A product designed with you in mind
Not enough deposit? No problem. Rent now a home you love, share in its upside and have the option, but not the obligation, to buy it in the future. Easy peasy.
Your journey with us
Get a home budget based on your requirements
The home budget is the maximum property value that you can live in with adjoin. It depends on how much you can pay per month and a booster. The booster is an optional one-off payment in your first month in the property.
Rent your chosen property
Given your home budget pick a property either from our pre-approved list or one that is for rent or sale in the open market. We are your “buying agent” and vet all properties before you move in. You rent it from existing landlords or investors under the adjoin rental agreement.
We freeze your monthly payment for the length of your tenancy
Only extras are the costs of standard services (e.g., utilities). No hidden fees. No monthly payment increases.
Your payments count for something
During your tenancy you can see your adjoin wallet growing with the property value. Plus you get to live in a property you don’t yet own.
Exit our scheme whenever you choose
Leave the tenancy when desired, subject to fees that you already know. The landlord will never ask you to leave while you rent. In other words, you can treat the property as your own!
Buy the property at a discounted price
After an early period you can decide to buy; you do so at the property market price at that time minus the amount in your adjoin wallet. The higher the price growth, the higher your adjoin wallet. Yes that’s right, the higher the property price, relative to when you moved in, the higher the discount you can buy it at.
Cut the time of buying a home at least in half
You already live in the home you are buying.
No offers and counteroffers. No gazumping. You are the first and only one in line.
You only need to figure out the financing.
Cash out your adjoin wallet even if you decide not to buy.
The value in your adjoin wallet depends on the growth in the property price during your tenancy. You know now exactly how much you get in every scenario, when you initially sign our agreement.
Who is this for?
Well everyone really but especially if…
You have low deposit
Stagnant wages and increasing house prices means that amassing a sufficient deposit is the no1 reason most of us cannot afford to buy. We are here to help.
You want to try before you buy
Even if you have the deposit it’s probably a huge part of your savings. You may feel lukewarm with the idea of committing to a property you don’t really know. With us, you can now live there and see for yourself.
Your salary may increase
Your personal circumstances may call for a more stable home but your finances say that you have to wait. Get in your dream home now and have the option to buy whenever you feel ready.
Enough talking, let’s see some numbers
Your home budget depends on you choice of monthly payment & booster, so it’s unique for every person.
Say you want to give £2,000 per month and a one-off booster amount of £6,000, paid in your first month in the house.
Then your home budget with us is 57% higher than with a standard mortgage & your initial contribution is 22% lower.1,2
Yes, both higher value & lower cost with adjoin!
 The home budget with a standard mortgage is calculated assuming your gross income is 36 times your monthly payment, the bank lends you 4.5 times your income, and you get a 95% loan-to-value mortgage (good luck!).
 Our initial contribution is the booster, 1% for adjoin, 0.5% in an escrow account as a security deposit & 0.3% on legal/due-diligence. The mortgage initial contribution is the 10% deposit, stamp duty land tax (SDLT) assuming you are a first time buyer & £3,000 in legal & other fees.
 If you leave and find a new tenant our exit fees are lower.
 For this comparison, we assume you live in a similar home as a simple tenant for the same duration, assuming 3.75% rental yield initially, growing with inflation 2% (this is for the long term).
 Now take the initial contribution to adjoin and any rental difference (here it is negative so you are eating on your savings) and deposit it in a savings account, which gives you 1.05% per year (which is the best we can find). This is how much you have when you rent & save on your own.
Say no to money down the drain
The money in your adjoin wallet at the end depends on your exit time & the house price growth during you stay.
Let us say you decide to leave in 6 years of a 12 year tenancy, and your property price has grown by 3% per year over that period.
You don’t want to buy & you found (with our help) a new tenant.3
Then you cash out your adjoin wallet, pay any exit fees, and your take home pay is £32,480 which is 50% more than with rent & save.4,5
This is fun. Can I see more?
Of course you can!
To try different scenarios on your own complete our sign up form & you will gain exclusive access to our financial calculator.
Frequently asked questions
How are you different from traditional rent-to-own?
