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Your PII is only used to contact you and determine compliance with the laws of property across the countries we operate in.
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The easiest way to save up for a home for digital nomads
Rent our apartments around the world and get 30% of your
payment back
payment back
Rent apartments everywhere with built-in savings for your future home
Get 30% back on every rent payment and save up for your own home
The easiest way to save for a mortgage down payment for digital nomads.
- Rent apartments at our real estate network and make your rent payments count towards your future down payment
- Grow your savings as the real estate grows in value
- Cash out anytime with no fees
- Grow your savings as the real estate grows in value
- Cash out anytime with no fees
Rent apartments around the world with built-in savings for your down payment.
- Your savings grow as the real estate value grows
- Save 7.6% off your rent payment in the first year
- Save 7.6% off your rent payment in the first year
The easiest way to save up for a home for digital nomads.
Rent apartments around the world and get 30% of your payment back.
How much you save
Sample Calculations of how the share of your savings and earnings grows within each of the payments within 1, 2, and 5 years
Это наша собственная недвижимость и мы выдаем вам ее через ипотеку
Это наша собственная недвижимость и мы выдаем вам ее через ипотеку
Curious how much you can save?
You can start saving 7.6% in rent payments now and even more with every month of renting at our network. Bear in mind the real estate grows in value, so your savings may double over time.
We rent our own apartments. The model we use is similar to mortgage payments.
And you are not attached to a single location.
And you are not attached to a single location.
Rent to live, save and earn
- Pay lower rent chargesThe ultimate cost of renting is 6-8% lower than the market average. Let alone the property share you get goes up with every month, making your cost of renting go down.
- Save up for a family house
Don't see yourself bound to a single location now, but dream of your own property in future? Save up for your property by renting. Start now, pick a place to settle later.
- Invest in propertyHold your shares on your account long-term for higher gains or trade fast for immediate return. Our property network is diversified by location and type of apartment, which makes for a more sustainable growth.
How It Works
- Book apartment in Flatwise networkFill out a short form to book your apartment. Browse our catalog to find an apartment that suits your nomadic lifestyle.01
- Move in and pay your rent monthlyCheck in at a selected date and get the keys. We charge monthly for the apartments in our network and require a 50% deposit.02
- Earn a share in our properties with every monthly paymentEvery month we credit a share in our real estate to your account. A share size is determined by the current property market price and equals ~30% of a monthly payment.03
- Grow or sell your share anytimeYou own and manage your shares entirely. Hold your shares on your Flatwise account as a long-term investment, savings option or sell it anytime back to us or peer-to-peer at a current market price.04
How It Works
1
Book apartment in Flatwise network
Fill out a short form to book your apartment. Browse our catalog to find an apartment that suits your nomadic lifestyle.
2
Move in and pay your rent monthly
Check in at a selected date and get the keys. We charge monthly for the apartments in our network and require a 50% deposit.
3
Earn a property share with every monthly payment
Every month we credit a share in our real estate to your account. A share size is determined by the current property market price and equals 30% of your monthly payment. The share you get grows with every month of staying at our apartments.
4
Grow or sell your share anytime
You own and manage your shares entirely. Hold your shares on your Flatwise account as a long-term investment, savings option or sell it anytime back to us or peer-to-peer at a current market price.
How It Works
1
Pay rent monthly and get 30% back in real estate shares
You get 30% of your rent payment back in the form of real estate shares.
To put it simply, you become the co-owner of the apartment.
The share you get grows with every month of staying at any apartment of our network.
To put it simply, you become the co-owner of the apartment.
The share you get grows with every month of staying at any apartment of our network.
2
Grow or sell your shares anytime with us
You own and manage your shares entirely, even if you aren't renting at our network anymore.
Hold your shares on your Flatwise account as a long-term investment or sell it anytime and get the cash.
Hold your shares on your Flatwise account as a long-term investment or sell it anytime and get the cash.
