A new path to homeownership.

You don't need a mortgage to live in your dream home. With Kettel, we provide the pathway to a 10% deposit while renting, seamlessly going from renting to owning in 36 months. It's that simple.

How it works.

  • Complete an application

    It's fast, free and won't impact your credit score. It only takes 5 minutes to pre-qualify.

  • Get approved on a budget

    Once you're approved, you'll receive a budget to go home shopping.

  • Choose your dream home

    Work with one of our Kettel guides to help you find your dream home. Choose from any home on the market that qualifies.

  • Our investment partners pay for the home

    Our investment partners pay for the home in cash & cover all fees, including conveyancing, survey and insurance. You just need to contribute 2% of the home's purchase price which will go towards your future deposit. We provide a clear rental and savings schedule as well as a fixed buy back price at the end of 36 months to keep everything transparent.

  • Move in and save

    Move into your Kettel home and make it your own. We connect you with smart savings tools like the Lifetime ISA to grow your deposit quicker and build better credit through your rental payments.

  • Buy the home or walk away with savings

    At 36 months you can seamlessly move from paying rent to paying your mortgage with no additional costs. We get life happens, so if you're not ready to buy you can continue renting or walk away. If you walk away, you keep your savings less the initial 2% deposit which we use to re-sell the home.

The ins and outs.

  • How does the application process work?

  • What homes are eligible?

  • Who takes care of the survey, conveyancing, insurance & council taxes?

  • When can I buy my home from Kettel?

  • How long is my minimum commitment?

  • Who deals with the maintenance?

  • How does Kettel make money?

  • Are my savings included in my rent?

  • Why are my savings not included in my rent?

  • Do you guarantee that I'll get a mortgage at the end of the initial 36 months?

  • What is a Lifetime ISA?

  • Why is Kettel better than just renting normally and saving?

Kettel is great if...

  • You don't quite have enough deposit

    Kettel gives you the space and time to save your deposit while you live in the home you want to own. Your savings won't be included in your rent, but we will provide you with a savings guide to achieve a 10% deposit by the end of the initial 36-month rental period.

  • Your affordability is falling a bit short for the mortgage you want

    Lots of Kettel homebuyers are early in their careers or self-employed and need a little time to get their finances more established to qualify for the right mortgage. We look at your last 3 months of income and future earning potential, which means we're a great option when you need more time to fully document your income in preparation for buying.

  • Your credit score isn't quite where it needs to be...yet

    Lots of young people have underdeveloped credit. We help build your credit while renting by reporting all your rental payments to Experian and Transunion. If you need help with your credit, we can also connect you with a credit counsellor.


Pricing is unique for each applicant based on your income, earning potential, credit history and location. To find out your personal home budget, complete a free application.

  • At move in | Initial Contribution

    A one-time 2% contribution that will be applied to your deposit when you purchase the home. If you decide not to purchase the home, we use this value to cover the costs of reselling the property. We also don't require a tenancy deposit because it's the home you're going to own and we know you're going to treat it well.

  • Each month | Rent & Deposit Savings

    Rent is set based on the purchase price of the property. We'll clearly outline the rental payment schedule in advance so you know exactly how much you'll need to pay each month. Your deposit savings are separate from rent. Any value you save towards your deposit is yours to keep, even if you decide not to purchase the home. Our structured savings plan will help you accumulate your 10% deposit by the end of the 36 month rental period and prepare you to get your mortgage.

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