Own the home you love.
Pay only for the share you use.
Indiviso makes it possible to own a genuine deeded share of a premium holiday home - at a fraction of the cost, with none of the hassle. Real ownership. Real enjoyment. Shared intelligently.
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WHEN YOU CAN PAY 10% OF THE COST FOR 100% OF THE TIME?
Co-Ownership
Properties Explained
Most holiday homes in Europe sit unused for more than 80% of the year, yet traditional owners still bear 100% of the purchase price, taxes, and upkeep.
Co-ownership offers a smarter alternative: you buy only the share you actually use.
With co-ownership, you purchase a genuine deeded share - typically 1/8 - of a high-end holiday home. In return, you enjoy several weeks of personal use each year while sharing the costs with a small group of like-minded owners.
Why pay for more than you use each year?
Whether it's a yacht, a jet, or a luxury property, levelling up for less is why fractional ownership makes sense to thousands of people every year. Enjoy luxury holidays each year by co-owning your dream property with less financial commitment than buying a vacation home outright.
The Benefits of Co-Owning a Holiday Home
Co-ownership makes premium property ownership more accessible, more efficient, and better suited to how people actually use a second home.
Deeds & capital growth
Own a deeded share of the company that owns the property & enjoy capital appreciation of the asset.
Hassle-free overseas purchase
There's no need to navigate the complexities of overseas property laws alone with us by your side.
Only pay for the share you use
Co-owning is the intelligent way to own a luxury vacation home, sharing the costs for the time you're there.
Fully managed all of the time
Enjoy full property management services for the upkeep & maintenance & eliminate worries of having an empty property.
Earn rental income
Rent out any unused weeks for extra revenue with the assistance of the property management service.
Share the running costs
Take away the sole financial responsibility by just paying your share of the costs equally split between owners.
Timeshare vs. Co-Ownership
Many people use the words "timeshare" and "co-ownership" interchangeably. They are not the same.
Traditional timeshares usually give you only the right to use a property for a limited time.
Indiviso Co-Ownership gives you actual legal ownership of a share in a premium property - with real equity, flexibility, and long-term value.
| Aspect | Indiviso Co-Ownership | Timeshare |
|---|---|---|
| What You Own | Deeded percentage share of the property | Right to use (contract) |
| Number of Owners | 1-8 co-owners | 20-52+ |
| Flexibility | Highly flexible based on ownership % | Fixed weeks, blackout dates, limited availability |
| Equity & Appreciation | Real equity with market appreciation potential | Usually none / depreciates |
| Resale Value | Can be sold on open market | Very low or none |
| Property Quality | Premium private properties | Standard resort units |
Your home on the Costa del Sol
Indiviso is a Costa del Sol real estate agency. Most of our clients buy their home outright – but if a shared holiday home suits you better, our guide explains smart co-ownership in detail.
Frequently Asked Questions
- What is Indiviso?
Indiviso helps buyers own a share of a professionally managed holiday apartment in Spain. Instead of buying the full property and carrying all the costs alone, you buy a fractional ownership share, typically 1/8, and receive proportional use of the apartment. Indiviso then coordinates the practical side: property preparation, maintenance, booking, cleaning, owner communication and selected rental support where the property is suitable and legally permitted.
- Why does 1/8 co-ownership make sense for a holiday apartment?
Most second homes are not used all year. Owners often use them for a few weeks annually, while still paying 100% of the purchase price, taxes, community fees, repairs, utilities and management. A 1/8 share is designed around realistic holiday use. You own less of the asset, pay a smaller entry price, share ongoing costs with other owners and still enjoy regular access to a high-quality apartment in Spain.
- Am I really an owner?
Yes. Indiviso is based on co-ownership, not a hotel membership or prepaid holiday package. The exact ownership structure is explained for each property before purchase, including what you buy, what rights are attached to your share and how decisions are made between owners.
- What exactly do I buy?
You buy a share in the company that owns that apartment. Your share gives you proportional economic rights, usage rights and responsibility for shared costs. The details are property-specific, so Indiviso provides a buyer pack with the purchase structure, cost breakdown, owner rules and key legal documents before completion.
- How many co-owners are there in one apartment?
The standard Indiviso model is based on eight shares per apartment. A 1/8 share gives you proportional use and proportional cost responsibility. In some cases, a buyer may purchase more than one share. For example, a 2/8 share gives more usage and a larger economic interest, but also a larger share of ongoing costs.
- How is Indiviso different from timeshare?
A timeshare normally gives you a right to use accommodation for a certain period. It is typically a usage product, not direct participation in the underlying property value. With Indiviso, you buy a share linked to a specific property ownership structure. You participate as a co-owner according to your share, with rights and obligations set out in the purchase and owner documents.
- What ongoing costs should I expect?
Ongoing costs are shared between co-owners. They can include community fees, insurance, utilities, cleaning, repairs, maintenance, property management, accounting, local taxes, booking administration and reserve contributions for future works. Some costs are fixed and shared according to ownership share. Other costs, such as cleaning after your stay or heavy utility use, may be charged according to actual usage where practical.
- Can I rent out unused time?
In principle, unused time may be rented out if the property, building rules, local regulations and tourist licence position allow it. Rental availability is not the same for every apartment, so this must be checked property by property. Where rental is possible, Indiviso can help coordinate the process so that bookings, cleaning, guest communication and owner accounting remain controlled.
- Who manages cleaning, maintenance and repairs?
Indiviso coordinates the day-to-day management of the apartment. This includes cleaning between stays, routine inspections, maintenance coordination, supplier management, owner communication and preparation for upcoming visits. For repairs, Indiviso obtains and coordinates suitable suppliers, keeps records and allocates costs according to the owner agreement.
- Can I sell my share?
Yes. Your share can be sold, subject to the owner agreement and any minimum holding period, transfer rules or approval process that applies to the property. Indiviso can assist with resale by presenting the share to potential buyers, explaining the ownership structure and coordinating the practical transfer steps.