Click to order
Total:
More products
Финальная версия
Local mortgage with hired property management
Traditional rent
Rent-to-own Flatwise
Fixed monthly payment for life
No down payment
No banking, notary fees
No property agency fees
Without proof of income and other documents
No traditional banking customer scoring
Without payment to management companies
Termination of the use of the product without penalty at any time
Free to move to different cities and countries
You own shares in a property
Easy online management of your share in property
Черновик. Показать, что ипотека на 3-7 лет номадам которые не знают где хотят жить - не подходит
3-7 years local mortgage with hired property management
Rent-to-own Flatwise
No down payment
No banking, notary fees
No property agency fees
Without proof of income and other documents
No traditional banking customer scoring
Without payment to management companies
Termination of the use of the product without penalty at any time
Free to move to different cities and countries
You own shares in a property
Easy online management of your share in property
Черновик
Flatwise rent-to-own
Traditional rent
No down payment
No banking, notary fees
No real estate agency fees
Without proof of income and other documents
Without payment to management companies
No need to maintain the property (time, money, fix/replace something)
Without looking for new landlords
Termination of the use of the product without penalty at any time
Free to move to different cities and countries
Free to move to different cities and countries
You own shares in a property
Yes, in one property
Yes, in every rented property
No, never
Many countries available for moving
How It Works
- Book apartment in Flatwise networkFill out a short form to book your apartment. Browse our catalog to find an apartment that suits your nomadic lifestyle.01
- Move in and pay your rent monthlyCheck in at a selected date and get the keys. We charge monthly for the apartments in our network and require a 50% deposit.02
- Earn a share in our properties with every monthly paymentEvery month we credit a share in our real estate to your account. A share size is determined by the current property market price and equals ~30% of a monthly payment.03
- Grow or sell your share anytimeYou own and manage your shares entirely. Hold your shares on your Flatwise account as a long-term investment, savings option or sell it anytime back to us or peer-to-peer at a current market price.04
Don't see yourself bound to a single location now, but dream of your own property long-term?
Invest in property with us, piece by piece.
Start now, pick a place to settle later.
Essentially, you rent 7.6% cheaper compared to market prices. Your shares grow in value year-over-year too, so 7.6% return is the minimum you get*
*given average market property prices go up
You dream of your own property.
But you don’t want to be bound to a single location.
Save up for a property with us, piece by piece.
Start now, pick a place to settle later.
Essentially, you rent 7.6% cheaper compared to market prices. Your shares grow in value year-over-year too, so 7.6% return is the minimum you get*
*given average market property prices go up
Rent to live, save and earn
Earning 30% back in property shares every month
Renting with Flatwise
From €490/month
No earnings
From €370/month
Renting on your own
Apartments
Flatwise apartment network spans 5 countries and is soon to expand beyond! Travel wherever you want and find a perfect place to match your nomadic needs.
For Individual Nomads
Studio apartments fully equipped and close to downtown.
Starting at €490/month.
Starting at €490/month.
For Families & Couples
1-bedroom apartments with cosy private areas and spacious kitchen. Best option for couples and families.
Starting at €1,190/month.
Starting at €1,190/month.
Manage Your Shares
- Make it a long-term investmentWe offer apartments at the most attractive locations around the globe with an average market value increase of 9.5% YoY.
- Trade your sharesSell your shares at a market price anytime. We enable you to sell back to us or find a buyer among other Flatwise shareholders.
- Save up for an apartmentYou can save up for an apartment entirely by travelling and renting. Use your cashback balance to buy out a property from our network.
FAQ
Flatwise is a service that allows you to accumulate savings by allocating a portion of your monthly rent payment for a future down payment or purchase of apartments.
Submit an application via our application form. Our manager will contact you back and provide the details on available property and dates.
Trading shares is simple. Submit a request with our team to sell your shares. Our manager will contact you back with an estimated date of completing a sale. Usually, a sale is completed in 4-8 weeks.
Flatwise owns the apartment and rents it out to you at a pre-agreed monthly price.
