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Take the next step in buying a second home. We’re excited to help you turn this dream into a reality, and we’re here to support you with all the information you need to make it happen.

Let’s buy your dream second home together

Fractal and timeshares are different in several ways. In a traditional timeshare, you purchase the right to use a property for a set period of time each year, which is typically pre-determined and with limited flexibility for changes.

In contrast, with Fractal, you truly own a portion of a real estate asset, have more flexibility in booking the dates that work for you, and you have much more visibility should you want to sell your share in the future.

Additionally, unlike timeshares, which most often depreciate in value, Fractal allows you to keep any appreciation in value of the property over time.

Timeshares involve buying a time allocation, a specific week or weeks from a resort. This usually involves paying an upfront fee and then annual or monthly maintenance fees for the duration of the agreement.

Owners may also be required to pay additional fees for upgrades or exchange programs. Additionally, most timeshares come with deed restrictions that limit changes to the property, as well as restrictions on renting out or selling the unit.
The number of users in a single timeshare usually ranges between 26 to 52, depending on the length of stay.

Fractional ownership in real estate is when multiple people buy a property together, and then share the costs of ownership, such as taxes, maintenance and general upkeep.

This allows individuals to access and enjoy the benefits of high-end assets at a fraction of the cost of outright ownership.

Each co-owner is entitled to use, enjoy and profit from the entire property. The rights and responsibilities of each co-owner are set out in a written operating agreement that outlines how decisions will be made, how expenses will be divided and how profits will be shared. The agreement also typically sets out the process for selling or transferring ownership of the property. Co-ownership can be beneficial for those who are unable to purchase a property on their own, allowing them to share the financial burden and benefit from shared resources and responsibility.

At Fractal, we have completely re-thought the concept of fractional ownership, taking care of the hassles and complexities that come with a co-ownership structure so that you as an owner can only focus on enjoying your home.

Other articles from our blog which you may find interesting:


London, the perfect location for your second luxury home

Is Fractal a timeshare ?

Owning a vacation home abroad is a dream for many, but the traditional process of purchasing one on your own can be a hassle. It requires coordinating with various contacts such as real estate agents and lawyers, and also taking on the role of property manager, including handling maintenance, scheduling cleanings, and dealing with other tasks. Fractal simplifies this process by providing a turnkey experience and acting as your in-destination expert and partner.
In addition of having the ability of buying your dream home at a fraction of it’s cost, these are top benefits of choosing Fractal over buying on your own:

Fractal takes care of all the management tasks, eliminating the need for you to become the property manager and deal with the stress and responsibilities that come with it. We provide a 24/7 concierge service, making the entire process stress-free and hassle-free.

When you buy a vacation home on your own, you are responsible for maintaining its condition, but Fractal takes care of that for you. We have a trusted team of service providers dedicated to keeping your home in top shape, so you can focus on enjoying your time there.

If you want to generate additional income, renting out your home when you are not using it is a great option. Fractal handles the rental process for you, listing your home on select platforms and handling the maintenance and upkeep.

Fractal offers a complete end-to-end solution, making the buying process turnkey and easy. From start to finish, we help you every step of the way, even after the purchase, so you can fully enjoy the Fractal experience in your new home.

Why choose Fractal over buying a vacation home independently?

London is the perfect location for your second luxury home. With its iconic architecture, world-class culture and endless attractions, it's no wonder that London remains a top destination for luxury living. From the grandeur of Belgravia to the luxury of Knightsbridge and Chelsea, London offers a wealth of options for those looking to purchase a second home. Whether you want to be close to the hustle and bustle of the city or prefer a more relaxed lifestyle in the suburbs, London has something for everyone.

Chelsea is known to be one of London's most luxurious areas. It has a rich history and its streets are lined with chic boutiques and exclusive restaurants. It's the perfect place for a stroll, as well as for a spot of shopping or dining out. The area is home to some of the most beautiful parks in London, as well as galleries and theatres. Chelsea is definitely worth a visit, whether you want to take in the sights or indulge in a bit of luxury.
Have a look at 

London has something for everyone, with its diverse culture, excellent amenities and unbeatable location, it's no wonder that is one of the world's top destinations for luxury living.

Fractional ownership refers to the practice of sharing the expenses of a valuable asset with other individuals while still maintaining partial ownership and the right to use the asset.

Although the concept of fractional ownership may seem straightforward, there are advantages and disadvantages that make it more complex. Before entering into a fractional ownership agreement for a second home, there are several factors to consider.

Rental income generation:
A fractional ownership property has the potential to generate rental income through short-term or long-term rentals, owners will receive a portion of the rental income earned which will help reduce their share of the running costs of the property.

Minimising upkeep and maintenance:
Reducing the burden of upkeep and maintenance is a common benefit of fractional ownership agreements. These agreements typically provide for long-term property management, with owners collaborating to determine the best solutions for addressing any major problems that arise.

