Fractional property funding is the sale of fractional interests in your property’s economic value — not its title — to investors, in exchange for funds. It is not a loan: no debt is created, no interest rate applies, and there is nothing to repay to a lender. You remain the registered legal owner and keep living in the home. What you give up is a share of the property’s future value, attached to the interests you sell, unless you later buy them back.

“Selling a share of my home” is the everyday phrase for it, and it is nearly right. What an investor buys is an economic interest — a financial product entitling its holder to a share of the property’s financial outcomes, such as sale proceeds — not a share of the home itself. The title never moves. On MyBrix — the platform behind this blog — those interests are called Brix, and the owner-side product is FundMyProperty; its terms, as at July 2026, are the worked example through this guide.

The category sits alongside home reversion, shared equity and downsizing among the ways to raise money from a home without borrowing — see our guide to accessing home equity without a loan for the full field.

What is fractional property funding?

Fractional property funding divides a property’s economic value into many small units and sells some of them. On MyBrix, each listed property is divided into 10,000 Brix, together representing 100% of the property’s economic benefits — its future net sale proceeds and, where applicable, net rental proceeds. A Brix is a fractional economic interest: a financial product under Chapter 7 of the Corporations Act 2001 (Cth), not ownership of the property and not a loan.

The owner sells a portion of those units and keeps the rest. As at July 2026, a MyBrix owner must retain a minimum holding once funding completes — in general 20%, or 2,000 of the 10,000 Brix, with lower holdings such as 10% approved case by case — so the person on the title stays financially exposed to the property alongside investors.

Investors see the same structure from the other side: they buy Brix as an investment in residential property. Our guide to fractional property investment covers that view; this one stays with the owner.

Is selling a share of your home the same as taking out a loan?

No. A loan creates a debt that grows with interest until it is repaid. A fractional sale creates no debt — you exchange part of the property’s future value for funds today, and there is no interest and no loan repayment schedule. The costs sit in different places: a borrower pays interest; a seller of fractional interests pays fees under the agreed terms and gives up part of future value.

	Borrowing against your home	Selling fractional interests
What is created	A debt, secured by the home	No debt — a sale of interests
Interest	Yes — variable, fixed or compounding	None
Ongoing payments	Repayments, or interest compounding	Fees per agreed terms
Long-term cost	Interest plus fees	Fees plus future-value share sold
Eligibility gate	Serviceability assessment usually applies	Provider criteria; financial assessment if required
Product law	Consumer credit law	Financial products law

Assumptions: an owner-occupied residential property; the borrowing column describes home loans and reverse mortgages generally, as set out by Moneysmart; the fractional column reflects MyBrix terms per PDS v4.0, as at July 2026; individual products vary. The regulatory line is real, not cosmetic: a reverse mortgage is a credit product under the National Consumer Credit Protection Act 2009, while a Brix is a financial product under Chapter 7 of the Corporations Act 2001 (Cth).

The table shows structure, not ranking. Compounding interest can work out smaller or larger than the share of future growth you give up — it depends on how long the arrangement runs, what the property’s value does, and each product’s terms. That comparison is a calculation to work through with a licensed financial adviser, not a verdict a table can deliver.

How is fractional property funding different from a property fund?

A property fund pools investor money to buy property; fractional property funding raises money against a property you already own. In an unlisted property scheme — ASIC’s term for what the industry often calls a property syndicate — the responsible entity, the scheme’s operator, raises funds from investors, pools them, and buys real property with them. ASIC’s guide to unlisted property schemes defines the category as schemes with at least 50% of their non-cash assets in real property (or in other unlisted property schemes), and states that investors have beneficial but not legal ownership of the property assets (RG 46, as at July 2026). The responsible entity holds scheme property on trust for scheme members, so the name on the title is the operator or its custodian — Moneysmart’s property funds page describes the same structure in consumer terms.

Fractional property funding of the MyBrix kind runs the other way. The property is not transferred into a scheme vehicle and no trustee goes on the title: you stay on it, and investors hold economic interests rather than units in a pooled trust. For the full comparison of who holds what, see our guide to who legally owns the property in a fractional investment.

How does selling a share of your home work on MyBrix?

The process, as at July 2026, runs: application, consultation, then a financial assessment if required. An independent licensed valuer values the property — typically two to four weeks — and the listing proceeds to an Initial Brix Offering (IBO), the offer through which investors buy the property’s Brix and your funding is raised. If the funding threshold is not reached, the listing may not proceed.

Throughout the arrangement you stay on the title, keep occupancy, and keep the owner’s responsibilities — rates, insurance and maintenance. The maximum term is 10 years; a shorter term may be agreed. As security, a first-ranking mortgage is intended to be registered at settlement, held on trust for all Brix holders (as at July 2026).

Here is the whole shape in one picture:

For the step-by-step walkthrough of the platform side — listing, offering, settlement — see our guide to how MyBrix works.

What does fractional property funding cost?

