Our Manifesto

Why we do what we do. The values and principles that guide us.

Why We Exist

HomeGrif was born from a simple observation: the generation born in the 1970s often has only one significant asset — their apartment. But this asset is "dead capital" — you cannot live off it while you live in it.

Your home is your second pension. We help you unlock it.

Our Principles

1. Transparency

No hidden conditions, no asterisks. Everything is clear and understandable in the contract. If you don't understand something, we'll explain it.

2. Fairness

The product is designed to be beneficial for both sides — for you and for investors. It's not a one-sided advantage.

3. Lifetime Guarantee

The rent continues without time limit — to 90, 100, 110 years. If you live longer than average, the rent stays with you. We bear the longevity risk.

4. Empathy

HomeGrif is built the way we would want it for our own parents. Designed from the pensioner's perspective, not a financial institution's.

5. Long-term Relationship

We're not here for a one-time deal. We're building a relationship for decades. Your satisfaction is our reputation.

Our Commitments to You

  • You always remain the owner of your apartment — legal title stays with you
  • No one will ever evict you — guaranteed lifetime residence
  • Rent without time limit — even if you live to 110 years
  • Earlypass guarantee — 50% value for heirs in case of early death
  • Clear contract — no hidden fees or conditions
  • Fair exit — option to terminate the contract under defined conditions

Who HomeGrif is For

HomeGrif is for you if:

  • You own an apartment without a mortgage and want to generate income from it
  • You want to help your children financially now, not after death
  • State pension is not enough for an active life
  • You want to live out your days in your apartment where you spent your whole life

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Living document • Last updated: December 2025 • v1.0