• We help Renters become Homeowners without needing a mortgage deposit or perfect credit score.

    Spread deposit contributions monthly, whilst also building your credit history. It's a bit like car hire purchase, but for homes.

  • Benefits for Buyers

    Struggling to buy a home because you can't save a mortgage deposit or build an amazing credit history?

    Move in sooner

    No need to wait for perfect credit score or mortgage deposit

    Afford

    Spread deposit payment in monthly installments. Part-Buy, Part-Rent

    Real choice

    Buyer chooses any home they desire. You find or we find

    And more...

    • Enjoy owner benefits, build equity and lock in a purchase price, regardless of market fluctuations.
    • Structured end-to-end process with RenterBuyer to guide you through every step.

    Self employed? New to the UK? or No deposit or credit history...

     

    Click below to find out what you can buy

  • Benefits for Sellers

    Have a property to sell but struggling to get the right price?

     

    Sell your property for free and at a higher price. Get better returns without the hassle of day-to-day property or tenant management. To find out more

  • How it works

    Buying a Rent-to-Own home is as simple as 1-2-3

    1. Tell us about your ideal home and what you can afford

    We assess your eligibility and pre-qualify you for our scheme. No credit checks or commitments to move in

    2. Find your property with us or in the open market

    We match you to a selection of properties on our database or you let us know if you've found one on your own

    3. Agree payment plan, contract and move in

    We negotiate purchase and work with you every step from tenancy to ownership to make sure you don't miss a thing

    Want to find out more what's involved from start to finish? Click on the 10-steps to Buying with RenterBuyer

  • Featured Listings

    A sample of some currently available properties

  • 4 Bed House, London. SE28

    Current Property value: £390,000

    Minimum upfront deposit credit to purchase: £8,000

    Monthly payment needed*: £1,450 - £2,460

    Term to Purchase: up to 3 years

    Conditions: Buyer to be eligible for mortgage at end of term

    Applicable Fees: 0.99% of purchase price, plus £295 after offer is accepted

     

    To receive a list of matched properties to you, Register using the 'Find me a property' link below (only need to register once)

     

    *Monthly payment needed will vary depending on the amount of upfront deposit buyer has available. Lower range is the minimum and the higher range is the maximum monthly payment affordability required

    5 Bed House, Welling. DA16

    Current Property value: £460,000

    Minimum upfront deposit credit to purchase: £11,500

    Monthly payment needed*: £1,680 - £2,830

    Term to Purchase: up to 3 years

    Conditions: Buyer to be eligible for mortgage at end of term

    Applicable Fees: 0.99% of purchase price, plus £295 after offer is accepted

     

    To receive a list of matched properties to you, Register using the 'Find me a property' link below (only need to register once)

     

    *Monthly payment needed will vary depending on the amount of upfront deposit buyer has available. Lower range is the minimum and the higher range is the maximum monthly payment affordability required

    3 Bed House, Gravesend, Kent. DA12

    Current Property value: £290,000

    Minimum upfront deposit credit to purchase: £6,000

    Monthly payment needed*: £1,100 - £1,830

    Term to Purchase: up to 3 years

    Conditions: Buyer to be eligible for mortgage at end of term

    Applicable Fees: 0.99% of purchase price, plus £295 after offer is accepted

     

    To receive a list of matched properties to you, Register using the 'Find me a property' link below (only need to register once)

     

    *Monthly payment needed will vary depending on the amount of upfront deposit buyer has available. Lower range is the minimum and the higher range is the maximum monthly payment affordability required

    3 Bed maisonette, Maidstone, Kent. ME15

    Current Property value: £220,000

    Minimum upfront deposit credit to purchase: £5,000

    Monthly payment needed*: £850 - £1,500

    Term to Purchase: up to 25 years

    Conditions: No mortgage needed to own outright at the end of term

    Applicable Fees: 0.99% of purchase price, plus £295 after offer is accepted

     

    To receive a list of matched properties to you, Register using the 'Find me a property' link below (only need to register once)

     

    *Monthly payment needed will vary depending on the amount of upfront deposit buyer has available. Lower range is the minimum and the higher range is the maximum monthly payment affordability required

    2 Bed flat, Maidstone, Kent. ME15

    Current Property value: £200,000

    Minimum upfront deposit credit to purchase: £5,000

    Monthly payment needed*: £750 - £1,400

    Term to Purchase: up to 25 years

    Conditions: No mortgage needed to own outright at the end of term

    Applicable Fees: 0.99% of purchase price, plus £295 after offer is accepted

     

    To receive a list of matched properties to you, Register using the 'Find me a property' link below (only need to register once)

     

    *Monthly payment needed will vary depending on the amount of upfront deposit buyer has available. Lower range is the minimum and the higher range is the maximum monthly payment affordability required

  • Frequently Asked Questions

    Commonly asked RBits.

    What is Rent-to-own (RTO) or Rent-to-Buy (RTB)? How does it benefit me as a Buyer?

    With RenterBuyer, you don't need 10-25% deposit to buy a home; you don't need a credit score and you are not restricted to new build properties. You can move in with as little as 2-3% deposit and spread the remaining payments over 1-25 years.

