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How to find and retain a good tenant is a question every landlord should have and find the answers for.

A product designed with you in mind

Dreaming of owning your own home, but not quite ready? With Adjoin you can rent now, with an option to buy during your tenancy. Better still, if you want to, you can take some of the appreciation!  

The Adjoin Tenancy

A new way to achieve your property goals.

We are a rent-to-buy platform, born of frustrated tenants. We had been racking our brains wondering how to get onto the property ladder. We were saving, but prices kept going up. We love where we live, but we’d love to own the home we live in. 

We decided to find a solution, and came up with Adjoin! With an Adjoin tenancy, you get the benefits of living under the protection of a quality landlord, with the option to buy the property you live in.

If you opt in, you can even get a share of any appreciation, stopping prices from running away from you.


  • Move in before you buy
  • Trigger the option when you’re ready!
  • Not buying? No problem.

Increased Security

  • Ready to buy? Just trigger the option
  • No gazumping or closed bids. You are first in line

Return on Rent

  • Saving to buy is a moving target.
  • Property price goes up? So does your discount.

What are the Tenant Schemes?

You always get the option to buy.

You can also choose to pay a little more to ensure you’re not being left behind if the market goes up!

Tenant SchemeOption To buyDiscount on purchaseRental PremiumDiscount 
Try Before You Buy✔️10%
Share In The Upside 15 ✔️✔️15%20% Of Appreciation
Share In The Upside 20 ✔️✔️20%40% Of Appreciation
Appreciation is any value increase above the Minimum Sales Price, set by you at the start of the tenancy.

What does the process look like?

Register With Us

Let us know key facts; location, rental budget,
property type, # of bedrooms, etc.
We can forecast your future affordability.

Exclusive early access

You learn of any property matching your criteria up to 3 days before external marketing.
When you see something you like, come for a viewing!

Making an Offer

Fill in our offer form and fact-find, including which scheme you want to use, and we’ll send it to the owner.

Offer Accepted, What’s next?

Congrats! Pay the holding deposit, the property is taken off the market, and referencing starts.

Referencing passed

We then produce two contracts. The Tenancy Agreement, governing the rental period, and the Option Agreement, setting out the terms of your Purchase Option.  

Tenancy Starts

Move in & make yourself at home!
The landlord remains responsible for maintenance as in any rental contract.

Preparation for Purchase 

Speak to a mortgage broker to confirm your affordability.
Ask the landlord to confirm the current valuation.
Once the price is agreed, start the conveyancing process.

Mortgage Offered, Ready to buy

When your solicitor’s ready, call the Option.
Sign the documents to exchange and pay the 10% non-refundable deposit. At this point, the sale is legally binding.


Congratulations, you just bought a home! Some good news… you don’t need to move anything, as you’re already inside!

What do the numbers say?


Example Assumptions:

Minimum Sales Price:            £500,000Current Valuation:            £500,000
Rental Amount (PCM):            £2,000Tenancy Length:            2 Years 

As someone looking to buy, that isn’t quite ready, Share In The Upside is a great option for you. You get to live in the property you want to own now, and if the price goes up, so does your discount!

Assuming property prices rise by ~5% a year, the property will be worth £550,000 at the end of your tenancy. Normally, that would mean you need to raise an additional £50,000 compared your goal at the start of the tenancy.

With Adjoin, if you’ve opted for Share In The Upside 20, you receive a staggering 40% of that appreciation as a discount when you buy!

Normal Purchase Price: £550,000

Adjoin Purchase Price: £530,000


Better still, there are no entry fees for an Adjoin tenancy. You simply pay the rental deposit and the first month’s rent, as with any tenancy.


When purchasing a property, you will pay conveyancing fees and disbursement, as with any other property purchase.


DisclaimersNo responsibility: The material and information contained in this page is for educational and general information purposes only. You should not rely upon the material or information on this page as a basis for making any financial or any other decisions. adjoin makes no representations or warranties of any kind, express or implied about the completeness, accuracy, reliability, suitability, or availability with respect to this page or the information, products, services or related numbers, tables, figures, external links contained on this page for any purpose. Any reliance you place on such material is therefore strictly at your own risk. Investment: adjoin is not a registered investment, legal or tax advisor or a broker/dealer. All investment/financial opinions expressed by adjoin are intended purely as educational material. Although best efforts are made to ensure that all information is accurate and up to date, occasionally unintended errors and misprints may occur. Past Performance: Past performance does not guarantee future results. You should not rely on any past performance as a guarantee of future investment performance. Returns will fluctuate.



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