How you rent toown your home

Keyzy will provide a home for you
while you get ready to buy.

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.

Calculate your monthly costGet your budget

10 seconds

How do you decide my budget?

It’s based on your income and the income of any fellow applicants. We want to make sure your monthly maximum is not higher than what you could afford.

What is the basic eligibility criteria?

You will need to be over 18 and have the right to live in the UK. We will also do an industry-standard check on you using secure and modern technology including:

Verifying your income and outgoings (using Open Banking)
Checking for fraud and bankruptcy (using Credit bureaus)
Reference checks with landlords and employers

Step 2

Search for your ideal home

The hunt is on! Have a look at our property listings and find something that suits you.

Once you have found one you like that is within your budget, you can apply to view it. You will just need to pass some basic eligibility questions and we will book a viewing for you.

If you like the home and are happy with the terms of your Keyzy Now deal we can get started. You and your fellow applicants will now need to complete a full application.

Browse homes to rent

1 month

Where does Keyzy source homes?

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.

Our Keyzy Now product helps landlords sell their properties to tenants (you) after a few years of fixed rental income.

How long will it take between applying and moving in?

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!

More FAQs

2 - 3 days

Do I need a perfect credit score?

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 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.

How many people can apply with me?

We currently accept up to 4 applicants.

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.

More FAQs

1 day!

Who is responsible for maintenance of the home?

Keyzy or the owner will be responsible for any insurable costs such as storm damage or burst water pipes. We also make sure you have your gas and electrical safety certificates. You are responsible for wear and tear and day-today upkeep of the home.

How long is the lease I sign?

The lease will be for a 3 year term. At the end of the term we can sign a new lease if you are unable to buy the home. You are of course free to leave the property if you don’t wish to buy or you can carry on with a new lease.

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. In some circumstances the landlord might not want to sell, in which case you will get a cash lump sum equal to 2% of your future buy-back price.

If you don’t want to buy the home you can walk away with no penalties when your lease ends.

Calculate your budget

3 - 5 years

How do you decide the future buy-back price?

The Future Buy-Back Price is agreed in advance with our Landlord partner and is usually current market value with a slight increase each year.

What if I can’t get a mortgage at the end of the lease?

We can look at alternative options such as extending the lease with the current Landlord Partner, or Keyzy buying the property and you continue on a new lease directly with Keyzy with a new Future Buy-Back Price agreed. Or you can walk away with no added cost.