Canada's First AI-Matched Co-Ownership Platform

The home you want
is within reach —
together.

ProckMarket matches you with financially compatible co-buyers so you can own real estate in Canada — even in this market. Intelligently paired. Legally protected. Yours.

Apply to Get Matched How It Works

PIPEDA Compliant

Licensed Advisors

256-bit Encrypted

The reality in Canada

Owning alone is nearly impossible.

$1.1M

Average Toronto home price

18 yrs

To save a 20% down payment on median income

72%

Of millennials can't qualify for a mortgage solo

4×

More purchasing power co-owning with Prock

Find my co-buyers →

The Reality

This generation was priced out.
We're changing that.

Toronto's average home price has crossed $1.1 million. Vancouver isn't far behind. For working Canadians earning $60K, $80K, even $120K — solo homeownership has become a fantasy, not a milestone.

The system demands a down payment that takes over a decade to save, a mortgage that consumes more than half your income, and a credit profile most Canadians simply haven't had time to build.

ProckMarket doesn't wait for the market to change. We use AI to find your ideal co-ownership partners — people with aligned financial profiles, compatible goals, and similar risk tolerance — so you can own property together, legally and confidently.

62%

of Canadian renters say they will never own a home in their city

18yrs

Average time to save a 20% down payment in Toronto on a median income

$243K

Average required down payment on a Toronto property today

3.1M

Canadians aged 25–44 renting who want to own property

The Process

Four steps to co-ownership.

From profile to keys — our advisors guide you through every stage, with legal protection built in from day one.

Build Your Profile

Submit your financial snapshot — income, savings, credit range, and target area. Secure, encrypted, PIPEDA-compliant from the first click.

AI Matching

Our platform cross-references financial compatibility, location preferences, and co-ownership goals to surface your best potential partners.

Meet Your Matches

A dedicated Prock advisor introduces you to vetted co-buyers. Review each other's profiles and decide if the fit is right — financially and personally.

Close Together

Legal co-ownership agreements, title structures, exit clauses, and mortgage coordination — all structured to protect every party at every stage.

Get Started

Data stored exclusively on Canadian servers under PIPEDA

256-bit encryption. Never sold. Never shared without consent.

Every match reviewed by a licensed real estate professional

Co-ownership agreements by licensed Canadian real estate lawyers

A Prock advisor will contact you within 2–3 business days

Step 01About You

Step 02Finances

Step 03Property Goals

Step 04Co-Ownership

Tell us about yourself

Basic contact information and where you're currently based. All fields are required.

First Name

Last Name

Email Address

Phone Number

Province of Residence

Current City

Age Range

Employment Status

Your financial profile

Used only for compatibility matching. Never shared with potential matches without your explicit consent.

Your financial data is encrypted and only visible to licensed Prock advisors — never to other applicants without your consent.

Annual Gross Income (CAD)

Household Income (if applicable)

Estimated Credit Score Range

Below 600 600 – 649 650 – 699 700 – 749 750 – 799 800+

Available Down Payment / Contribution (CAD)

$50,000 up to $500K+

Total Existing Debt

Do you currently own property?

Pre-Approval Status

Property preferences

Where do you want to buy, and what are you looking for? Be as specific or broad as you like.

Primary Target City / Region

Open to Alternative Markets?

Property Type Preference

Condo Townhouse Semi-detached Detached Multi-unit Open to any

Target Combined Budget (CAD)

$650,000 up to $3M+

Primary Purpose

Purchase Timeline

Additional Notes on Property Goals (optional)

Co-ownership preferences

Help us understand who you'd be comfortable sharing ownership with and how you envision the arrangement.

How many co-buyers are you open to?

Just 1 other Up to 2 others Up to 3 others Flexible / open

Living arrangement preference

Purely investment — no one lives there I live there, co-buyers invest All co-buyers live there Open to any arrangement

Intended Ownership Share

Exit Strategy Timeframe

Risk Tolerance

Are you working with a real estate agent?

Anything else you'd like us to know? (optional)

I consent to ProckMarket collecting and processing my personal and financial information for co-buyer matching purposes, as described in the Privacy Policy. I may withdraw consent at any time. This platform operates under PIPEDA and applicable Canadian provincial privacy laws.

You're on the list.

Your profile has been received. A member of the Prock team will review your submission and be in touch within 2–3 business days to discuss potential matches and next steps.

REF — PM-2026-XXXX

A confirmation has been sent to your email address.

Why ProckMarket

Built for real people.
Protected by design.

Every feature, every legal clause, every advisor interaction is built around one goal: getting you into property ownership safely.

AI-Powered Compatibility

Our matching engine evaluates income-to-debt ratios, credit profiles, target markets, and co-ownership goals to surface buyers who are genuinely aligned.

Legal Framework Included

Every arrangement is backed by a tailored co-tenancy agreement covering ownership percentages, exit clauses, dispute resolution, and default scenarios.

Proportional Ownership

You own exactly what you contribute. Equity is tracked, documented, and legally registered. Growth, rental income, and sale proceeds are distributed accordingly.

Human-Verified Matches

No blind introductions. Every match is reviewed by a licensed Prock real estate professional before any parties are connected. We vet before we connect.

Canadian-First Platform

Built for PIPEDA compliance, FINTRAC obligations, and provincial land transfer requirements. We understand Canadian real estate — it's all we do.

Transparent Exit Planning

Prock structures every deal with clearly defined exit paths — buy-outs, third-party sales, and forced sale triggers — so everyone knows the plan from day one.

Legal & Privacy

Your rights.
Our responsibility.

ProckMarket is built on a foundation of Canadian law compliance. Here is exactly how we protect you.

