Rent to Buy: What is it and How Does it Work?

In a housing market where rising prices and strict lending rules have left many aspiring buyers feeling locked out, we’re offering a fresh approach: rent-to-buy. This alternative pathway gives renters the opportunity to move into their dream home today - with the option to buy it later when they’re ready.

What is Rent to Buy?

At its core, the rent-to-buy allows you to move into a home now, pay rent while building up a deposit, and buy the property later at a pre-agreed price. You don’t need a mortgage or even a large deposit up front to get started.

Who is it for?

Rent to Buy is ideal for people who:

• Are first-time buyers or returning to the market
• Have a stable income but struggle to save a deposit
• Are committed to the long-term goal of homeownership

How does it work?

1. Find a Home on the Keyzy Property Portal You can find a list of exquisite new build homes on the Keyzy website. You simply browse available properties in your area, choose the one that suits your lifestyle and budget, and apply.

2. Move In with a Fixed Monthly Rent You’ll rent the home with a fixed monthly rent for 2 or 3 years - no unexpected increases. That means total stability while you prepare to buy.

3. Grow Your Deposit While Renting Up to 100% of your rent is saved for your future deposit if you buy the home. This “converted rent” helps build your deposit over time, without needing to save extra cash on the side.

4. Buy the Home When You’re Ready When you’re ready, you can buy the home at the pre-agreed buy-back price. That price is locked in from the start, so you’re protected if house prices rise.

5. No Pressure If You Change Your Mind Life happens. If you decide not to buy at the end of your lease, you can walk away. You’ll have had a stable place to live and a shot at homeownership with none of the upfront risks.

Good to know: Rent to Buy gives you time, flexibility, and control. You don’t need to rush - just build your savings and prepare for the right moment.

The Pros of Rent-to-Buy

1. Move In Now, Buy Later You don’t have to wait years to save a deposit. You can move into your future home today and buy it when you’re ready.

2. No Large Deposit Upfront Unlike traditional buying, you don’t need tens of thousands saved. Keyzy charges a one-time fee (usually £999), but no deposit is required to start.

3. Fixed Purchase Price From day one, your buy-back price is locked in. That means if the property’s value increases over time, you still pay the agreed price - potentially gaining equity before you even buy.

4. Stability with Fixed Rent Your rent is fixed for 2 or 3 years, giving you financial predictability and shielding you from rent hikes.

5. Try Before You Buy You're living in the exact home you may buy one day. It removes the guesswork - if you love it, you buy it. If not, you walk away.

6. Flexibility to Walk Away Life can change, and Keyzy offers the flexibility to walk away at the end of your lease with no obligation to buy. There’s no exit fee or penalty (though you won’t get your converted rent back).

7. A Clear Path to Ownership For people stuck renting with no end in sight, Keyzy offers a real, structured path to buying a home - without the traditional barriers.

A Quick Example

Let’s say you choose a home, on the Keyzy website, listed for £549,000. Your monthly rent is £2,310.

• Over 2 years, you pay £55,440 in rent
• That entire £55,440 goes toward your deposit
• After 2 years, you’ll have the option to buy that home at the pre-agreed price of £549,000

By the time you're ready to buy, you've already built a £55K+ deposit - without saving separately or moving homes.

Final Thought

Keyzy offers something radically different from traditional renting or buying. It’s a stepping stone to homeownership - designed for real people with real goals, who just need time to get mortgage-ready. You live in your future home, build your deposit with every rent payment, and decide when the time is right to buy.

If you’re tired of renting with nothing to show for it, Keyzy’s rent-to-buy model could be your fastest route to owning a home**.