Move in
without a

We buy your dream home, you rent it.

After 36 months, move seamlessly from renting to owning and save thousands in future rent.

Learn more

  1. Apply for a budget
  2. Find the right property for you
  3. Pay rent and treat it as your own
  4. Purchase outright in 3 years

Kettel in a nutshell

​​We're a new way to buy your first home. We make it possible for you to live in the home you want to own sooner while helping you build the required deposit, credit and affordability to buy it.

  1. 1

    Apply to Kettel

    It's fast, free and won't impact your credit score. Our team will qualify you and provide you with a home budget to start shopping.

  2. 2

    Choose your dream home & move in

    Don't settle for less. Kettel works with you to help find your dream home on the open market, and then one of our investment partners buys it for you!

  3. 3

    Rent from us

    Build your savings and credit while you rent from us for 36 months. At the end, you'll have saved a 10% deposit and built a superior credit score.

  4. 4

    Become a homeowner

    Say goodbye to Kettel as you move seamlessly from renting to owning when you purchase your home.

Our Mission

Make homeownership more accessible to first-time buyers

With rising housing prices, higher deposits and strict mortgage approvals, buying your first home is more challenging than ever.

We want to level the playing field and provide the clearest path for first-time buyers to gain access to the benefits of homeownership.

Better than Help to Buy

6 reasons why we’re better than the government’s equity loan and shared ownership schemes:

  • We don’t restrict you to new builds or housing association stock.

    Our investment partners buy move-in ready single-family homes on the open market.

     Equity Loan: New builds only

     Shared Ownership: Only housing association stock

  • A clear path to traditional homeownership in 36 months.

    We don’t capture you in a complicated rent trap like shared ownership.

     Shared Ownership: Staircasing options, need to buy back ownership while renting

  • You don’t need to qualify for a mortgage before you move in.

    We help you save and build your credit to get a great mortgage in 36 months.

     Equity Loan: Requires a mortgage

     Shared Ownership: Requires a mortgage

  • Lower deposit.

    Minimum deposit of 2% for Kettel vs. 5% for government schemes.

     Equity Loan: 5% required

     Shared Ownership: 5% required

  • We’re not a loan.

    We don’t punish you for having underdeveloped credit.

     Equity Loan: Interest payments after 5 years

     Shared Ownership: Need a mortgage up front

  • We’re flexible.

    If after 36 months you decide homeownership isn’t right for you, keep all your accrued savings and walk away.

     Equity Loan: Buy back equity loan stake

     Shared Ownership: Co-owner first-right to buy; need to sell their stake

Made just for you

Build your savings

We know it's hard to save, that's why we've built monthly savings into the program, helping you achieve your homeownership goal. We'll help you use the government's Lifetime ISA program to get a boost on your savings as well. If you decide not to buy, the savings are yours to keep.

Live like an owner

This is going to be your home, so make it feel that way. Paint, decorate and put your personal touch on it. You will even benefit from any appreciation greater than the pre-agreed buy back price when you're renting.

Come as you are

We help first-time buyers who are short on deposit, have underdeveloped credit or are still early in their career. We believe in the power of homeownership and have built Kettel to help you find your dream home sooner.