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Explore Fractional Ownership with Harding's International Realty

Fractional Ownership Resorts in Barbados

We represent some of the most exclusive resorts Barbados has to offer.

What is Fractional Ownership?

Fractional Ownership is an investment approach whereby the cost of an asset is split between several individual shareholders rather just one sole owner. This is a concept that has previously been very popular with luxury cars, aircraft or boats, but in recent years has rapidly gained attention and traction in real estate, particularly holiday homes.

Although similar to a timeshare, Fractional Ownership offers better security and investment return as you’re purchasing a deeded share of a freehold property and are entitled to use the property for a defined period each year. The greater the share you purchase the longer period of time you will have throughout the year to use.

What are the Advantages of Fractional Ownership?

Low Maintenance Costs
Sharing ownership means all maintenance costs are also shared, this could include HOA fees, repairs, gardening, utilities, management and other expenses or subscriptions.
Rental Income
The time period that you own is yours to use how you wish, you can use it, lend it to your friends/family, or rent it for extra income!
Capital Appreciation
Fractional Ownership gives you a deed/share to a property title. Therefore the value of your share in the property could increase if the property market grows.
Diversification
Purchasing Fractional Ownership means you can spread your portfolio further by having multiple fractions in multiple destinations.
Lower Cost of Entry
Purchasing Fractional Ownership allows you to purchase a property that might otherwise be out of reach or impractical to own outright.
Usage Perks
Fractional Ownership properties often come with personal usage perks, such as memberships and access rights to resorts and shared facilities.
Hands Off
Fractional Ownership properties are usually managed and maintained by a resort team, therefore making it a hands-off investment.
Deeded Ownership
Fractional Ownership properties give you a deed/share to a property title. This can be sold, gifted or passed down in your will.
Fast Purchase
Fractional Ownership properties do not need to be conveyed, therefore ownership can be obtained within days/weeks.

Fractional Ownership FAQs

Fractional Ownership is an investment approach whereby the cost of an asset is split between several individual shareholders rather just one sole owner. This is a concept that has previously been very popular with luxury cars, aircraft or boats, but in recent years has rapidly gained attention and traction in real estate, particularly holiday homes.

Although similar to a timeshare, Fractional Ownership offers better security and investment return as you’re purchasing a deeded share of a freehold property and are entitled to use the property for a defined period each year. The greater the share you purchase the longer period of time you will have throughout the year to use.

Although they are very similar concepts and both allow you to enjoy a property for certain periods throughout the year, there is one major difference between them.

A timeshare is simply purchasing the right to use a property for a given time frame, whereas Fractional Ownership is actually purchasing shares of a property.

Lifestyle. Fractional Ownership gives you the chance to own a portion of one or more properties in prime locations that might otherwise be outside your financial reach. With all the costs being shared you can enjoy a high-end luxury property without breaking the bank. You could have shares in a Caribbean Condo, a French Ski-Chalet, a Mountain Cabin… all for a fraction of the cost!

Low Maintenance Costs. As you share ownership, all maintenance costs are also shared, this could include HOA fees, repairs, gardening, utilities, management fees and other expenses or subscriptions.

Rental Income. The time period that you own is yours to use how you wish, you can use it, leave it empty, lend it to your friends/family, or rent it for extra income!

Capital Appreciation. Fractional Ownership gives you a deed/share to a property title. This means that the value of your share in the property could increase if the property market grows, giving you capital appreciation.

Finance. Fractional Ownership in Real Estate is still a relatively new concept and many traditional banks are not aware of it, and therefore do not offer finance (by way of mortgages & loans). This means the most straight forward option is to purchase shares outright in cash.

Repeated Vacations. As with any holiday home (whether owned fractionally or outright), you’re tied to enjoying the same property/location every year instead of perhaps going to a different destination for each holiday.

Slow Selling. As you’re not selling the entire property (just a fraction/share), the audience is more limited than usual and therefore it could take a long time to find a buyer looking to purchase your share.

Once you have selected the right property and desired weeks you wish to purchase, a purchase agreement and promissory note is signed.

A 10-20% deposit is taken to secure your weeks while we discuss a suitable payment plan for the full funds (typically the full funds are paid within 30 days of signing).

Once paid, ownership certificates are issued and you are officially a Fractional Owner.

All due-diligence and compliance has been performed by the developer during the process of placing the share certificates/properties into the trust – First National Trustee Company (FNTC). You’re welcome to have legal review of the contract/agreement, but it is not required for the transaction.

Yes, you are able to rent your Fractional Ownership.

Yes, you are able to sell, transfer, gift or will your Fractional Ownership at any time. We’re happy to re-market your Fractional Ownership on your behalf, or you can use any agent/third-party website you prefer. Owners often choose to change their Fractional Ownership to better reflect their needs, whether that’s to sell completely, or to trade-in for full ownership.

All ownership/share certificates are held by First National Trustee Company (FNTC). This is a third-party trustee that acts as the protectorate of the ownership in order to guarantee your right of ownership and management of the properties.

The trustee also assists owners in voting to replace the management company if needed.

This structure continues independent of the developer.

Explore Our Featured Fractional Listings

Whether you're looking for Christmas in a large villa or a quick summer escape in an apartment, there's a slice for everyone!

Royal Westmoreland Golf Resort

Royal Westmoreland is a world-class golf and beach resort located in St James on the prestigious West Coast of Barbados.

Covering around 900 acres of lush tropical landscape, this gated community hosts over 300 beautiful homes, many with stunning sea views, immaculately landscaped grounds, lakes and nature trails.

Being protected by 24/7 on-site security, we believe that Royal Westmoreland is one of the (if not ‘the’) best, exclusive, vibrant, openly-friendly yet incredibly secure, members community on the island.

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