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fix your rent,
buy later.

The zero deposit, rent to buy solution creating a better path to home ownership.

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Keyzy gives you superior buying power

We offer a higher budget than traditional mortgage lenders. And you don't require a deposit.
Annual household income

deposit needed

High street banks: undefined+

Estimated budget

High street banks:

Why Keyzy

Rent that rewards

Rent that rewards

Keyzy converts part of your rent into a deposit when you buy your home.

Property Price Lockdown

Property Price Lockdown

Today’s property price is locked in. You keep the gains.

Easy Keyzy

Easy Keyzy

Keyzy handles the buying process. No sweat.

No surprises

No surprises

No unexpected fees or increases. Monthly payments stay the same.

No deposit, no problem

No deposit, no problem

We know how hard it is to save. Get a home, 0% deposit required.

Ready to rent to buy your dream home?

Get in touch: [email protected]

Or apply for your Budget in Principle

Sign up now

How it works


Meet our homeowners

* Stock images used to protect the privacy of our customers

Steve, 29 & Ashna, 30

First time buyers

We really liked how simple and effective the whole process was. At first we thought the offer was too good to be true - but the fact that it was so easy to communicate with everyone in the team made it so seamless because we could pick up the phone or email anyone if we had any issues or concerns.


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Got questions?

Have a look through our frequently asked questions.

How much deposit do I need?
You don’t need a deposit. That's the beauty of Keyzy! If you have savings you can keep hold of them until you're ready to buy the home. We also convert up to 25% of your monthly payments towards reducing the price you pay for the home later.
What is the minimum household income required?
You need to have a minimum household income of £30,000 before tax.
What are the basic eligibility criteria?
You will need to be over 18 and have the right to live in the UK. We will also do an industry-standard check on you using secure and modern technology including:
  • Verifying your income and outgoings (using Open Banking)
  • Checking for fraud and bankruptcy (using credit bureaus)
  • Reference checks with landlords and employers
What happens if I want to move somewhere else?
At the end of your lease you are free to leave, but we still want you to get any potential increase in the property value. You can find a buyer for the home at any time during your lease, and keep all the upside. You just need to make sure it is sold at a price equal or above the original purchase price including out costs. You also get up to 25% of your rental payments back (minus an early exit fee of 2% for selling the home).
How much do I pay Keyzy to buy the home?
If you choose to buy, the price you pay will be made up of the original purchase price we paid for the home plus our costs (e.g., stamp duty and legal fees). This price is agreed before your lease starts. Each month, up to 25% of your rent payments go towards reducing the eventual price you pay. In other words, your purchase price will go down over time.

Apply to rent to buy your future home

Get in touch: [email protected]

Or apply for your budget

Sign up now
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Keyzy is a trading name of Kollitom Ltd, a company registered in England and Wales (Company No. 13075506) with its office at LABS Atrium, Chalk Farm Rd, London, NW1 8AH.

Keyzy’s offering does not fall within the scope of financial services regulation. Customers should ensure they understand what this means before they use the Keyzy product.

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