HOMEOWN
Homeown gives you a clear, time-limited way to become mortgage-ready while already living in the home you intend to buy.It is a structured service, built to bring clarity, stability and predictability to a stage of the housing journey that has traditionally been unclear and difficult to navigate.There is no pressure and no obligation, simply a defined route and a clear end point.
Problem
For many households in Ireland, the difficulty is not sustaining a mortgage over the long term. The difficulty is reaching the starting point.People with stable income, consistent employment, and manageable financial commitments continue to be delayed by the timing and scale of the deposit requirement.This is a structural sequencing problem, not a question of creditworthiness.Homeown exists to address that specific gap, the years between being capable and being able.
Pathway
The Homeown Pathway is a defined, structured service that gives you the ability to live in the home you intend to buy, long before your mortgage actually begins.It is not lending, not savings, not rent-to-buy, and not a tenancy. Instead, it is a regulated-aligned programme that allows you to move into a suitable home under a licence to occupy, progress through a transparent sequence, and ultimately complete a standard mortgage-funded purchase at the original acquisition price.Everything about the Pathway is built to be predictable: clear rules, clear responsibilities, clear stages, and a clear conclusion.
Steps
Entering the Pathway begins with a simple eligibility check to confirm the factual requirements needed to participate, including income stability, commitments and suitability for a licence to occupy. Once you meet these criteria, you identify a home on the open market that fits within your approved price range. From there, Homeown purchases the property through a dedicated acquisition company and holds it specifically for your future mortgage.You move into the home under a licence to occupy, not as a tenant and not under any form of rental arrangement. You pay the Domiter, a single monthly service fee that supports the operation of the Pathway. Within that fee, Homeown records conditional Pathway Credits internally; they are non-vested, they do not operate like savings, and they activate only when the Pathway is completed and a regulated lender issues a mortgage offer.When the time comes, and once a mortgage offer is secured, you purchase the home at the same price it was acquired for at the beginning.The transition is a normal mortgage transaction, with title transferring from the acquisition company to you.
Fit
The Pathway is designed for households who can sustain a conventional mortgage but remain blocked by the timing of the deposit requirement.It supports people whose lives are progressing faster than their ability to save, renters facing high living costs, households living with family, separated or single parents, returning emigrants rebuilding in Ireland, essential workers with steady income, and anyone for whom traditional savings timelines have become unfeasible.What all these circumstances share is not financial weakness, but a structural delay that Homeown is specifically built to help resolve.
Clarity
Homeown has been designed around transparency, alignment and accuracy.It does not replace a mortgage; it precedes one.
It is a structured service, not a form of lending.
It offers a licence to occupy, not a tenancy.
It involves conditional internal credits, not savings or equity.It leads, by design, to a standard mortgage-funded purchase, from an independent lender, at the original price.Everything is explained up-front. Nothing is hidden. The same rules, the same obligations and the same protections apply to every household.
Join
We are preparing the first group of households to enter the Homeown Pathway.By joining the Early Cohort, you will receive structured updates as we move toward launch, along with priority access when eligibility checks open.Registering your interest carries no obligation, it simply places you at the front of the queue when the service becomes available.
Register your interest
Join the Early Cohort and receive structured updates as the Homeown Pathway prepares to open. There is no obligation and no commitment at this stage.
Homeown will only use the details you provide to contact you with updates about the Pathway. Your information will not be shared, sold, or used for any other purpose.
Thank you
We’ve received your details and you’re officially on the Early Cohort list.As we prepare to open the Homeown Pathway, we’ll keep you informed with clear, structured updates about the steps ahead.There is nothing you need to do right now.When the first eligibility checks open, Early Cohort members will be contacted before anyone else.If you have any questions in the meantime, you can reply directly to the confirmation email or contact us through the website.We appreciate you taking the first step.