Glad you asked. We have two main differences. First, you can use the amount in your adjoin wallet, either you decide to buy (as a discount on the property price) or move out (as cash); in current rent-to-own (also called rent-to-buy) schemes you do not. Second, with adjoin you buy at the market price (minus the amount in your adjoin wallet), not a fixed one. We think this is fairer: with a fixed price either the buyer or the seller loses; in our scheme we are all on the same team.
How are you different from shared ownership and Help to Buy?
The major difference is that both schemes are, in the majority of the cases, sponsored by the government and have strict requirements on your personal income and the property you can choose. Within our scheme any income and property value will work! No thresholds, no ranges, no new-build requirements!
What are the personal eligibility criteria?
In adjoin you are a tenant until you decide to buy. There are no loans or mortgages involved. This means that our eligibility criteria will be more similar to those you have to meet when renting, than to those that you need to get a mortgage. Simply put, this allows us to offer you properties you can rent now and may want to buy in the future.
Can I overpay, if I decide so in the future, to increase my payment at exit?
Currently we do not offer this possibility. Our model is uniquely designed in order to optimise the payouts to all parties involved based on a fixed monthly payment throughout your lease. But we may offer this feature in the future.
While I rent with adjoin, am I still considered a First Time Buyer (if I was one initially)?
Yes you are! Adjoin provides you with a new rental agreement that includes all the above-listed benefits. When and if you decide to buy the property you are considered a first time buyer, with all the benefits that come with that , for example, a reduced stamp duty tax.
What is the adjoin wallet?
It is your share of the property price upside. When the property price goes up you get some money back when you exit. If you buy the property, this money are a discount on the price you pay for the property; if you choose not to buy you can cash out the amount in the wallet. Your adjoin agreement will specify exactly how much you receive under each scenario. No surprises.
What happens to the adjoin wallet if the property price doesn’t grow?
Who owns the house in adjoin?
Carefully selected landlords, high-net-worth-individuals, wealth management companies, and institutional investors (insurance companies and pension funds).
Am I tied in for the duration of the tenancy, say 12 years?
No. You can exit our scheme at any point. When you exit you can buy, if after an initial period, or simply leave. There are exit fees which decrease over time, this means those fees are higher in year 1 than at the end, say year 12.
What homes are eligible?
Any really. You can look for every home that is for sale or rent in the open market, within the home budget we gave you, plus the ones in our pre-approved list. Once you have narrowed it down to a few options we will also vet the properties that we have not already & deem their suitability for our scheme. We make sure that the property you move in is a solid investment and in a great shape for the long run; we all gain when it is!
Can I really pick a home in the open market that is either for rent or sale?
Yes that’s right. If it is for sale we will employ capital from our property investors to buy it, if we deem it suitable. If it is for rent (and again suitable) we will inform the existing landlord of your choice for an adjoin rental agreement and try to get them onboard. Everything to get you in your dream home!
Who takes care of costs like stamp duty and insurance?
The existing landlords or property investors. They own the home while you live there, so they have paid or pay stamp duty and for the property’s maintenance and management, amongst others. You are a tenant as far as costs are concerned.
Is the adjoin monthly payment higher than market rent?
Taking into account also the booster it is, at least initially. You are essentially buying two things by paying somewhat more. First, your sharing of the property price upside as reflected in the amount in your adjoin wallet. Second, your right but not the obligation to buy the property in the future. Pretty valuable things!
How does adjoin make money?
From a fee when you enter the house (currently at 1% of the house value) and another one when you exit (currently at 0.5% of your adjoin wallet amount). What is unique about our model is that you, the landlords/investors, and us are all gaining if the house price grows: we are all on the same team!
What is adjoin’s role in all of this?
Let us start by what we are not. We are not a mortgage provider, not a (equity) loan provider, not your landlord. We facilitate the relationship between you and the landlord/investor. We caretake your stay in the property but even if we stop operating your relationship with the landlord/investor will be contractually protected.
What if I need to sell my existing house first?
We can help! We can offer your existing property to a new tenant in an adjoin agreement, while you live in your new property on another adjoin agreement. The two agreements will be made so that everything works for you in terms of financials and timing.
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