Kamal K.

Chief marketing officer

Kamal K.

I’m here, ready and eager to answer all your questions. Let’s unravel the mysteries of home co-ownership togethe.



It’s the final countdown to launch the app!

Countdown to a New Era: Join the Co-Ownership Movement with Buyer Folio and Witness the Dawn of Collective Homeownership.












Our amazing team

Meet the Buyer Folio Team: A collective of passionate innovators and creative minds dedicated to transforming the home-buying experience. United by a shared vision, we work tirelessly to ensure our clients embark on their homeownership journey with ease, comfort, and joy.

Afsoon H.

Lead UI/UX Designer

"Blending the art of design with the science of functionality, I craft digital experiences at Buyer Folio that not only guide but delight. As a lifelong learner at the University of Ottawa, I'm sculpting the future of UX with every pixel and every line of code."

Our valuable partners

Our strong partnerships empower us to be unstoppable in shaping Buyer Folio. Together, we envision an inclusive and unbiased future of homeownership.

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We are here to help you!

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Q1: What is Buyer Folio?

Buyer Folio is a digital platform designed to facilitate the co-ownership of residential properties. It achieves this by matching potential co-owners based on their respective financial profiles and property preferences.

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Q3: How does the User-to-Property Recommendation System work?

This system utilizes the Folio Score®, in conjunction with comprehensive user and property attributes, to generate targeted and personalized property recommendations for prospective homebuyers.

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Q5: What should I consider before entering into a Co-Ownership Agreement?

Entering into a co-ownership agreement can have significant financial implications if things go awry. Therefore, it’s crucial to ensure that each party has a good credit standing, reliable income sources, qualifying debt-service ratios, and a thorough understanding of their legal and financial obligations.

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Q2: What is the Folio Score®?

The Folio Score® is a proprietary credit scoring system employed by Buyer Folio. It leverages artificial intelligence and machine learning algorithms to analyze a borrower’s financial data and predict their Ability-to-Pay (ATP®).

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Q4: What is the purpose of the Co-Ownership Recommender Model?

This model generates user-to-user recommendations by considering the compatibility of users with one another. It amalgamates user details, co-owner attributes, and financial metrics, including the Folio Score®, to identify synergies between users and present them with compatible co-ownership.

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Q6: What are the types of Joint Mortgages?

There are two types of joint mortgages: Joint Tenant and Tenants in Common. Joint Tenant is typically used by married or common-law partners or close family members, where they share equal ownership of the property. Tenants in Common allows separate parties to jointly enter into a mortgage, and they each own a portion which can be a different percentage based on financial contribution as outlined by a legal agreement.

Join the Co-Ownership Adventure with Buyer Folio!


6795 Rue Marconi Bureau 200, Montreal, Quebec H2S 3J9

Buyer Folio. Reimagining Homeownership For All Without Bias!

We pledge to champion fair and unbiased homeownership through Buyer Folio, leveraging our innovative Folio Score® and matching systems to personalize the home-buying journey, foster community, and unlock the doors to homeownership for all.