    As an example, to purchase a £200,000 flat; you can move in with only a £6,000 deposit upfront and a payment of £1,260 in monthly installment (rent plus deposit credit kept in a secure escrow account). After 2-3 years, you will have built up the deposit and credit history to get a traditional mortgage or for some properties, you can carry on for up to 25 years without ever needing a mortgage or credit check.

     

    It's that simple!

    Why don't I just save up the deposit instead as I've been doing?

    Well you could if you have a good credit history, are happy to wait years to save up and happy to be exposed to future house price movements. Many of our buyers want to move into their ideal home as soon as possible and want the certainty of being able to live in an area close to their work or kids' school without having to worry about the landlord wanting the property back. With RenterBuyer, you get:

    • To buy your ideal home now without having to wait years saving up and being exposed to market fluctuations
    • The stability of being settled in the area you want and the property you want
    • The benefit of locked-in fixed purchase price so if the property prices goes up in value, then you benefit
    • The record of your monthly payments also helping to improve your credit scoring
    • Other home owner benefits like being able to decorate the property as you wish, etc

    How does it benefit me as a Seller, Investor or Developer?

    Simply put, Sellers sell for free, get a higher price for their property; without the hassle and uncertainty.

     

    With RB, you know exactly how much you will sell for, when you will sell and your monthly rent until sold. We remove the uncertainties.

    There is no property management hassle involved, there are no voids to worry about and the property will be well looked after because the tenant is in it to buy.

    Many of our sellers are landlords or developers who invest in property for passive income and to save for their future but do not want any of the hassle and uncertainties. It's all backed up by a legal contract so you know what rent you will get monthly, how much you will sell for and when. To find out more as a Seller, click here

    Is RTO same as Help to Buy, Shared Ownership or similar schemes?

    RenterBuyer is an improvement to the Help to Buy scheme. Our solution has all the benefits of Help-to-Buy but without the limitiations. With RenterBuyer, you do not need a perfect credit score to qualify; you are not limited to leasehold new build properties and we do not have an income cap.

     

    There are also a number of rent-to-buy arrangements out there directly with private landlords/sellers. These schemes are unregulated and many unsuspecting buyers have fallen prey. Our scheme is fully independent, we work with both sellers and buyers to ensure the process is transparent and both parties are protected throughout the entire process.

    What properties can I buy?

    Literally any property you want! Unlike a shared ownership scheme, you are not restricted to leasehold or new build properties only. With RenterBuyer, you can purchase any property - whether it's a freehold barn conversion or even land. If we cannot find a suitable property matching your requirements from our stock, you can even let us know if you have a property in mind and we will approach the owner to purchase on your behalf. The only limit to what you can buy is what you can afford. As responsible scheme provider, we will only approve you for a property you can afford based on your current income and savings.

    Am I eligible?

    Most of our buyers will typically have between 2-5% of the purchase price in savings and have a good stable income to afford the monthly instalments covering both the rent and the equity contribution towards purchase.

     

    Whilst we do not carry our a credit check; as a responsible scheme provider, we will assess your source of income and your eligibility to get a standard mortgage within 2-3 years at the start of the scheme and we work with partner Banks and mortgage lenders to get you an agreement-in-principle on the basis of the property valuation and the affordability information you provide.

    What does it cost?

    Our mission is to make home ownership affordable for anyone who has a good, stable income regardless of their credit history or savings balance. It is completely free to list a property for sale on our site. For Tenant-Buyers, we provide a fully managed process by charging an application fee of £295 (payable after you have found a property and had your offer accepted), plus an arrangement fee of only 0.99% of the property purchase price (payable only after your application is successful and you are ready to move in). The cost of the property and terms can be negotiated with the seller as with any purchase and if you want, we can provide our independent valuation. There are never any hidden fees or small prints from us, never!

    How do I know this is safe?

    Shared ownership, Rent-to-Buy, Lease option agreements, hire-purchase agreements, etc have been around for many years and have a strong legal basis. Ours is an improved version of the Government Help to Buy Scheme, without the need for upfront mortgage nor do we require a credit check to move into the property.

     

    We have a panel of solicitors with vast years of experience to act for you whether as a Buyer or Seller but you can of course use your own solicitor if you already have one. We also work with a number of partner Banks, mortgage lenders and surveyors to ensure the property valuations are fair and that all our Buyers meet a strict eligibility criteria.

     

    All installment purchase credits made by the Buyer is in a secure escrow account with our partner bank to ensure that all money is fully protected and are fully compliant with Financial Conduct Authority rules.

    This is too good to be true?

    Surprisingly, one of the most important remarks we've had is that this is too good to be true. We understand, everyone is skeptical about something new. Every game-changing event is met with some scepticism so we are comforted that this is the initial reaction we get.

     

    First, we do not charge a Seller any fee to sell their property so nothing to lose! Equally, Buyers do not pay any fees until they have found their home and happy to proceed. Our fee structure is totally transparent. Secondly, Rent-to-own is a concept that has existed for many years!. If you've ever purchased a car or other asset using a hire purchase agreement or know anyone who purchased a home on a shared ownership scheme, it's a similar principle. You pay rent on the portion you don't own and build equity with monthly payments on the portion you own.

  • Have a further question, comment or suggestion?

    We'd love to hear your thoughts

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