Turning Consistent Tenancy into Ownership
For years, renters have been told to “save a deposit first.”
But what if your rental track record could become your deposit?
At Empreso, we believe in helping people move from property to prosperity—and that begins with creative, responsible ways to step onto the property ladder sooner than you thought possible.
The New Path: When Rent Becomes Proof of Readiness
Some lenders now recognise what we’ve always known:
If you’ve been paying rent on time for at least 12 consecutive months, you’ve already proven the discipline and reliability of a homeowner.
That’s why a new generation of mortgage products allows eligible renters to buy a home without saving for a large deposit—using their rent payment history as proof of affordability.
This means:
- No cash deposit is required in some cases.
- Your monthly mortgage payments may be similar to what you already pay in rent.
- You can become a homeowner even if you haven’t been able to build savings yet.
Who This Helps Most
This opportunity is designed for tenants who have:
- Paid rent consistently and on time for 12 months or more.
- Maintained stable income and good credit history.
- Managed household bills responsibly.
- Never owned property before (or not within the past few years).
If that sounds like you, then your proof of rent payments could be the key that unlocks your own front door.
Why This Matters
Traditional home ownership models can feel out of reach when deposits average 10–20% of property value.
But this new route lets determined renters move forward with no deposit, no guarantor, and no need to move—if they choose to buy locally.
It’s not about shortcuts. It’s about rewarding consistency and responsibility.
Things to Keep in Mind
Every opportunity comes with conditions:
- Affordability still matters: your income, outgoings, and credit history must fit lending criteria.
- 100% borrowing means higher exposure if property prices fall.
- Interest rates can be slightly higher for zero-deposit products.
- Not all properties qualify—eligibility varies by type, value, and valuation.
That’s where our advisers at Empreso can guide you through the fine print and ensure the numbers make sense for your future.
How Empreso Can Help
At Empreso, our consultants and mortgage specialists work with a wide network of lenders and financial partners to help you:
- Review your rental history and assess if you qualify for a no-deposit path.
- Compare available options and identify which ones match your situation.
- Plan your transition from renting to ownership—sustainably and confidently.
- Connect you with experts for property searches, conveyancing, and protection.
Our mission is simple: to help you turn the place you live into the foundation of your prosperity.
A Message of Possibility
If you’ve spent years paying rent on time, you’ve already proven your commitment and financial discipline.
Now it’s time to let that consistency work for you.
Owning a home isn’t just for those with family help or large savings.
It’s for those who take responsibility, plan wisely, and seek the right support.
Empreso exists to make that happen.
Ready to see if you qualify?
👉 Book your free Clarity Review
and let’s explore how your rent history could open the door to your first home.
Author: Alain Mbe
Alain Mbe is the founder of Empreso, a purpose-led network helping individuals create, protect, and transfer wealth through property, finance, and legacy planning. With over two decades of experience in property investment and a background as a qualified mortgage adviser, Alain is passionate about empowering people to achieve prosperity with intention. He writes about property strategies, financial planning, and personal transformation—offering practical insights and actionable steps to thrive in today’s evolving economy.