Keyzy

What Keyzy does

Keyzy, trading as Kollitom Ltd, is a London-based rent-to-own property platform founded in 2021 that helps first-time buyers, key workers (NHS staff, teachers, police, fire, prison service), self-employed individuals, and new UK residents onto the property ladder. The company purchases new-build homes from developers across four Greater London developments (Eastman Village in Harrow, Hayes Village, The Green Quarter in Southall, and Springfield Village in Wandsworth), rents them to qualified applicants for a fixed 2-year term, and sells them back at a pre-agreed future buyback price. One hundred percent of the monthly rent is credited toward the purchase deposit, and rent is fixed for the term with no increases. A £499–£1,499 one-time Future Purchase Agreement fee is charged at the start of tenancy, and a 2% early-exit fee applies if the tenant sells the home before the end of the lease.

The technology stack is a digital verification and application platform rather than an AI-driven system. Open Banking connectivity via TrueLayer is used to verify income and expenditure; digital identity verification uses selfie and passport/drivers-licence scanning; and credit checks are run against Equifax, with rental payment history reported back to Equifax to help tenants build credit history. The platform supports a self-serve 5-step digital journey from property browsing to move-in, with a parallel B2B2C channel through mortgage brokers and estate agents who refer clients via a partner portal and earn procurement fees.

Commercially, Keyzy generates revenue from three streams: (1) one-time Future Purchase Agreement fees, (2) the margin between the original developer purchase price and the pre-agreed buyback price at end of tenancy, and (3) early-exit fees. The company raised a £3 million seed round in January 2023 and, more significantly, secured over £130 million in asset-backed funding from French real estate private equity firm Crayon Partners in November 2025 — structured as Europe's first OpCo-PropCo partnership in rent-to-own, with Crayon holding property ownership and Keyzy operating the rental business. The funding is earmarked to add 250+ homes across Greater London by 2027. A separate £250-per-referral consumer referral programme and a B2B intermediary network supplement direct digital acquisition. The company employs 1–10 people and operates exclusively in England and Wales.

Name

Keyzy

Legal name

Kollitom Ltd

Website

https://keyzy.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Rent-to-Own Housing

NAICS

Real Estate Credit (522292), Lessors of Real Estate (5311)

SIC

Real Estate Dealers (For Their Own Account) (6532)

akta.pro primary industry

Multifamily Construction-to-Perm Financing (FSALAHAD)

akta.pro secondary industries

Senior Secured Direct Lending (FSANADAA), Spec/Tract Builder Construction Financing (FSALAHAC)

Keywords

• Rent-to-own housing
• First-time buyer solutions
• Key worker housing
• Deposit assistance programme
• Rent credit homeownership

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Supply Chain, Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Property Sales Revenue: Keyzy generates revenue by purchasing homes from developers, renting them for 2 years, and then selling the homes to tenants at the pre-agreed future buyback price. The difference between the buyback price and accumulated rent paid represents the transaction value.
2. Future Purchase Agreement Fee: One-time upfront payment securing contractual right to buy the home: £499 for 1 applicant, £999 for 2 applicants, or £1,499 for 3 or more applicants. This fee is charged at the beginning of the tenancy.
3. Early Exit Fee: 2% fee of the full purchase price if tenants choose to buy earlier than the 2-year agreement period. Also applicable if selling the property to another buyer during the lease term.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Keyzy purchases new-build homes from developers, rents them to qualified applicants for a fixed 2- or 3-year term, and sells them back to the tenant at a pre-agreed future buyback price, with 100% of the rent paid during the tenancy credited toward the deposit. Applicants pay a one-time Future Purchase Agreement fee (£499 for 1 applicant, £999 for 2, £1,499 for 3 or more) to secure the right to buy, plus fixed monthly rent during the tenancy, and are not required to pay a deposit to move in.

Differentiator

Problem solved

Functional benefit

Products and services

• Keyzy Rent-to-Own Housing Solution A rent-to-own housing product enabling individual UK consumers to rent a new-build home for 2 or 3 years with 100% of rent applied toward the future deposit, then purchase the home at a pre-agreed buyback price, with no deposit required to move in.
• Keyzy Homes (Greater London Property Portfolio) Curated portfolio of new-build rent-to-own properties located across four Greater London developments: Eastman Village (Harrow), Hayes Village (Hayes), The Green Quarter (Southall, currently sold out) and Springfield Village (Wandsworth).
• Keyzy Intermediaries Network A partner portal for UK mortgage brokers, estate agents and other property intermediaries to refer clients who cannot secure traditional mortgages to Keyzy in return for procurement fees, with 90-second budget checks and an applicant tracking dashboard.
• Future Purchase Agreement A contractual one-time product that secures the applicant's right to buy their rented Keyzy home at a pre-agreed future buyback price, priced at £499 for 1 applicant, £999 for 2 applicants, or £1,499 for 3 or more applicants.
• Budget Calculator An online tool that allows prospective tenants to enter their annual household income and estimate the maximum monthly rent and future home buyback price they can afford under a Keyzy rent-to-own agreement.
• Keyzy Referral Programme A customer referral programme offering a £250 cash reward for each successful referral who signs up and moves into a Keyzy home, with no limit on the number of referrals, paid via bank transfer.

Quantifiable outcome

• 100% of monthly rent goes toward deposit if purchasing the home
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

One partnership is on record.

• New Homes HubminorGTM or Marketing Partner · 12 June 2026Property listing partnership making Keyzy rent-to-own homes visible on the New Homes Hub platform, extending distribution to their property-seeking audience

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• OneSavings Bank / Kent Reliance (buy-to-let lender): Established UK specialist lender active in residential mortgages and buy-to-let finance. Represents incumbent competition in adjacent home-financing verticals with broader regulated banking capability.
• Notting Hill Genesis (Housing Association): Large UK housing association offering shared ownership and affordable rent-to-buy schemes across London. Provides traditional institutional competition for Keyzy's first-time buyer and key worker segments.

Direct peers

• Homeward: US rent-to-buy platform (now part of Mynd) offering a 'buy before you sell' and rent-to-own pathway. Comparable tech-enabled rent-to-own proposition serving buyers locked out of traditional mortgages.
• Divvy Homes: US rent-to-own platform with similar 100%-rent-credit, future purchase price mechanics. Useful US benchmark for Keyzy's model, product design, and unit economics even though operating in a different geography.
• Rentplus: UK rent-to-own specialist helping tenants purchase via accumulated rental credits. Closest functional analogue to Keyzy's 100%-rent-credit model, operating nationally with a longer operating history.
• Wayhome: UK-based rent-to-own platform targeting first-time buyers with a deposit-assistance model. Direct competitor to Keyzy in the same London/UK geography with similar path-to-ownership mechanics and similar target segments.
• Home Reach (SO Resi): Shared ownership provider helping first-time buyers staircase into full ownership. Competes with Keyzy for the same deposit-constrained buyer segment via a different ownership-staircasing mechanism.

Emerging players

• Bricklane Technologies: UK proptech platform enabling fractional investment in single-family rental portfolios. Adjacent model that demonstrates UK institutional capital appetite for tech-enabled housing finance, relevant for Keyzy's PropCo ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/keyzyhomes
• Facebookfacebook.com/keyzyhomes

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Keyzy