The A25 Model
A coordinated framework that integrates land, capital and governance — so affordability is embedded from the outset and structurally protected across generations.
Building the financial and governance rails for a housing system designed to last.
Philanthropic capital enters the system once and keeps working — the A25 Foundation funds early-stage projects, gets repaid, and redeploys into the next. The Bond Facility scales that base into senior project funding, creating a reinforcing cycle where every dollar of seed capital unlocks significantly more in private finance.
Seed capital is not spent once. It becomes catalytic infrastructure.
Three pathways to affordable housing
A25 delivers housing through three structured pathways — each grounded in transparent costs, disciplined margins and long-term stewardship. The right pathway depends on the land, the community and the project context.
Leasehold Pathway
A 99-year leasehold where land is retained by council, church or long-term custodian. Homes are sold independently of the underlying land.
Indexed ground rent provides stable income for landowners with no upfront capital required. At lease expiry, land is reassessed to meet future community needs.
Freehold Pathway
Delivered by a registered not-for-profit with charity-backed concessional finance. Homes are sold on a transparent cost-plus-capped-margin basis.
Eligibility and resale controls protect long-term affordability — freehold ownership without excessive profit extraction.
Build to Rent Pathway
High-quality rental housing delivered on partner land, structured for institutional or impact-aligned capital.
Targeted to moderate-income households and essential workers, with embedded affordability and governance protections.