• Low Initial Entry Fee – just 2% of home value, not a traditional deposit

• This 2% Initial Entry fee pays all fees, charges, costs, associated with the normal purchase of a home. At both ends of the contracted term. Its not the deposit, plus all the extras. 

• Start building Equity Cash eQuivalents (ECQ) from Day 1

• Improve creditworthiness via rent tracking and by having a responsible history, during the R2O term.

• Structured rent contributions aligned with future mortgage affordability

• End-of-term option to secure ownership with reduced mortgage need

• Transparent contracts, expert guidance, and flexible end-of-term options

We use simple questions and smart scoring to help you understand your homeownership readiness.

• ✅ Transparent criteria

• ✅ Visual traffic light system (Red / Amber / Green)

• ✅ Tips to improve your score

We consider:

• Income & discretionary spend

• Rent vs. savings ratio

• Credit history

• Lifestyle goals (e.g., commute time, school needs)

You’ll receive a color-coded eligibility status (Red, Amber, Green) and guidance.

Get matched to properties based on your wants, needs, location, and budget.

• 🏡 Rent Budget

• 🚉 Commute Preferences

• 🎓 School / Community Priorities

• 🏗️ Off-plan or new developments (where available)

• 🗓📅 Month 0: Move in to your R2O-matched home

• 💡 Month 1–12: Build payment history and financial profile

• 📈 Month 1–60: ECQ accumulates

• 📈 Month 12–60: Cedit improves

• 🔑 Month 36–60: You enter the  qualifying period to convert into full freehold ownership, with a maximum 90% mortgage - ECQ covers the rest.

Every on-time rent payment builds a portion of ECQ.

This is not a savings scheme. It’s your ownership stake — not cash — credited to your home equity at term end.

ECQ = Ownership credit, not cash withdrawal.

Typically 40–60% of rent paid over 5 years returns to you as equity, (ECQ) at a minimum of 10% of its future, end of term value. It can be more.

All R2O contracts are reviewed by legal teams. Your payments, equity, and rights are transparent and secure.

• GDPR + FCA compliant platform

• Quarterly dashboards on credit, rent and ECQ

• Options to exit early, novate the contract under certain circumstances, extend term, or secure full ownership