Anyone.com, an Amsterdam-based real estate technology platform, officially launched in the United States on July 21, introducing a transformative digital mortgage system. The platform’s flagship feature, the “Anyone Mortgage”, allows buyers to acquire homes with as little as a 51% stake, while the lender co-owns up to 49% of the property. This shared-ownership structure significantly reduces traditional down payment and income barriers—revolutionizing access to homeownership for Millennials, Gen Z, and other underserved buyers.
The platform offers a fully digitized end-to-end experience. Prospective buyers can conduct property searches, schedule viewings, negotiate offers, apply for mortgages, and finalize contracts entirely online through a unified interface. AI-driven matchmaking leverages over 12 billion data points to connect users with the most compatible listing agents. Seamless communication channels consolidate messages, documents, timelines, and updates—streamlining what was once fragmented and time-consuming.
Anyone.com brings to real estate the transactional expertise its founders honed in the domain industry through Dan.com, which sold to GoDaddy in 2022. Co-founder and CEO Reza Sardeha described their vision: “We’ve basically built the Uber of real estate. The entire transaction—from finding the right home and agent to submitting offers and signing—is now handled in one digital workflow”. Available across more than 10 countries—including the U.S., U.K., Canada, Portugal, and several European markets—Anyone.com functions as a single global marketplace, with plans to expand coverage to nearly all active listings in its operating regions.
The Anyone Mortgage, scheduled for implementation in the U.S. in 2026, is a shared-capital model aimed at reducing borrowers’ financial upfront burden by almost half. Buyers finance 51% of the property, while the platform partners with lenders to cover the remaining 49%, sharing risks and long-term appreciation. Backed by economists and fintech analysts, the model is intended to create a win-win scenario: lower monthly costs and immediate homeownership for buyers, coupled with lenders gaining a stake in future property value increases.
This hybrid model tackles systemic housing challenges—stagnant wages, rising prices, and limited access to credit—by reducing leverage and increasing market stability. For mortgage providers, it offers diversified revenue streams: interest on the financed portion plus equity appreciation on their ownership share. For buyers, it opens a pathway to building equity from day one with significantly smaller down payments.
Anyone.com’s infrastructure is built for global integration. Founded in 2023, the platform’s scalable architecture supports buyers, sellers, agents, home inspectors, mortgage advisors, and notaries—facilitating international cooperation and transparency. Its legal framework, developed with top-tier firms, complies with complex cross-border regulations—from purchase approvals to ownership registration and ongoing portfolio management.
In the U.S., where traditional buyers often face long financing timelines and large capital hurdles, Anyone.com promises a faster and more inclusive path to homeownership. Average transaction times on the platform are approximately three weeks—substantially shorter than the 60–90 days typical of traditional real estate deals. Early adopters have already reported streamlined workflows and higher client engagement. Real estate professionals in countries such as Germany, France, Canada, India, and Australia have begun integrating Anyone.com into their practices.
Experts suggest that the Anyone Mortgage could ease affordability issues in high-cost U.S. markets where potential buyers are sidelined by high down payment requirements. By reducing the buyer’s investment threshold and providing a co-ownership model, the platform aims to make homeownership feasible for a broader audience without compromising lender security.
Still, this innovation comes with its own set of challenges: legal compliance, valuation methodologies, equity exit mechanisms, and adoption by established financial institutions. Anyone.com is reportedly in discussions with U.S.-based mortgage providers to ensure a smooth roll-out beginning in 2026.
Ultimately, Anyone.com’s launch in the U.S. marks a turning point in PropTech. By fusing AI-driven agent matching, end-to-end digital transaction handling, and pioneering shared-equity mortgage solutions, it challenges the conventional homebuying model. For agents and brokers, integrating with this ecosystem could enhance customer experience, accelerate deal cycles, and unlock new market segments among digitally native buyers.
As Anyone.com scales its U.S. presence and prepares to introduce its shared-equity mortgage model, it is poised to reshape affordability and access in residential real estate. Agents who embrace the platform early can benefit from streamlined operations, engaged clients, and a cutting-edge edge in a transforming industry.
