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Part buy, part rent

Buy a share of a home and StrideUp will buy the rest

Make the unaffordable, affordable with StrideUp's smart home purchase plan. This part buy, part rent scheme lets you borrow up to 6.5x your income. Buy the share of the home you can afford now, StrideUp will co-purchase the remainder, and over time you'll build up your ownership stake.

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Suitable for buyers & movers


Minimum 15% deposit


Maximum property price £1,500,000

How does it work?

In the simplest terms, StrideUp will co-purchase a home with you. You'll put down a minimum 15% deposit, then StrideUp will buy the rest of the property and grant you a lease to live there. As the property has been bought in full, there's no mortgage involved.

Each month, you'll make one monthly payment, made up of rent paid to StrideUp and purchase payments which gradually increase the amount of the property you own. Over the full term of your mortgage, you'll increase your ownership until you own 80% of the property, and StrideUp will hold 20% as an equity share. If you want to, you can make overpayments to chip away at their share and eventually get to 100% ownership.

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Why Tembo?

We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.


Things to consider

Not every mortgage is for everyone. Here’s some things you should know about StrideUp's scheme before applying.


What are the benefits?

Buy a home worth up to 6.5x your income

As long as you meet StrideUp's affordability criteria, you could purchase a share of a property worth up to 6.5x your income versus the usual 4-4.5x. For example, if your income was £40,000, this would mean you could buy a share in a property worth £260,000.

Live debt-free and avoid paying interest

You won't have a mortgage, as StrideUp are co-purchasing with you. So if you're looking for a Shariah Compliant mortgage alternative (or you just don't like the idea of paying interest on a large debt!) then StrideUp could fit. They are audited and approved by Amanah Advisors.

You'll benefit from any increase in value

Even though they buy part of the property with you initially, any profit from the house price going up belongs to you, meaning you'll never have to pay more than the initial price to buy back from them.

StrideUp will share in any potential losses

If your property decreases in value, say because house prices fall and you have to sell, StrideUp will share in some of the losses with you. So you get all the gains, but they'll share in any losses.

Risks and considerations

The property must meet certain requirements

StrideUp has certain restrictions on the property you can buy. It cannot be a freehold flat or a listed property, for example, and must be valued between £100,000 and £1,500,000. They also only currently support purchases in England.

You'll need to have a 15% deposit saved

In order to qualify for StrideUp's scheme, you'll need enough cash to purchase 15% of the property upfront. For a £300,00 property for example, you would need £45,000 in cash. If you're buying a new-build flat, you'll need 20%.

You must earn at least £30,000

If you're applying on your own, you’ll need a minimum income of £30,000, or £50,000 jointly to qualify for StrideUp's scheme. Plus, if you're self-employed they'll need to see 2-years worth of accounts.

It could be more expensive than alternatives

You’ll have to pay rent on the portion of the property you don’t own. The amount you pay in rent is impacted by factors like the size of your deposit and the purchase price of your home. Plus, you're solely responsible for upkeep of the property, as well as any service charge and ground rent. You'll also pay solicitor fees for conveyancing, although StrideUp will contribute if you use a solicitor from their panel.

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Frequently asked questions

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The application process

Get into your very own home in 4 simple steps


Make a Tembo plan

In under 10-minutes, we’ll check your eligibility for StrideUp’s home purchase plan, as well as our other buying schemes. Plus, you’ll get a personalised recommendation including interest rates and repayments.


Talk to an expert

Book a call with our mortgage experts to start the qualification process and cover any questions you might have. If you want to move ahead, we'll introduce you to your account manager from StrideUp.


Find a property

StrideUp will arrange a decision in principle for you to confirm your final budget, and then it’s time to find a home! You'll need to ensure the property you choose meets StrideUp's requirements, but your account manager will be on hand to support you throughout the search.


Make home happen

Once you’ve found a property, your StrideUp account manager will work with you and your chosen conveyancer to purchase the home outright.

Similar schemes

Explore our other buying schemes to see alternative ways to get on the ladder

See all schemes

On your own

Deposit Unlock

Purchase a new build home from a participating home builder with just a 5% deposit.

See details

With a guarantor

Income Boost

Add some or all of a loved one’s earnings to your mortgage application as a guarantor to boost your budget

See details

Family remortgage

Deposit Boost

Unlock money from a loved one’s property to gift to you as part of or all of your house deposit

See details

Learn more

Confused about mortgages? Read our guides for expert tips on saving, buying and the market.

Other mortgage schemes

You can be snug in your very own home in 4 simple steps


Standard Mortgage

Right to buy

Self Employed

Tier 2 Visa

Deposit Unlock

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Shariah mortgage

Increase your affordability

With a guarantor