Lease now, buy later - if you want to. This is living in the 21st century.
Not content to settle for second best? In the market for your dream home? With OWNR, properties aren’t reserved solely for those who can buy – anyone is welcome to give us a try. Our unique leasing model comes with a purchase option, meaning you are no longer bound by the constraints of the rental market. Instead, you have all the freedom you need to make the decisions that are best for you.
The journey to your dream home.
In just four steps.
You take a look at the property market and find your dream home. You can also choose one of the properties listed on OWNR’s platform if you’d prefer.
The choice is yours: You can opt for a minimum leasing agreement of 24, 36 or 48 months. You can always stay beyond the minimum period, even if you don’t buy!
OWNR checks your dream home, negotiates a fair price in line with the market, buys it, renovates it and installs a new kitchen if you want one.
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If you’re ready to buy, your dream home can be yours. Good to know: until that time, 10% of your monthly leasing rate is saved on your behalf to go towards your equity.
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Your choices
You buy the property at the fixed price.
You simply continue to lease the property.
You move to another property of your choice.
These options allow you to live your dream property trial without having to commit to a purchase. This is especially interesting if you currently lack the necessary equity to purchase your dream property.
Multiple benefits. Your advantages thanks to OWNR.
Guaranteed match.
We offer you the largest selection of properties for sale in your desired region.
OWNR is the key to the property market
- Leasing is always more cost-effective than buying and financing a property yourself.
- Whatever you choose, you’ll always be moving into a renovated property.
- OWNR will even install a new kitchen for you if you want one.
- You no longer have to deal with the indignity associated with the rental market.
OWNR eliminates all risks and problems you would otherwise face
- OWNR evaluates the property to identify any defects it may have.
- OWNR negotiates a fair price in line with the market.
- You can live in the property – like a trial run – before buying it later on.
- This means you can be sure the location and neighborhood are right for you.
OWNR paves the way for living in your dream home without delay
- Thanks to OWNR, you can live in your dream home while waiting for the interest rate to fall.
- And you can build up your equity to meet the bank’s requirements in the meantime.
- In other words, you get to live in your dream home from day one.
- You don’t have to make any compromises when it comes to your address, either.
OWNR lets you buy later at a rate that is better for you
- There are no broker fees with OWNR, so it doesn’t impact on your savings.
- You don’t have to pay a deposit either, meaning you can invest the money for later.
- OWNR puts 10% of the leasing rate towards your equity share.
- There’s no need for you to renovate, because OWNR takes care of it before you move in.
How to calculate
With OWNR you can save up to 20% on the purchase of the property. See below an example calculation. All prices in Euro (€).
| Purchase today on your own | €168,350 |
|---|---|
| Estimated market value in four years* | €208,556 |
| Purchase in four years with OWNR | €127,546 |
| Your rate | Purchase today on your own | Estimated market value in four years* | Purchase in four years with OWNR | |
| --- | --- | --- | --- | --- |
| Purchase price | 500,000 | 619,412 | 620,000 | |
| Mortgage (%) | 80% | 80% | 85% | |
| Equity for purchase | 100,000 | 123,882 | 93,000 | |
| Refurbishment | 14,250 | 17,653 | no cost | |
| Government Tax | 6.00% | 30,000 | 37,165 | 37,200 |
| Notary Fee | 1.25% | 6,250 | 7,743 | 7,750 |
| Agency Fee | 3.57% | 17,850 | 22,113 | no cost |
| OWNR Equity Contribution | (10,404) | |||
| Required Equity | 168,350 | 208,556 | 127,546 |
* German house price index averaged 5.5% increase. Source: Federal Statistical Office, Destatis, 2023. The OWNR example assumes 5.5% annual house price inflation.
We’re sure you have a few questions…and we have the answers right here:
What do I have to consider during a viewing?
You know your schedule best yourself, so arrange a viewing appointment directly with the broker or owner. The major brokerages know OWNR, know that we will buy the property for you and that the financing is secured. However, if your counterpart has not heard of OWNR, they can contact us directly.
Who takes care of the renovations?
We do! More specifically, we work with local suppliers to install a brand-new kitchen and bathroom fittings as standard and to take care of other renovations as required. We assume all the costs and you don’t have to do a thing.
What are the details on the purchase option?
As an OWNR customer, you have a purchase option at the end of the minimum term. The exact purchase price is already determined in the leasing contract, which gives you enough time to get to know your home and to plan the financing. The purchase price is calculated from the original purchase price paid by OWNR plus renovation costs and any brokerage fee incurred as well as a price inflation. You as our customer benefit from our ability to negotiate a lower purchase price, lower broker’s fees and lower refurbishment costs as a professional buyer. Because of this advantage, combined with our banking relationships, you should save money on the purchase of your home with OWNR.
You decide at the end of the minimum term whether you want to use the purchase option.
What is a minimum lease term?
This is the minimum amount of time you spend living in the property. With OWNR, you can choose between three minimum terms: 24 months, 36 months and 48 months. During this time, you cannot terminate the lease contract, a necessary safeguard on our part given that we bought the property for you to live in.
What does the leasing contract look like?
Our leasing contracts are valid for an indefinite period. Our contracts differ from a standard rental agreement in that they contain a minimum lease term of 24-48 months – during which neither party may terminate the contract – and a purchase option that may be triggered at the end of the minimum lease term.
What does the OWNR leasing rate consist of?
Transparency is essential in our business. That’s why we’re always upfront about what goes into your lease:
- A monthly basic leasing rate
- Estimated operating costs (refuse collection, building maintenance, etc.)
- Utilities (heating, hot water, etc.)
What are the benefits of the OWNR leasing model?
There are three main benefits: cost savings, security and flexibility. You choose where you want to live from our portfolio of homes or the general market; we buy the property; you move in based on an advantageous lease agreement; and you have the option to buy after the minimum lease term. Even if you choose not to buy, you can keep living there for as long as you like. No landlords, no uncertainty, no dead-end rental situation.