Buy By Phone lets you buy your home in cash, in pieces you can afford, without taking on debt, and live in it, renting the rest from us until you own it all.
Cash, not credit · Buy as you go
Traditionally, people take out a mortgage to spread the cost of buying a home over time. We have turned it on its head and reimagined how to make homeownership accessible to more people in a debt-free way.
You move in from day one as an owner and rent the share you haven't bought yet. Buy more whenever you like, but there's never any obligation to. It's your home bought in cash, one chunk at a time.
Designed for real life — start where you are, and grow your share at your own pace.
Purchase your first stake through a solicitor, just like a normal property purchase.
Settle in, and pay rent only on the share you don't yet own — as your ownership grows, your rent comes down.
Buy more with 1 click, from as little as £5 — no conveyancing, no solicitors, no obligation.
Buy By Phone turns spare change into bricks and mortar. Own a little more of your home with 1 click — from as little as £5.
*Free on up to £1,000 of equity purchases each month; a small fee applies above that.
You buy your home in cash, a chunk at a time — no loan, no interest, no debt. Every chunk you buy is fully, legally yours.
Any amount, any time, from your phone. Speed up, slow down, or pause — there's never any obligation to buy more.
Every share you buy is yours to keep — real ownership that builds over time. And the more of your home you own, the less rent you pay.
Buy the home together, but your money stays separate. You'll always know who paid what — everyone's share stays clear and simple.
Homebuying is changing. Join the waiting list to be one of the first to become a Home Owner with the Buy By Phone homebuying revolution.
Jump the queue — every friend who joins from your link moves you up. Early access goes to the top of the list first.
No spam, ever. Registering places you under no obligation.