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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 the home you can afford to rent
With just a 5% deposit and without a mortgage
“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
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
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.
Buy sooner
Get started today with just a 5% deposit worth at least £7,500.
You're in control
Stay as long as you like. Nobody can ask you to leave unfairly.
Make it yours
Paint the walls, change the carpets, or get a pet. It's your home to enjoy.
No debt, no interest
There's no mortgage and you aren't directly impacted by rising interest rates.
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.
Stop saving and start owning with our help
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.
