# Keyzy

> Keyzy is a rent-to-buy (rent-to-own) platform that lets people in London rent a home today, build a deposit through their rent payments, and buy the home later at a locked-in price.

Keyzy bridges the gap between renting and buying for people who want to own a home but aren't mortgage-ready yet. Keyzy purchases homes, rents them to customers on 2- or 3-year leases, and at the end of the tenancy customers can buy the home at the price agreed at the start.

## How It Works

1. **Find your ideal home** — Browse available properties on the Keyzy website (London focus).
2. **Apply with Keyzy** — Complete an eligibility check and application online.
3. **Move in and start saving** — Rent the home at a fixed price. At the end of the lease, buy it at the locked-in price using your accumulated savings as a deposit.

## Key Features

- **Fixed rent for 2 or 3 years** — Rent is locked in for the full lease term, no increases.
- **Your rent becomes your deposit** — Keyzy returns all rent paid at the end of a 2-year tenancy if the customer buys the property.
- **Locked-in purchase price** — The purchase price is agreed upfront. Customers are protected from house price rises during the tenancy.
- **Flexible eligibility** — Lower barrier to entry than a traditional mortgage. No deposit needed to move in.
- **Path to homeownership** — Designed for people who want to buy but need more time to save or improve their credit profile.

## Pricing & Fees

- **Future buyback sum:** One-off payment at the start of the lease for the option to buy the home at a pre-agreed price in the future. £499 for 1 applicant, £999 for 2 applicants, or £1,499 for 3 or more applicants.
- **Rent:** Fixed for the full lease duration — no increases.
- **No exit fees** if you choose not to buy at the end of the lease.
- **Buying costs at end of lease:** standard solicitor fees, stamp duty, and potentially mortgage arrangement fees (not charged by Keyzy).

## Eligibility Criteria

To be eligible for a Keyzy home, applicants must:

- Be 18 or over with the right to live and work in the UK
- Have a combined household income of at least £50,000
- Not have entered an IVA or bankruptcy in the past three years
- Not have any CCJs or defaults registered in the past 12 months
- Not have missed any payments in the past six months (e.g. rent, phone bills)

Income and outgoings are verified via Open Banking. ID is verified digitally.

## Who Keyzy Is For

- **First-time buyers** who want to get onto the property ladder but aren't yet mortgage-ready
- **Key workers** (nurses, teachers, police, fire brigade, etc.)
- Aspiring homeowners in London who need more time to build savings or credit history

## Areas Served

Keyzy operates in London, with properties currently available in or near:
Southall, Hayes, Harrow, Ealing, Clapham, Bermondsey, Hanwell, Wandsworth.

## Links

- Homepage: https://www.keyzy.com
- How it works: https://www.keyzy.com/how-it-works
- First-time buyers: https://www.keyzy.com/first-time-buyers
- Key workers: https://www.keyzy.com/key-workers
- Browse properties: https://www.keyzy.com/properties
- Contact: https://www.keyzy.com/contact
- About: https://www.keyzy.com/about
- Customer reviews: https://www.keyzy.com/customer-reviews
- Blog: https://www.keyzy.com/blog