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How we helped the Payne family move into their dream house

“We had a nasty shock realising how little most lenders would lend us and how unfair the mortgage system is.”

Can we help you too?

Start your search with us by signing up and seeing what you could afford with Gradual Homeownership.

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Meet the Payne family

They bought their home using Gradual Homeownership.

The new alternative to Shared Ownership

Get on the property ladder with a 5% deposit and no mortgage.

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Before Wayhome, they were renting and struggling to buy that 3-bed home they had been dreaming about for years—despite earning good incomes.

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How Wayhome works

Wayhome vs. Shared Ownership

Wayhome

Shared Ownership

Buy without a mortgage

No brand new builds

Avoid high service charges

Only pay for your share of the buying costs

No fees to buy more of your home

Interest-free option (because there's no mortgage)

Interest-free option (no mortgage)

Buy more of your home whenever you want to, from as little as £50

Most maintenance costs split

No rules about who you can sell to

No more
restrictions

Easy to buy more of (what you pay above rent goes towards your

No more
new builds

Buy a home from the open market with established value.

No more
stress

We help you with the entire buying process, from start to finish.

No more
debt

We buy with you, so there’s no mortgage, no loan and no interest.

After viewing a few homes, they found one in an area they love, made an offer and moved in—just in time for Christmas.

“Our children woke up on Christmas morning in their own home—that’s something we could have never dreamed of before.”

Forced to save for a massive deposit?

With us, not anymore.

Are you self-employed?

You’re welcome here.

Need a Shariah-compliant option?

We’ve got it.

Wayhome—when the other home buying alternatives don’t work for you.

We can help you find your home, too.

Sign up and see what you can afford with Wayhome.

Don’t settle for a brand new build or getting a smaller home with a mortgage.

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Unmortgage Ltd (registered in England and Wales, Company No. 10395239) and its subsidiaries comprise the Unmortgage Group. Our registered office is at 9 Appold St, London, EC2A 2AP.

Wayhome is a trading name of the Unmortgage Group.

Unmortgage Arrangers Ltd, a subsidiary of Unmortgage Ltd (registered in England and Wales, Company No. 11842567), is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 838366) for arranging and administering insurance policies only and is also registered as an EMD Agent of Modulr FS Limited (Firm Reference Number 902968). Modulr FS Limited is Authorised and Regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573). Your money is held in a segregated and safeguarded account under e-money regulation.

No other aspect of the Unmortgage Group’s business falls within the scope of financial services regulation. This means you do not have any of the protections under the FCA rules and do not have any cover from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme in relation to your interest in an LLP. Customers should ensure they understand what this means before they use the Wayhome product.

For full details relating to our regulatory position please see our Regulatory Information Page.

Wayhome Property Management Ltd, a subsidiary of Unmortgage Ltd, is a member of The Property Redress Scheme (membership number PRS025713), which covers activities in relation to the purchase of the home, the setting up and management of tenancy and the management of maintenance of the home.

Wayhome Nominees Ltd (registered in England and Wales, Company No. 13085562) is a subsidiary of Unmortgage Ltd.

It’s easy to confuse us with Shared Ownership, but we’re actually very different.

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“Wayhome allowed us to buy a stunning house that was out of our reach—without getting into debt and paying interest.”

- Anisa, homeowner with Wayhome

Only 5% min. deposit

You bring the 5%, we pay for the remaining 95%*

*£7,500 min. deposit and £24,000 min. household income

Only 5% min. deposit

You bring the 5%, we pay for the remaining 95%*

*£7,500 min. deposit and £24,000 min. household income

Flexible ownership

Only pay rent on the part of the home you haven't bought yet. Buy more each month or in lump sums. Buy us out when you can.

Flexible ownership

Only pay rent on the part of the home you haven't bought yet. Buy more each month or in lump sums. Buy us out when you can.

Live debt-free and avoid paying interest

We buy with you, so there’s no mortgage, no loan and no interest. We’re also a certified Shariah compliant option.

Live debt-free and avoid paying interest

We buy with you, so there’s no mortgage, no loan and no interest. We’re also a certified Shariah compliant option.

You're in control

Paint the walls, change the carpet, or get a pet. You can also stay as long as you like. After all, its your home.

You're in control

Paint the walls, change the carpet, or get a pet. You can also stay as long as you like. After all, its your home.

We believe that if you can afford to rent a home, you should be able to buy a home.


We help you buy your dream home gradually—no loan, no fees, no interest rates.

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