Step 1
Find out your budget
Use our calculator to find out your maximum monthly payment.
It takes 10 seconds. Just let us know your annual income, including the income of anyone else you plan to move in with and we’ll tell you the maximum monthly rental amount. You can use this figure to look for homes at or under your budget.
- Verifying your income and outgoings (using Open Banking)
- Checking for fraud and bankruptcy (using Credit bureaus)
- Reference checks with landlords and employers
Step 2
Step 2
Search for your ideal home
The hunt is on! Have a look at our property listings and find something that suits you.
If you find one you like that is within your budget, complete a short form to get started with Keyzy. If not, register your interest for homes in your area.
If you qualify we can set up a viewing so you can decide if the home is right for you. You (and your fellow applicant) will then need to complete a full application.
At the moment Keyzy is only available to people looking for homes in England & Wales. We are hoping to expand to the rest of the UK in the near future.
Keyzy finds homes for our solution. You can then rent them to buy back later.
Each property will have a date that it is available from, if you have gone through the approval process and the rental is affordable you can move in from that date.
This can be a very fast process in many cases so it’s good to be ready to move when the home is available.
Step 3
Complete a full application
You can sit back and relax whilst Keyzy manages your move
Keyzy will do a detailed review of you and any other applicants with you. You will need to submit your ID, proof of income and bank statements through our secure portal.
Once we have all your information our team will review it and confirm once you have passed all our checks. You will then be able to arrange moving in!
No. But we do take into account your income and spending behaviour over the past year to make sure you can afford the monthly payments and are not likely to miss any payments.
We don’t accept applicants who have entered an IVA or Bankruptcy in the last 3 years, nor any missed rental or mortgage payments in the last 12 months, or Defaults and County Court Judgements in the last 12 months over value £250.
If you end up getting a home with Keyzy we will also report your rental payments to Equifax. This means that your rental conduct could improve your credit position and credit score. This can make it easier to obtain credit on better or preferential deals and more likely to be accepted. It can also mean Banks and Mortgage Lenders can see your rental conduct without having to ask for documentation and can help secure the best mortgage deals available.
Step 4
Step 4
Move in and start saving
Treat the home like your own and start working towards owning it.
Time to move into your new home. You will sign your lease agreement and first month’s rent and the keys are in your hand. Time to start saving for a deposit.
Your monthly payments are locked. No increases! Your future buy-back price is also provided ahead of time - we give you with the support to work on your deposit and mortgage-ready.
Step 5
Buy the home when you’re ready
At the end of your lease it’s time to buy, or walk away.
You can buy the home from Keyzy at the end of your lease period. You may also be able to extend your lease with us on a case by case basis.
If you don’t want to buy the home you can walk away with no penalties when your lease ends.
Get started with Keyzy
