The traditional mortgage route to homeownership is becoming more and more challenging as interest rates rise and houses become more and more expensive.

We want to provide you insight into startups that are challenging the status quo and providing us with more options:

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Gradual Ownership Platforms:

• Startups like Wayhome enable individuals to buy a share of a property and pay rent on the remaining portion, providing an alternative to the traditional mortgage model.

Rent-to-Own Services:

• Companies like Pfida, Keyzy  Divvy Homes and HTO offer rent-to-own solutions, allowing renters to accumulate equity in the property over time and eventually transition to homeownership.

Property Crowdfunding Platforms:

• Platforms like LondonHouseExchange and CrowdProperty allow individuals to invest in property projects collectively, providing an alternative investment to owning a property outright.

Digital Mortgage Platforms:

• Fintech startups like Better.co.uk and Habito leverage technology to streamline the mortgage application process, making it more accessible and efficient.

Home Equity Release Platforms:

• Platforms such as Hometap and unlock offer solutions where homeowners can access the equity in their homes without taking on additional debt, providing a more flexible alternative to traditional mortgages.

Alternative Lending Platforms:

• Fintech lenders like LendInvest focus on providing property financing, including short-term loans and bridging finance, offering alternatives to traditional mortgage providers.

Co-Living and Co-Housing Platforms:

• Startups like The Collective and Gravity offer innovative housing solutions, including co-living spaces, providing an alternative lifestyle to traditional homeownership.

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