Every month we pay a part of your payment (starting from 30% from the first month) directly into the savings - money that you can use for the purchase of any apartments or in the way of investing in real estate.
You can purchase any apartment of our real estate network at any time without any additional charges.
Every month we pay a part of your payment (starting from 30% from the first month) directly into the savings - money that you can use for the purchase of any apartments or in the way of investing in real estate.
You can purchase any apartment of our real estate network at any time without any additional charges.
Every month we pay a part of your rent payment (starting from 30% from the first month) directly into the savings - money that you can use for the purchase of any apartments or in the way of investing in real estate.
You can move between apartments around the world and save money in the real estate.
You can move between apartments around the world and save money in the real estate.
Unlike traditional mortgages, Flatwise allows you to live in different apartments as a tenant while you save money for the down payment or purchase. With Flatwise you get all the advantages and flexibility of renting with all the benefits of owning apartments.
Let’s look at some of the key differences between Flatwise and traditional mortgage.
Let’s look at some of the key differences between Flatwise and traditional mortgage.
- Mortgages usually require a down payment of 5-30%. With Flatwise you can immediately check into any available apartment and accumulate money from the first payment.
- Flatwise does not require much documents
- Flatwise does not offer any long-term commitment. You can withdraw money at any time
- In most cases, obtaining a mortgage requires an excellent credit history, which prevents most people from doing it. Flatwise allows you to get all the benefits of mortgage even if in the past you had financial difficulties.
Only your ID for booking an apartment.
Rent (about 70%)
Savings (about 30%)
Rent payment works as always. Flatwise sets the rent according to the fair market value of the lease in each city and district depending on the location of the apartment, size, etc.
Savings are funds for a future down payment or for a full purchase of any apartment.
If you don’t want to buy the apartment, you can withdraw all of your savings.
Savings (about 30%)
Rent payment works as always. Flatwise sets the rent according to the fair market value of the lease in each city and district depending on the location of the apartment, size, etc.
Savings are funds for a future down payment or for a full purchase of any apartment.
If you don’t want to buy the apartment, you can withdraw all of your savings.
There is no cost to start! Choose apartments from our network, pay monthly rent and accumulate money in your account.
Monthly rent payment consists of 2 parts:
Monthly rent payment consists of 2 parts:
- Your monthly payment which includes fair market rent (~70%)
- And your home savings (~30%) that are invested in real estate and can be used as a first-time mortgage fee or as a way to make money on real estate price growth
Most of our property is under mortgage loans. The monthly rent charge covers our mortgage payments, property maintenance, management costs and remuneration. In return we allow our customers to own a property with the convenience of a traditional mortgage, but without attachment to a single location.
No! Using Flatwise does not require a real estate agent
You can see the accumulated savings data in your Flatwise account.
About
Our lifestyle changes every year as technology evolves. Millions of people switched to working remotely and got a terrific opportunity to travel around the globe. Yet very few businesses have thought of providing these people with the same advantages others enjoy .
We find it unfair! Regardless of location an individual shall be able to access common products and services.
Unlike settled individuals and families, a seamless and clear process of purchasing a property is now nearly unavailable for digital nomads.
We ourselves had to decide too: work remotely and travel, or live in an apartment tied to a city and pay down a loan. A settled lifestyle offers a lot of ways to purchase and own a property fast and secure. What does the world have to offer travellers and digital nomads? Likely most of them have no clue how to maintain a nomadic lifestyle and still save up for a dream apartment. We at Flatwise set out to tackle this issue.
We find it unfair! Regardless of location an individual shall be able to access common products and services.
Unlike settled individuals and families, a seamless and clear process of purchasing a property is now nearly unavailable for digital nomads.
We ourselves had to decide too: work remotely and travel, or live in an apartment tied to a city and pay down a loan. A settled lifestyle offers a lot of ways to purchase and own a property fast and secure. What does the world have to offer travellers and digital nomads? Likely most of them have no clue how to maintain a nomadic lifestyle and still save up for a dream apartment. We at Flatwise set out to tackle this issue.
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