Canadian Privacy Law (PIPEDA)

All personal data collected with explicit, informed consent
Financial information stored on Canadian-sovereign servers
Right to access, correct, or delete your data at any time
No data sold, licensed, or shared without consent
Full compliance with PHIPA (Ontario) and Law 25 (Quebec)

Anti-Money Laundering (FINTRAC)

All users subject to identity verification under FINTRAC
Source of funds documentation required before any transaction
Suspicious transaction reporting in full compliance
Politically Exposed Persons (PEP) screening applied

Co-Ownership Legal Structures

Tenants-in-Common (TIC) title — separable ownership shares
Co-Ownership Agreement by licensed Canadian solicitors
Right of First Refusal (ROFR) clauses between co-owners
Defined dispute resolution (mediation before litigation)
Mortgage default and forced-sale provisions documented

Data Security

256-bit AES encryption for all data at rest and in transit
Multi-factor authentication required for all accounts
Annual third-party security audits
72-hour mandatory breach notification under PIPEDA
SOC 2 Type II certification in progress

Ready?

Stop renting someone
else's dream.

The window into Canadian real estate doesn't have to stay closed. ProckMarket is how this generation gets in.

Apply to Get Matched

1. Who We Are

ProckMarket Inc. ("ProckMarket," "we," "us," or "our") is a corporation registered in Canada, operating the co-ownership matching platform at www.prockmarket.com. We are subject to the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation including Ontario's PHIPA and Quebec's Law 25 (Law 25 of 2021).

2. What Information We Collect

We collect the following categories of personal and financial information when you submit an application:

Identifying information: full name, email address, phone number, province and city of residence, and age range
Financial information: income range, household income, estimated credit score range, available down payment, existing debt levels, property ownership status, and mortgage pre-approval status
Property preferences: target location, property type, budget range, purchase purpose, and timeline
Co-ownership preferences: number of co-buyers, living arrangement, ownership share structure, exit strategy, and risk tolerance

3. How We Use Your Information

Your information is used exclusively for the following purposes:

Assessing your co-ownership compatibility with other applicants in our system
Facilitating introductions between financially compatible co-buyers, with your explicit consent before any introduction is made
Communicating with you about your application status and potential matches
Complying with our legal obligations under FINTRAC, PIPEDA, and applicable provincial legislation

4. Data Storage and Security

All personal and financial data collected by ProckMarket is stored on Canadian servers. We use 256-bit AES encryption for all data at rest and in transit. Access to your data is restricted to licensed ProckMarket advisors on a need-to-know basis. We conduct annual third-party security audits and maintain a mandatory 72-hour breach notification policy in accordance with PIPEDA.

5. Data Sharing

We do not sell, license, rent, or share your personal information with third parties for commercial purposes. Your financial information will never be shared with potential co-buyers without your explicit, prior, written consent. We may share anonymized, aggregated data for platform analytics. We may disclose information to law enforcement or regulatory authorities when required by law.

6. Your Rights

Under PIPEDA and applicable provincial law, you have the right to: access the personal information we hold about you; request correction of inaccurate information; withdraw consent for processing at any time (subject to legal obligations); request deletion of your data; and file a complaint with the Office of the Privacy Commissioner of Canada.

To exercise any of these rights, contact us at: privacy@prockmarket.com

7. Retention

We retain your application data for a maximum of 24 months from the date of submission, unless you request earlier deletion, or unless retention is required for legal or regulatory purposes.

8. Contact

Privacy Officer, ProckMarket Inc. · privacy@prockmarket.com · Toronto, Ontario, Canada

1. Acceptance of Terms

By accessing or using www.prockmarket.com ("the Platform"), you agree to be bound by these Terms of Use. If you do not agree, do not use the Platform. These Terms constitute a legally binding agreement between you and ProckMarket Inc.

2. Nature of the Platform

ProckMarket is a co-buyer matching and referral platform. We are not a licensed real estate brokerage, mortgage broker, lender, financial advisor, or legal services provider. We connect prospective co-buyers for informational and introductory purposes only. All real estate transactions, legal agreements, and mortgage arrangements must be conducted through appropriately licensed professionals.

3. Eligibility

You must be at least 18 years of age and a Canadian resident to use this Platform. By submitting an application, you represent that the information provided is accurate and complete to the best of your knowledge.

4. No Guarantee of Match or Transaction

Submitting a profile on ProckMarket does not guarantee that you will be matched with a co-buyer, that any co-ownership arrangement will be completed, or that any property will be purchased. Matches are subject to advisor review, mutual consent, and third-party factors outside ProckMarket's control.

5. User Conduct

You agree not to submit false, misleading, or fraudulent information; to use the Platform for lawful purposes only; not to attempt to contact other applicants outside of the ProckMarket-facilitated process; and not to use data obtained through the Platform for any commercial purpose other than a co-ownership transaction.

6. Limitation of Liability

ProckMarket is not liable for any co-ownership arrangement, property transaction, or financial outcome arising from introductions made through the Platform. Any co-ownership agreement entered into between matched parties is solely the responsibility of those parties and their respective legal counsel. ProckMarket's maximum liability to any user shall not exceed the fees paid to ProckMarket by that user.

7. Intellectual Property

All content on this Platform, including text, design, logos, and software, is the property of ProckMarket Inc. and protected under Canadian copyright law. Unauthorized reproduction is prohibited.

8. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.

9. Changes to Terms

We reserve the right to update these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the revised Terms.

10. Contact

hello@prockmarket.com · ProckMarket Inc., Toronto, Ontario, Canada

The home you wantis within reach —together.

This generation was priced out.We're changing that.