How It Works
You can now get on the property ladder with just a 5% Deposit

How is this different to a mortgage?
Co-Ownership and Rent to Own
• Rent to own is an ownership sharing product
• We work with you to purchase a home with just a 5% deposit and up to 5 times your salary
• The customer and Capital Together sign 3 separate legal agreements:
- Joint ownership agreement
- Rental agreement
- Buyback agreement
• Rent is charged on the proportion of the property you own per month. A percentage of the this rent goes to buying equity in your home. The Capital Together rent to own model costs and equity ownership would be comparable to a 5% APR mortgage over a 35 year period
• You can purchase the home outright after 5 years. The price increases by a maximum of 3.8% per year
• The title of ownership lies with Capital Together until you have fully paid off the home
Conventional Mortgage
• Traditional Mortgage products are loan based
• A bank will require you to have 10% deposit for first
time buyers and only lend up to 3.5 times your salary
• The customer and bank signs a master finance
agreement to begin the finance
• A customer pays a monthly mortgage payment
A portion of this goes to paying the interest of the loan
and also against paying down the debt
• The title is in the name of the customer


How It Works
01
Lowest deposit anywhere
Capital Together helps with your first step on your property ladder with just a 5% deposit
02
The home of your dreams
Do you like a certain area? Near good schools? Maybe you want a large garden at the back or close to the city center. We help you get exactly what you want.
03
Easy approval process
Getting approval is easy. We just have a couple of requirements. The 5% you deposit should be at least €12,500 and your household income must be at least €50,000 before tax. We will not be able to help you if you have a poor credit history or have filed for bankruptcy in the past.
04
A partnership that works
We manage a partnership directly between you and our investors. You put in a 5% deposit, our investors put in the remaining 95%.
05
We handle all the boring stuff
A lot goes on at Capital Together to make the process as smooth as possible for you. Managing the paperwork, legal documents, finding the best properties and arranging the whole partnership and funding. We always keep you in the loop, so you know exactly what is going on.
06
Life-time partnership
Even after you move into your new house, Capital Together will be there for you. We can help you find the cheapest energy deals, provide amazing home emergency cover policy and even insurance so you always have peace of mind.
07
Pay a Fair Rent
The rent is equivalent to a 5% APR mortgage per month so in most cases significantly lower if you were to rent the property on the open market
08
This is your home!
As long as you keep paying the rent, take good care of the property and don’t break the contract, this is your own home and you can stay for as long as you want.
09
Complete the journey with us
We envisage all our customers eventually buying out the home and having a 100% ownership in the house. You can buy your home outright or switch to a normal mortgage after 5 years.