How does rent-to-own actually work?

Rent one of our homes today, get 100% of your rent back as a deposit, and buy it later at a price we lock in now.

2 yrsFixed rent, no hikes
100%Rent refunded as your deposit
£0Deposit needed to move in
FixedPrice to buy later, locked in
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Rent your future home and get 100% of your rent back to use as a deposit

With Keyzy, enjoy fixed rent for 2 years and the option to buy your home at a guaranteed price, giving you the freedom to buy when you're ready — all while building your deposit from day one.

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Annual household income
£70,000/ year
£30k£180k
Max monthlyrent pcm
Deposit you'dbuild (2 yrs)

That's 100% of your rent, refunded when you buy — putting you on track for a home buying budget of around . Figures are illustrative and subject to affordability checks.

Five steps from renting to owning

No deposit to move in. Every step is designed to get you mortgage-ready.

1Step 1 10 seconds

Get your budget

Use our calculator to see what you could afford.

It takes 10 seconds. Enter your annual income — including anyone moving in with you — and we'll tell you your maximum monthly rent and your home buy-back price.

It's based on your income and the income of any fellow applicants. We make sure your monthly maximum is never higher than you could comfortably afford.
You need to be over 18 and have the right to live in the UK. We also run an industry-standard check using secure, modern technology:
  • Verifying income and outgoings via Open Banking
  • Checking for fraud and bankruptcy via credit bureaus
  • Reference checks with landlords and employers
We're a rent-to-own company — we exist to sell homes to first-time buyers, not to be long-term landlords. We make money by selling the home to you at the end of your tenancy, and we work with investors and developers to make new-builds available. A one-off future buy-back fee applies at the start: £499 for one applicant, £999 for two, or £1,499 for three or more.
2Step 2 1 week

Find your ideal home

The hunt is on — browse our listings and find a home that suits you.

Find one you like that's within budget? Complete a short form to get started. If nothing fits yet, register your interest for homes in your area. If you qualify we'll set up a viewing, then you (and any fellow applicant) complete a full application.

Keyzy is currently available for homes in England & Wales, and we're hoping to expand across the rest of the UK soon. We find the homes for our solution; you then rent them to buy back later.
Every property has a date it's available from. Once you've gone through approval and the rental is affordable, you can move in from that date. It can be a fast process, so it's good to be ready to move when the home is available.
3Step 3 2–3 days

Get approved for Keyzy

Use our quick, easy and secure online portal.

We do a detailed review of you and any fellow applicants. You'll submit your ID, proof of income and bank statements through the secure portal. Our team reviews everything and confirms once you've passed all our checks — then you can arrange moving in.

No. But we do take your income and spending over the past year into account to make sure the monthly payments are affordable. We can't accept applicants with an IVA or bankruptcy in the last 3 years, missed rent or mortgage payments in the last 12 months, or Defaults and CCJs over £250 in the last 12 months. Once you're a Keyzy homeowner we report your rental payments to Equifax, which can improve your credit position.
We accept up to 3 applicants.
4Step 4 1 day

Move in and start saving

Treat the home like your own and start working towards owning it.

Time to move in. You'll sign your rental and future buy-back agreements, pay your first month's rent, and the keys are yours. Your monthly payments are locked — no increases — and your future buy-back price is set ahead of time, so you can focus on building your deposit and getting mortgage-ready.

Keyzy or the owner covers insurable costs like storm damage or burst pipes, and we make sure your gas and electrical safety certificates are in place. You're responsible for wear and tear and the day-to-day upkeep of the home.
Your rental agreement — an assured periodic tenancy — is a rolling monthly agreement with no end date. Your future buy-back agreement is valid for 24 months from the day your rental begins.
5Step 5 2 years

Buy the home when you're ready

When it's time to buy — or if you decide to walk away — we're with you every step.

Buy the home from Keyzy using the rent you've already paid as your deposit. And if you decide not to buy, you can walk away with no penalties, just like any other rental you choose to leave.

The future buy-back price is agreed in advance and reflects the current market value with an estimated increase included.
You're free to leave with no penalties. We could also look at extending your future buy-back agreement so you can keep getting mortgage-ready.

Like what you see? Get started with Keyzy.

Browese homes

Who can join Keyzy?

If a traditional mortgage isn't working out, we can probably help.

You don't have savings for a deposit

You can't get a traditional mortgage

You recently arrived in the UK

You're in a new job or self-employed

You're stuck renting but wanting to buy

Your credit score could be better

Loved by Keyzy homeowners

Real stories from people who swapped renting for owning —
verified on Trustpilot.

Simple, effective, and easy to communicate with

We really liked how simple and effective the whole process was. At first we thought the offer was too good to be true — but the fact that it was so easy to communicate with everyone in the team made it so seamless because we could pick up the phone or email anyone if we had any issues or concerns.

S&A
Steve & AshnaFirst time buyers

Verified · May 2026

Excellent team

What more can I say about Keyzy? Words are not enough to express our gratitude. Keyzy helped us achieve our dream home, along with excellent amenities and outstanding service throughout the journey. I would sincerely request the Keyzy team to continue the same energy, dedication, and customer-focused approach for everyone who is planning or working towards building their dream home in London.

LG
Lata GowdaHarrow, HA1

Verified · May 2026

Keyze came to rescue just as I was…

Keyze came to rescue just as I was giving up on my dream to own a home! When I first came to see the property it felt like too good to be true, but then it was also lucrative enough for me to find out bit more. Such an innovative idea, although fairly new concept - I do not doubt this business model will turn out to be a successful one. I am saying this after all my due diligence and finally deciding to go with Keyze property! The move was smooth, Simon and Jeremy were both wonderful, with a lot of patience and very accommodating with all my queries and even met me face to face as I was seeking reassurance. They are highly responsive and took any issues/concerns very seriously and dealt with it immediately (a small hick-up in my case). I could not recommend Keyze enough, it was a smooth transaction and I am made to feel at home with my pets and couple of changes I wanted to make, they have relaxed and chilled approach as such it’s easier to feel at home from day 1. I am absolutely in love with the property, quality of fixture fittings and the area is suitable, I can enjoy walks with my cats; park and convenience shops near by. I am looking forward to the summer and certainly many more years once the purchase has gone through in 2 years time. I feel comfortable that my dream is in good hands. The extra offer for key workers was added benefit and I am certainly recommending Keyze to all my work colleagues & friends. I wish Keyze a full success within short span of time. All the very best Simon, Jeremy. And a big thank you!

F
FarhanaHarrow, HA1

Verified · Mar 2026

Moved in the Green Quarter in Southall…

moved in the green quarter in southall just over a month ago. From the day we made the enquiry with keyzy up until now everything has been so easy. Never have to wait for them to response. Even after sale service has been brilliant. At the start we felt like it was too good to be true but their dedication from the get go has been incredible. Would like to specially mention Simon who dealt with us from the start, answered any questions we had very quickly and also helped us while we were moving from our old place by organising us to take our furniture earlier. Always been very responsive no matter when and what we asked for. Looking forward to this new chapter of our lives and it wouldn't of been possible if we hadn't found Keyzy.

H
HamzaSouthall, UB1

Verified · Feb 2026

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The complete answers — deposits, fees, eligibility, buying and walking away.

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Keyzy is a trading name of Kollitom Ltd, a company registered in England and Wales (Company No. 13075506) with its office at LABS Atrium, Chalk Farm Rd, London, NW1 8AH.

Our rent-to-own offering is not regulated as a financial service – being a generous landlord who gives back your rent does not fall within the scope of the Financial Conduct Authority

©2026 Keyzy