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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
Without a mortgage and with only a 5% deposit.
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 don’t own yet. Buy more each month or in lump sums. Buy us out when you can.
Live debt-free
We buy with you, so there’s no mortgage, no loan and no interest. We’re also a certified Shariah compliant option.
Fees you can afford
Forget about mortgage broker fees or fees to buy more of your home. Most maintenance costs are fairly split with us by how much you own.
“We have finally moved into a home that isn’t a shoe box with a stamp size garden.”
- Sabina, homeowner with Wayhome
Wayhome vs Help to Buy
Wayhome
Shared Ownership
Buy without a mortgage or loan
Mainly existing homes on the open market (i.e. not new builds)
Only pay for your share of the buying costs (e.g. Stamp Duty)
No fees to buy more of your home
Interest free product
Buy more whenever you want to, from as little as £50
Only pay for your share of the selling costs (e.g. estate agent fees)
Buy without approval from a government Help to Buy agent
Help to Buy
Open to all kinds of people, not just first-time buyers
Your home buying budget is the same across all regions
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.
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 getting a mortgage is not an option
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 can help you find your home, too.
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
Gradual Homeownership vs other schemes
| Gradual Home Ownership | Shared Ownership | ||
|---|---|---|---|
| Buy without a mortgage or loan |  |
 |
|
| Mainly existing homes on the open market (i.e. not new builds) | |
|
|
| 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 | |
|
|
| Open to all kinds of people, not just first-time buyers | |
|
|
| Your home buying budget is the same across all regions | |
|
|
Important! The Help to Buy Equity Loan Scheme closed to new applicants on the 31st of October 2022.
Buy a home worth up to 10x your income
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 houses with 1-5 good-sized bedrooms, between £150,000 to £500,000.
*The average mortgage lending multiple for first-time buyers vs. what you could afford with Wayhome (UK Finance, 2021).
With Wayhome, you can buy the same type of house you can comfortably afford to rent, no mortgage.*
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
We buy with you, so there’s no mortgage, no loan and no interest. We’re also a certified Shariah compliant option.
We match you with the right house
Instead of showing you all the homes for sale like Zoopla does, we filter the ones that suit your finances and preferences.
“Thanks to Wayhome, we finally moved into a home that isn’t a shoe box with a stamp size garden.”
- Sabina, homeowner with Wayhome
Wayhome saved us.
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.
Before Wayhome, they were renting and struggling to buy that 3-bed home they had been dreaming about for years—despite earning good incomes.
We can help you too.
After being let down by the mortgage system, they found us and were finally able to buy their forever home.
How Gradual Homeownership works
1
You buy the bit you can afford.
We pay for the rest.
2
The house is paid for in full.
So you don’t need a mortgage.
3
You own the bit you bought.
You pay rent for the rest.
4
The home is yours to make your own.
Nobody can ask you to leave.
5
Buy more each month or in lump sums.
The more you buy, the less rent you pay.
Wayhome vs other mortgage alternatives
Important! The Help to Buy Equity Loan Scheme closed to new applicants on the 31st of October 2022.
| Wayhome | Shared Ownership | ||
|---|---|---|---|
| Buy without a mortgage or loan | |
|
|
| Mainly existing homes on the open market (i.e. not new builds) | |
|
|
| 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 | |
|
|
| Open to all kinds of people, not just first-time buyers | |
|
|
| Your home buying budget is the same across all regions | |
|
|
