Rent-to-buy marketplace · Europe first, then global

Sellers get paid, buyers get freedhoum!

Turn your rent into ownership, without a bank. Live in your future home, build equity with every monthly payment, and lock your purchase price from day one.

  • 3–10 year flexible contracts
  • Up to 100% of rent builds equity
  • Price locked for the entire contract
  • Integrated notaries, lawyers, and advisors
1
Move in & Rent
Pay monthly, build equity
2
Accumulate Value
Up to 100% goes to your pot
3
Own the Home
Use equity as down payment
Price locked at Day 1. No surprises.

How houm works

A transparent path to ownership for buyers, and a secure income stream for sellers.

Find your future home

Browse properties available in rent-to-buy mode with transparent terms.

Sign a smart contract

Lock your future purchase price for 3–10 years and agree on equity share.

Live, pay, build equity

Each month you pay rent; 60–80% counts towards your eventual purchase.

Buy when ready

Use your accumulated equity to complete the purchase or walk away.

Play with the numbers

See how rent-to-buy could work for you.

Configuration

€
€

5.0% of property price

€
%

€. 1.050,00 goes to equity

Total Equity Built
€. 78.000,00
26.0% of property price
Remaining to Pay
€. 222.000,00
At month 60
Monthly Savings
€. 1.050,00
Forced savings via rent
€. 15.000,00
Y0
€. 27.600,00
Y1
€. 40.200,00
Y2
€. 52.800,00
Y3
€. 65.400,00
Y4
€. 78.000,00
Y5
Price: €. 300.000,00
💡
Why this matters: Instead of throwing away 100% of your rent, you are saving automatically. By Month 60, you have €. 78.000,00 ready for your mortgage down payment.

Why choose houm?

We've redesigned the path to homeownership to be fairer, faster, and more flexible.

Price Lock Guarantee

The future purchase price is agreed from day one. If the market booms, you keep the upside.

Equity with Every Payment

Stop paying off someone else's mortgage. A large part of your rent becomes your wealth.

Clear Contracts

No hidden clauses. Standardized, fair contracts designed by top real estate lawyers.

Serious Tenants Only

For sellers: attract people who want to buy, not just rent. Better care, longer stays.

Bank-Free Start

Move in now, get the mortgage later. Perfect for self-employed or expats building credit.

Professional Support

We connect you with trusted notaries, advisors, and agents to smooth the process.

Safety first, always.

We are not a bank, and we don't take risks with your money or property. Every transaction is secured by legal professionals and transparent contracts.

Verified Identity

Strict KYC for all users.

Standardized Contracts

Legally binding & clear.

Legal Oversight

Notaries involved at key steps.

Escrow Protection

Funds held securely.

User
houm
Notary
Legal Check

Join the first wave

We are currently in private beta. Join the waitlist to be the first to know when we launch in your city.

Early Access Request

We are not a bank and we do not give financial advice. We connect buyers, sellers, and professionals within a structured, transparent rent-to-buy framework.

Frequently Asked Questions

Rent-to-buy is a contract where you rent a home for a specific period (e.g., 3-5 years) with the option (or obligation) to buy it at the end. A portion of your monthly rent goes towards building equity.
The seller retains ownership until the final purchase is completed. However, the contract protects your right to buy and your accumulated equity.
Yes, typically a small down payment (e.g., 2-5%) is required to show commitment, but it is much lower than the 20% banks usually demand.
Contracts can include different exit clauses. In some cases, you might lose your accumulated equity if you walk away, or you might be able to transfer the contract to another buyer.
No. houm is a marketplace and technology platform that facilitates these transactions. We connect you with sellers and provide the legal/financial framework.