Two kinds of cost: fees, and the share of future value you sell. The owner-side fees on MyBrix, as at July 2026, are:

Fee	As at July 2026
Property assessment	$99, once
Manual valuation assessment (where required)	$999, once
Funding application	$1,499–$1,999 per listing
Funding fee	5.0% upfront or 0.1%/month deferred
Occupation fee (where agreed)	0.2%–0.5%/month of funded amount
Selling management fee (if property sold)	5% of gross sale price

The funding application fee is $1,999 where a manual assessment applies and $1,499 where it does not. The funding fee is one or the other — 5.0% of the funded amount upfront, or 0.1% per month deferred — agreed per listing. Fees include GST, are generally non-refundable, and some may be payable even if funding does not proceed. A short-term facility, where agreed, can also carry a balloon payment fee of 10% to 30% at its end, and cancelling at settlement costs $500; the selling management fee is borne proportionally by all Brix holders, including you on the Brix you still hold.

The larger cost is not a fee at all. The Brix you sell carry a share of the property’s future value — including any growth — and those economic benefits belong to their holders unless you buy the Brix back. Weighing that against the interest a loan would have cost over the same years is the real comparison, and it depends on inputs nobody knows in advance.

Do you keep control of your home?

You keep the title and the keys. Selling Brix does not affect your occupancy rights: you remain the registered legal owner, you keep living in the home, and you may sell the property at any time during the term (as at July 2026). The responsibilities stay with you too — rates, insurance and maintenance.

The terms govern use as well as occupancy. As at July 2026, converting the home from owner-occupied to a rental carries a fee of 1.0% of current market value, and renting it out without authorisation is charged at market rent plus 50%, backdated. The product documents set out the full scope of what needs agreement — reading them before committing is what they are for.

Can you buy back the share you sold?

Yes — at any time, at a predetermined price agreed before the listing, so you know the buyback terms before you sell a single Brix. You are not expected to buy back all Brix within the term. At the end of the maximum 10-year term, you must either buy back the remaining Brix at the pre-agreed price or sell the property at market value, with the proceeds distributed proportionally to all Brix holders (as at July 2026).

Two edge cases carry their own prices. Extending the term costs 10% of the value of current Brix holdings, and ending the arrangement early by compulsorily acquiring all Brix costs their current market value plus 10% (as at July 2026). The one-way door is worth restating: once Brix are sold, the economic benefits attached to them are permanently given up unless they are bought back.

How is fractional property funding regulated?

Through financial services law, because the interests sold are financial products. A Product Disclosure Statement — the document setting out a product’s key features, fees, risks and complaints process — must be given when a financial product is offered, and design and distribution obligations require a public Target Market Determination describing who the product is designed for. Platforms offering financial products to Australian retail investors must hold an Australian financial services licence or act as authorised representative of a licensee.

MyBrix’s position, as at July 2026: MyBrix Pty Ltd ABN 37 669 479 636 is authorised representative 1304961 of Australian Financial Licensing Group, AFS Licence No. 269868, and Brix are issued by MyBrix Properties Pty Ltd ACN 669 491 338. Licences and authorisations are searchable, free, on ASIC’s professional registers.

Structures across the category vary, and so does the framework that applies. Where an arrangement pools investor money, it is generally a managed investment scheme, and a scheme generally must be registered with ASIC once it has more than 20 members or is promoted by someone in the business of promoting schemes. Whether any particular offering — MyBrix included — must be registered depends on its legal structure and how its interests are issued; its own disclosure documents and ASIC’s registers hold the answer.

What should you weigh before selling a share of your home?

Time and the market. A loan’s cost grows the longer it runs, regardless of what property prices do. A fractional sale’s largest cost — the share of future value sold — tracks the property’s value, up or down, though any monthly fees under the agreed terms run with time as well. Neither is automatically cheaper; the horizon and the market decide.

Your income. Borrowing generally requires passing a serviceability assessment — the lender’s check that your income can support the repayments. A fractional sale is structured around the property and the provider’s criteria, with a financial assessment if required — a structural difference, not a reason to prefer one.

Age Pension. Converting value held in your home into money or other assets can change how your entitlements are assessed. Payments can be affected in ways specific to your situation — contact Services Australia’s free Financial Information Service before proceeding.

Tax. Selling an interest in your home is not the same event as borrowing against it, and the treatments differ. Tax outcomes depend on your circumstances — speak with a registered tax agent before acting.

Your estate. A share of the home’s future value sold today is a share your estate does not receive later, unless bought back. Speak with an estate planning lawyer about how this interacts with your will and estate.

Where can you read the full terms?

The product documents, first. For MyBrix, the Product Disclosure Statement and Target Market Determination at mybrix.com.au carry the complete fee schedule, the buyback mechanics and every term summarised above. For the wider equity-release field, Moneysmart — ASIC’s free consumer website — covers the loan-based options this category is an alternative to.

General information can define the category; it cannot weigh it for your situation. A licensed financial adviser can.