Home Ownership,
Together

T'awa helps groups pool monthly contributions toward property deposits or ownership. We handhold your group from deposit to mortgage support until you finally own your home. It's collective saving that turns years of waiting into months of action.

Co-Investment: Your group buys a rental property together. Everyone owns a share, rental income is split monthly, and you can sell your share to exit anytime.

Co-Saving: Your group saves together to help each member secure their deposit faster. When it's your turn, use the pooled funds as your deposit to buy your own home.

Yes. Your contributions are held in segregated, FCA-regulated accounts managed by our financial partners—T'awa never touches your money. All groups operate under legally binding agreements with insurance coverage protecting against member defaults. Your funds are safeguarded at every step.

Traditional ROSCAs or money circles rely purely on trust and have no legal protection if someone defaults. T'awa is fundamentally different: all funds are held by FCA-regulated institutions, members sign legally enforceable agreements, insurance protects against defaults, and every member is ID-verified. You get the community power of collective saving with the security of regulated financial infrastructure.

The group agreement includes clear exit terms and penalty provisions. If someone leaves early, they receive their contributions back minus an agreed penalty fee. Insurance coverage protects remaining members from any shortfall. The departing member's commitment can be transferred to a new verified member, keeping the group intact.

T'awa partners with lenders who recognize collective saving behavior as proof of creditworthiness. Your consistent monthly contributions build your credit profile. When it's time to purchase your individual home, you'll have both the deposit and a demonstrated track record of reliable payment history—exactly what lenders want to see.

Absolutely. While some groups form with existing friends or family, many T'awa members join with people they've never met. All members go through ID verification and financial screening. Trust is built through structure, legal agreements, and aligned incentives—not just familiarity. We match people with similar goals and timelines.

We're currently validating demand and building partnerships with FCA-regulated financial institutions. Join our waitlist to be among the first to know when we launch, and help us understand what features matter most to you.