Letterbox is an opportunity listing site for those looking to co-own in the property market.
Simply search, list & connect.
About
The start
The property market has shifted — and the old pathways aren’t working like they used to. It’s not just first-home buyers feeling the squeeze; many existing owners are also looking for new, more flexible ways to make their property situation work for them.
That’s why we created Letterbox.
A simple, adaptable platform that puts control back in your hands and helps you explore arrangements that suit your goals — whether you’re entering the market or rethinking how you use a property you already own.
Letterbox gives you a place to share your own ideas or opportunities and connect with people whose intentions align with yours. You choose what you want to list, who you speak with, and how you move forward.
If you want additional support, you also have the option to connect with trusted industry professionals. Any guidance or services they provide are handled directly between you and them — independent of the platform.
Our goal is simple: to open the door to more possibilities.
Property Co-Ownership: A General Guide
1. Understand Your Financial Position
Before exploring opportunities, many people start by getting clarity on:
- what they may be able to borrow
- potential loan options
- responsibilities involved in co-ownership
Only a licensed mortgage broker or lender can assess your financial circumstances and explain lending options.
2. Get Familiar With Co-Ownership Agreements
Reviewing a general example agreement can help you understand:
- how roles and costs may be shared
- what happens if someone exits
- how changes or disputes might be handled
For legal questions or documents, speak with a qualified property lawyer.
3. Already Own Property? Check with your lender
If you have an existing mortgage and are considering co-ownership:
Your current lender or a financial adviser / mortgage broker can explain how your loan may be affected.
4. Found a Potential Co-owner?
Seek Independent Legal Advice
If you decide to move forward with someone:
- each person should have their own lawyer
- agreements should outline rights, responsibilities, exit options, and processes
Independent advice helps protect all parties.
5. Apply for a Loan (If applicable)
If you choose to apply for a joint or co-loan:
- your broker or lender will explain requirements
- they will handle assessments, documentation, and approvals
Loan processes are managed entirely outside the platform.
6. Finalise Ownership
When all parties are ready to proceed, a lawyer or conveyancer typically handles:
- transfer of funds
- registration of ownership
- ensuring legal requirements are met
Letterbox AU 2026
Letterbox is a digital classifieds platform for property co-ownership connections.
We do not provide financial advice, recommendations, or brokerage services.
