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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.
Meet the Payne family
They bought their home using Gradual Homeownership.
Buy a home worth up to 10x your income.
The new way to buy a home with just a 5% deposit and no mortgage or interest.
Before Wayhome, they were renting and struggling to buy that 3-bed home they had been dreaming about for years—despite earning good incomes.
How Wayhome works
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.
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.
Buy a home worth up to 10x your income
We look at what you can afford differently—you could end up in a home worth up to 10x your income.
“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
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
You don’t have to be a first-time buyer
Buy more of your home whenever you want to, from as little as £50
Most maintenance costs split by how much you own
No rules about who you can sell to
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.
We help lots of different people to buy their dream home.
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.
Worried about making compromises on where you live or what kind of home you buy?
We help you buy your dream home gradually—no loan, no interest, no fees.
It’s easy to confuse us with Shared Ownership, but we’re actually very different.
Get a bigger home-buying budget
Can we help you too?
Start your search with us by signing up and seeing what you could afford with Gradual Homeownership.
Meet the Payne family
They bought their home using Gradual Homeownership.
Choose from a wide selection of homes with 1-5 bedrooms, between £150,000 to £500,000.
*The average mortgage lending multiple for first-time buyers vs. what you could afford with Wayhome.
With Wayhome, you can buy the same type of home you can comfortably afford to rent without a mortgage.*
Stop saving,
start owning
No more waiting around. Buy now with the deposit you have.
Don’t settle
for less
Buy a home in your favourite area, in good condition and ready to move into.
Make it
your own
Paint the walls, furnish it just how you like it, or get a pet if you like. It’s yours to enjoy.
Be in
control
You own your home. Nobody can ask you to leave as long as you pay rent.
Own your dream home sooner than you thought
Register and answer a few questions to help us understand your situation
Pass a soft credit check (it won’t affect your score)
Go house hunting, arrange viewings and fall in love with a home
Pass an affordability check to ensure you’re buying a home you can comfortably rent and buy more of
Make an offer and move in once the purchase is complete