	Not publicly disclosed
Any deadline?	Term end (max 10 years)	None until sale, repayment or death	None published

This table compares structure, not cost, and says nothing about which option suits you better. The MyBrix row reflects its published terms as at July 2026; the reverse mortgage row reflects Moneysmart’s general description plus the statutory protection dated from 18 September 2012 — individual lender terms vary. The home reversion row reflects Moneysmart’s general description, which notes a buyback option may be available without disclosing how any price is set — individual provider contracts vary and may or may not include one.

What should you weigh before counting on a buyback?

Funding the buyback. A predetermined price only helps if you have the money to pay it when you want to use it. Nothing in the published terms guarantees you’ll have that money available at the point you decide to buy back.

The specific rate on your listing. The pricing mechanism is public — Initial Brix Value stepped up by a fixed annual increase — but the actual increase (somewhere between 10% and 30% a year) and any minimum monthly commitment are set per listing. Ask MyBrix for the specific figures that apply to yours before you build a buyback into any plan.

Term-end timing. If you haven’t bought everything back by the end of the term, the property may be sold at market value instead — a different outcome to a buyback, and one that depends on where the market sits at that point, not on the price you were quoted upfront.

Getting independent advice. Whether buying back Brix — rather than leaving them with investors, or selling the property outright — suits your circumstances is a question for a licensed financial adviser, not something general information can answer for you.

Where can you get reliable information?

The full buyback mechanics sit in the Product Disclosure Statement and Target Market Determination at mybrix.com.au — read them, and ask MyBrix directly for anything the published material doesn’t spell out, including the specific annual increase set for your listing. For the wider set of non-debt funding options, see our guide to accessing home equity without a loan; for what selling Brix does and doesn’t change day to day, see do you lose control of your home if you sell a share of it?; and for how home reversion works as a structure, see our guide to home reversion vs a reverse mortgage.