How it works
Solution: Investment you can enjoy NOW
We solve the
- high costs,
- underutilisation, and
- management challenges
of traditional vacation homes.
Shared ownership.
- 10 families own 3 luxury houses together.
- Each gets 100 days (3 months)
- Downpayment 6M
- Affordable Access to Luxury Homes
- Flexibility and Variety
- Hassle-free AI-driven Management
- Guaranteed Quality and Convenience
- Environmentally and Socially Responsible
Product Overview - The HEIMKOMA Experience
Our service does it all: houses, digital platforms, and financial care in one seamless package.
Premium Vacation Homes
- Three prime Locations: Diversity
- Luxury Amenities: High-end, technology, and private lockers
- Hassle-Free Management: We handle everything
- Sustainability Focus
Digital Platform
- Easy Booking & Management: App & web: Real-time info
- Personalised Dashboard: Everything in one place
- AI-Powered Efficiency: Automation & optimisation
Flexible Financial Services
- Financing: Low upfront payment. We take care of the rest
- Rental Income: Earn income from unused days without hassle
- Transparent Financial Tracking
HEIMKOMA makes luxury vacation home ownership easy, sustainable, and affordable for modern families.
Investment you can enjoy NOW
We solve the high costs, underutilisation, and management challenges of traditional vacation homes.
How it works for the families that join
Here’s how the process works for families joining HEIMKOMA:
Down Payment
To join HEIMKOMA and become a co-owner of three luxury vacation homes, each family makes a minimum 20% down payment.
This comes to around 6 million ISK.
The higher the downpayment, the lower the monthly loan payment.
Loan Payments
The total cost of the investment is 30 million ISK.
After the 20% down payment, the remaining 80% (24 million ISK) is financed through a 20-year loan.
Families pay this loan off through manageable monthly payments.
Monthly Fees
In addition to the loan payments, families are responsible for maintenance and membership fees, which are around 90,000 ISK per month.
These fees cover property upkeep, regular cleaning, security, and other services that ensure a hassle-free ownership experience.
This model offers families access to premium vacation homes without the stress of full ownership, while also ensuring properties are well-maintained.
A typical example would be a family paying a 30% down payment, which comes to 9 million ISK. The remaining 70% (21 million ISK) is financed with a 20-year loan.
The monthly payment for the loan would be around 190,000 ISK, and the monthly maintenance and membership fee would be about 90,000 ISK.
This means the total monthly cost is 280,000 ISK. It’s an investment you can enjoy with full access to three luxury vacation homes. If your circumstances change or you stop enjoying it, you have the option to sell your share at any time.
Investment you can enjoy NOW
How a family can exit Heimkoma
Exit within 12 months
If your circumstances change after the first 12 months, you have options to sell your share.
Direct Sale
You can either sell your share directly to another family.
Or, you can ask HEIMKOMA to assist in finding a buyer.
Guaranteed Buyback
If, after 18 months, you haven't found a buyer, HEIMKOMA will purchase your share based on a price calculated according to the purchase contract.
Flexible Ownership
Heimkoma is a profitable investment, in your family.