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Chartwell Rent-to-Buy

22 Year Home Loan

3 years of renting followed by a 22 year home loan

Fixed Interest Rate

Fixed monthly repayments during the 22 year home loan period

Step into home ownership

Initial rent is approximately 10% lower than home loan option

Fixed House Price

After 3 years of renting, you may purchase the house at the initial Rent to Buy price

Chartwell Rent to Buy purchase your new home

Chartwell Rent to Buy: a typical customer


The typical Rent to Buy customer has a good history of managing their financial affairs and a GOOD CREDIT RECORD but falls short on affordability. The Rent to Buy product offers clients the opportunity to step into home ownership.

Test out home ownership

Some of our customers may qualify for a home loan but they are hesitant to make a long term commitment and enter into a home loan agreement today. However, they would like to secure an option to buy a home while renting.

Build up a credit history

Our customers have, for whatever reason, not yet established an acceptable credit record, but they meet affordability requirements. For example, customers whose incomes are predominantly commission based, or entrepreneurs. During the three year lease period you can build up a credit history with Chartwell.

How does Rent to Buy work?

Your initial rent is approximately 10% lower than the home loan option

The initial rent increases on an annual basis over the three-year period

After 3 years of renting you may purchase the house at the INITIAL Rent to Buy price

Your home loan is at a FIXED interest rate, with a term of 22 years

Chartwell Rent to Buy applies to Chartwell’s Developments. Choose your home here.

Chartwell Home Loans. Financed by Emerging Markets Home Loans, a registered credit provider.

Learn more

Read our Chartwell Blog to learn more about your home loan finance options