The article below reflects the information available when it was published. Please see the updated booking rules, prices and fees and Rental Days. Each owner's agreement determines their rights and payment terms.
Two approaches — different starting points
When people think of a holiday property, they often first imagine owning an entire house themselves. This has long been the traditional route, and it works well for some. For others, it can become expensive and time-consuming.
Co-ownership offers another route: a deliberate choice to share a property, its costs and responsibilities without sacrificing use or quality.
At Heimkoma, we believe neither approach is inherently right or wrong. What matters is what suits your circumstances.
Sole ownership — full control, full responsibility
Owning a holiday home alone means everything rests on your shoulders. You make every decision and carry every responsibility. For people who use the property extensively, have time and interest in managing it, and want complete control, this can be a good choice.
However, it often involves:
- high purchase and running costs
- maintenance that needs doing, regardless of use
- a property standing empty for much of the year
- responsibilities that are difficult to share
For many people, over time it becomes more of a project than an enjoyable experience.
Co-ownership — clear organisation and fairness
Heimkoma's co-ownership model has a different aim. Instead of one owner taking everything on, owners share access to one or more holiday homes within a clear framework and with defined usage rights.
Ownership is defined from the outset, rather than informal and loosely organised as it often is among relatives or friends. The arrangement is explained further in Heimkoma's co-ownership model — how it works in practice, which puts the rights, rules and community structure into context.
The problems many families or groups of friends experience in co-ownership arise from unclear rules and nobody to enforce them. We address this.
The difference goes beyond the property
What most often separates these approaches is the ownership experience rather than the house itself. It is about time, pressure and predictability as well as square metres.
With Heimkoma, management is part of the solution. Owners do not need to organise maintenance, handle operations or worry about unexpected tasks. This is explained further in Heimkoma takes care of everything — what does that really mean?, which describes the services that come with ownership.
Which approach suits you?
The choice is usually about circumstances rather than right or wrong. Some people need full control. Others value access to quality properties without an ongoing management project. Co-ownership can also make it possible to own properties of a quality that would otherwise be out of reach without sharing the investment and costs.
Heimkoma suits people who want to:
- use a holiday property regularly
- share costs and responsibilities
- have clear organisation and fair access
- enjoy the property without running it
Thoughtful ownership
We believe co-ownership is a move towards simpler, clearer and more realistic ownership. It can also be a step up: Heimkoma makes it possible to own the holiday property you have always dreamed of.
For many, it is about owning more wisely rather than owning less.