How we help you to buy
In short, nobody lends you any money.
Instead we* buy the home with you, in cash.
If you pay for 5%, we pay for 95%.
You own the part you buy and pay rent to us* on the rest.
Over time, buy more of your home whenever you want.
The more you buy, the less rent you pay.
To buy with us you’ll need:
£24,000 minimum household income
5% deposit minimum
No new builds
Buy homes across a variety of areas. You’re not limited to brand new builds or specific developments.
Buy more of your home whenever you want to from as little as £50 and without paying any fees.
Fair and flexible
We split most buying and ownership costs with you. If you buy 5%, you only pay for 5% of these costs.
Costs split fairly
See what you could afford with Gradual Homeownership
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.
*'we' 'us' and 'our' refer to Wayhome and/or their funding partners.
See what you could afford with Gradual Homeownership
Key benefits of Gradual Homeownership
The homes
Sign up to see more homes like these examples
We help you buy homes that:
- have 1-5 nicely sized bedrooms
- are ready for you to move in to and don't need any major work
- cost between £150,000 to £500,000
- have established value (so no brand new builds)
We're a bit different from other property sites, like Rightmove and Zoopla.
Instead of showing you all the homes for sale, we create a personalised list just for you.
We do this based on the information you share with us when you sign up. Things like your deposit and household income.
It's then over to you to find that special place to call home!
Swipe through for a sneak peek of some example homes from our website.
We're a bit different from other property sites, like Rightmove and Zoopla.
Instead of just showing you all the homes for sale, we create a personalised list of homes for you.
We do this based on the information you share with us when you sign up. Things like your deposit and household income.
It's then over to you to find that special place to call home!
Swipe through for a sneak peek of some example homes from our website.
Sign up to see more homes like these examples
The kind of homes we help you to buy:
- have 2-5 nicely sized bedrooms
- are ready for you to move in to and don't need any major work
- cost between £200,000 to £500,000
- have established value (so no brand new builds)
Gradual Homeownership vs other schemes
| Gradual Home ownership | Shared Ownership | Help to Buy Equity Loan | |
|---|---|---|---|
| Buy without a mortgage or loan |  |
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|
| Homes with established value (i.e. no brand new builds) | |
|
|
| Avoid high service charges | |
|
|
| Only pay for your share of the buying costs (e.g. Stamp Duty) | |
|
|
| No fees to buy more of your home | |
|
|
| Buy more whenever you want to, from as little as £50 | |
|
|
| Interest free product | |
|
|
| Only pay for your share of the selling costs (e.g. estate agent fees) | |
|
|
| Buy without approval from a government Help to Buy agent | |
|
|
| Your home buying budget is the same across all regions | |
|
|
| Open to all kinds of people, not just first-time buyers | |
|
|
The homes
| Gradual Homeownership | Shared Ownership | Help to Buy Equity Loan | |
|---|---|---|---|
| Buy without a mortgage or loan | |
|
|
| Homes with established value (i.e. no brand new builds) | |
|
|
| Avoid high service charges | |
|
|
| Only pay for your share of the buying costs (e.g. Stamp Duty) | |
|
|
| No fees to buy more of your home | |
|
|
| Buy more whenever you want to, from as little as £50 | |
|
|
| Interest free product | |
|
|
| Only pay for your share of the selling costs (e.g. estate agent fees) | |
|
|
| Buy without approval from a government Help to Buy agent | |
|
|
| Your home buying budget is the same across all regions | |
|
|
| Open to all kinds of people, not just first-time buyers | |
|
|
Looking for more space?
Good news!
With our help, you could afford to buy a home worth up to 10x your income! So you might be able to afford to buy a bigger home now than you thought.
Fancy a garden? An extra bedroom, or two? We've got you covered.
And since we don't lend you money, you aren't limited by what you can borrow.
Instead, we figure out which homes you could buy through looking at what you can comfortably afford to pay in rent.
By approaching it this way, it means you could buy a home worth up to 10x your income!
Featured in
Who Wayhome is for
You have slightly more complex finances which makes getting a mortgage harder.
You're forced to save a massive deposit
Because lenders aren't lending much, you're forced to save tens of thousands as a deposit.
You want a Shariah compliant option
You don't want a mortgage with interest and you're not happy with existing Shariah compliant options.
You're self employed
Buy the home you actually want
Buy a home worth up to 10x your income, with just a 5% deposit
How Wayhome works
“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, stay as long as you like
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.
Important! The Help to Buy Equity Loan Scheme closed to new applicants on the 31st of October 2022.
But Wayhome is here to stay.
