Home buying help when a mortgage doesn't work
The debt-free way to buy the same type of home you can afford to rent.
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Buying with Wayhome
Due to overwhelming demand, applications to our first fund are now closed.
While we work on launching our second fund, why not take a look at our resale homes?
These are properties already owned by us - and they're available to buy now!
Sign up to join the waitlist for our second fund — or browse current resale homes below.
Browse resale homesBuy a home worth up to 10x your income
With a pre-tax annual household income of £24,000
*Based on UK average first time buyer loan to income multiple May 2021 (UK Finance).
How Gradual Homeownership works
You buy the bit you can afford today
Our funding partners pay for the rest
The house is paid for in full
So, you don't need a mortgage
You pay rent on the bit you haven't bought yet
At fair market value of the home
But, the home is yours to make your own
Nobody can ask you to leave
Buy more each month or in lump sums
The more you buy, the less rent you pay
Meet the Payne family
Before we helped The Payne family buy their dream home, they were struggling to save enough deposit...
“For anyone who has good credit, reasonable household income but not a big enough deposit, this is the perfect route to getting on the ladder...
It was important for us to own our home and have that sense of security, and we treat our staircasing payments just as we would a mortgage.”
Key benefits
Make it your own
You have the freedom to paint the walls, change the carpet or get a pet. After all, it's your home.
Stay as long as you like
It's up to you if, or when, you leave. Nobody can ask you to leave as long as you pay rent.
Fair buying costs
Normal costs like stamp duty are shared fairly. If you're starting with the minimum 5% deposit, you only pay 5% of costs like stamp duty.
Home Restrictions
No new-builds
We only show you homes that have been sold before so we can work out a fair price for them.
No fixer-uppers
We only show you homes that don't need structural work. We don't want you living in a building site.
No buy-to-lets
We want to help people looking for a home, not an investment opportunity.