Usage rights:
Fractional ownership of second homes grants co-owners the usage rights to a portion of the property, unlike short-term vacation rentals. Essentially, you own a percentage of the property and have the right to use it for a specific period based on your ownership share.

Genuine ownership:
Fractional ownership differs from a timeshare in that it provides genuine ownership for a portion of the property, known as a fractional interest, resulting in true ownership rights. The value of the owner's share in the property fluctuates with the real estate market, meaning any change in value is divided equally among all fractional owners.

Limited financing options:
There are limited financing options available for fractional property ownership, as only a few banks offer mortgages for such purchases.

Less flexibility:
Although it's possible to have partial ownership in multiple properties located in different places, it requires a significant financial investment for each one. Unlike staying in a hotel or renting a property for a short period, fractional ownership might limit your travel options to just one or two favorite places.

For more about buying a fraction in a Fractal home, check out answers to some frequently asked questions 

Pros & Cons of fractional ownership

Yes, it is possible for a group of friends to purchase a property together. Pooling finances with friends can make owning a home more affordable and can also enable friends to buy a larger and nicer home that may be out of reach for each individual.

However, buying a house with friends involves more complex logistics than buying as an individual or couple. There are several options for financing a home with multiple buyers, including traditional lenders or forming a limited company to purchase the property.

Managing ongoing expenses and splitting time amongst members of the group can be challenging aspects of owning a home with friends. It is important to have a clear agreement in place to avoid disputes in the future. This may involve working with a real estate lawyer to draft an operating agreement with provisions around buyouts, paying for repairs and utilities, and entitlement to usage time.

Fractal can also help manage the complexities of co-ownership, from taxes to insurance to managing rentals. Overall, buying a house with friends can be a viable option, but it requires careful planning and communication to ensure a successful and positive experience for all involved.

Is it possible for a group of friends to purchase a vacation home together ?

You just got your second home in London and you wonder what to do with your family?

London is a city full of attractions for children of all ages. From world-famous museums and galleries, to outdoor activities and entertainment, there is something for everyone in the UK's capital. For those looking for a more educational experience, there are numerous historical sites, educational exhibitions and activities that will keep your kids engaged.

And if you're looking for something more exciting and fun, there are plenty of theme parks, zoos, and attractions to choose from. Whatever you choose, you're sure to have a great time with your kids in London!

Here a list of some of our favorite family activities:

 – With its iconic dinosaur skeleton and interactive exhibitions, this museum is sure to be a hit with kids of all ages.

 – Home to more than 750 species of animals, the London Zoo is a great way to educate your children about wildlife and nature.

 – Take a guided tour of the Queen's official residence and witness the changing of the guard ceremony.

 – Enjoy spectacular views of London from the river and spot some famous landmarks along the way.

 – With over 55 rides and attractions, Legoland is the perfect place for a fun-filled family day out.

 – Get up close and personal with thousands of sea creatures in this amazing aquarium.

 – Enjoy spectacular views of the city from the world’s tallest Ferris wheel and then catch a show at the nearby London Eye theatre.

 – Take a tour of this 900-year-old castle and learn about its rich history.

Family activities in London

Selecting the ideal second home can be a daunting task, however Fractal can provide some useful tips to assist you in making the correct decision.

The first step is to determine your budget. It is crucial to establish your budget before embarking on your search to avoid overspending and to narrow down your options.

Next, you need to determine the purpose of the property. Do you want a vacation home, an investment property, or a rental property? Identifying the purpose of the property can help you decide on the location, type, and size of the property.

Location is another critical factor to consider when selecting a second home. You need to consider the local amenities and attractions, and the current state of the local real estate market.

Choosing the type of property you want is also essential. At Fractal, we offer a range of properties in the heart of London, from 

two-bedroom apartments in South Kensington

ingle-family homes in High Street Kensington

. The size, style, and layout of the property should be taken into account when making a selection.

Owning a second home can have financial implications, such as property and council taxes, insurance, maintenance costs, and rental income. It's crucial to consider these factors before making a decision, and Fractal Homes can assist you in navigating these issues.

Ultimately, taking the time to thoroughly consider your budget, the purpose of the property, location, type of property, market conditions, and financial implications will assist you in choosing the ideal second home.

Get in touch with one of our Fractal experts, we can provide you with valuable insights into the local market and help you find properties that fit your requirements and budget.

How to choose the right second home?

We aim to equip you with the knowledge to make informed decisions about purchasing your second home.

Our blog provides new perspectives on the process of purchasing, selling, and managing the ideal getaway.

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Own your dream second home at a fraction of its cost

We aim to equip you with the knowledge to make informed decisions about purchasing your second home.Our blog provides new perspectives on the process of purchasing, selling, and managing the ideal getaway.

We aim to equip you with the knowledge to make informed decisions about purchasing your second home.
Our blog provides new perspectives on the process of purchasing, selling, and managing the ideal getaway.