Own Sooner. Together.
Your relationship status shouldn't decide whether you own a home.
You've worked. You've saved. You've planned.
But for many women, buying a home still means waiting for the "right" circumstances.
HerPact exists to create another route.
Launching first in Manchester
Built on research with 66 women in Manchester & Leeds
Structured around established co-ownership routes
Works alongside independent solicitors & regulated mortgage professionals
Become a Founding Member
You bring the determination. We bring the infrastructure.
Everything we build is designed to help women prepare for homeownership with confidence, from education and compatibility to legal guidance, professional introductions and community.
Co-buyer support
Support to help you find a compatible co-buyer within the membership.
Bring your own co-buyer
Full membership support for members who already have someone in mind to buy with.
Private member community
A growing community of women on the same journey.
Educational resources
Guides and materials on co-ownership and buying together.
Live webinars & Q&A
Regular sessions with experts and the HerPact team.
Property calculators
Tools to model affordability, deposits and equity splits.
Mortgage introductions
Trusted, regulated mortgage professionals.
Conveyancing introductions
Independent solicitors for co-ownership agreements.
Insurance partners
Protection products suited to co-ownership.
Exit Pool
A planned way out, so ownership never traps you.
Ownership Intelligence
Exclusive articles and research for members.
Future member events
In-person and virtual gatherings as we grow.
The problem
Your life is already happening.
While you're paying rent, saving for a deposit and waiting for affordability, time keeps moving too.
Homeownership isn't just about owning property.
It's about when you begin building equity, stability and the life you want.
- 1
Saving a deposit while paying high rent.
- 2
Buying power limited by one income.
- 3
House prices moving faster than savings.
"I would be able to afford a mortgage. I just cannot afford the deposit."
"Not passing affordability checks even though I pay my expensive rent."
From our survey of 66 women in Manchester and Leeds, 2026.
Membership options
More than one route.
Every woman's journey is different. That's why HerPact isn't built around one way of buying a home. Whether you're looking for a compatible co-buyer, already have someone in mind or want to rent together first, we've created multiple routes designed to support different starting points.
Find a Co-Buyer
For members who want to buy but do not already have the right person to buy with. Membership includes support to help you find a compatible co-buyer.
Explore Co-Buyer SupportBring a Co-Buyer
Already planning to buy with a friend, sister or housemate? Membership provides the structure, resources and professional introductions to approach it properly.
Explore Buying TogetherRent Together First
For selected members who want to test living compatibility before committing to a purchase together.
Explore the PilotCo-ownership calculator
What is waiting really costing you?
Compare different routes to homeownership and see how changing the structure, not the property, could change what's possible.
Mortgage calculator
Educational estimate only, not mortgage advice. Real outcomes depend on lender criteria, credit profile, interest rates, and market movement. Deposit readiness does not guarantee mortgage readiness.
Enter a property price and select a deposit percentage to see your estimated monthly repayment.
Enter your numbers to see the comparison
Fill in a property price, deposit percentage, and your financial details above to compare buying alone with a structured co-ownership route.
The HerPact approach
Confidence starts long before completion.
Homeownership shouldn't rely on hope. We help members prepare through education, compatibility, planning, legal structure and professional support before they buy together.
Readiness and compatibility
Important financial, practical and lifestyle expectations are considered before introductions or commitments.
Professional support
Mortgage and legal advice remains with appropriately qualified and regulated professionals.
Exit planning early
Members are encouraged to address ownership, decision-making and exit expectations before purchasing.
Common questions
Your questions, answered.
Built for women, by women
Grounded in real evidence, not assumptions.
Built from research with women in Manchester and Leeds.
Structured around established co-ownership routes.
Designed to work alongside mortgage brokers and independent solicitors.
Founding membership
Become a founding member.
Join the founding membership waitlist for early access, launch updates and the opportunity to shape HerPact before it opens.
Join Membership WaitlistHerPact isn't about replacing relationships.
It's about ensuring they are no longer a prerequisite for building wealth.
Women deserve more than one route to home ownership.
We built one.