01

What does Pathway do?

Imagine renting a place with a guaranteed pathway to ownership. Pick a location. Tell us your budget. Then we'll map out places you could own, just by paying rent. Best of all, we make deposits optional, so you can start straightaway. That’s years of saving saved.

02

Nobody should pay rent forever

We make deposits optional so everybody with the demonstrable capacity to pay rent can join our club, even those without savings or family support. We work with Canopy, a rental pre-qualification specialist, to make sure your purchase plan is truly affordable. We monitor your current rent so we can offer the aggregate amount to pension funds, and other investors, looking for monthly income.

If you want to get a jump start, before we open the waiting list, get yourself a RentPassport and sign up to track your rent using CanopyGrow Premium.

This gives us the data we need to auction off the right to receive your rent. It will take a while before we're ready to buy your home.

Meanwhile, go to getnude.com and learn how to build your savings. We make deposits optional but, if you have a Lifetime ISA, you'll miss out on a fat cheque from the government unless you use your ISA to buy a home. The folks at Nude will sort that out. Do tell them we sent you.

03

You set the rent. We set the length of the pathway

We'll work with you in 1-2-1 planning sessions to determine an affordable budget. Then we'll map out available homes and the time it takes to achieve full ownership. Each home on the map costs the same amount per month, indexed to inflation. However, the more expensive places tend to have longer pathways because, well, time is money.

04

How do you work out my pathway to ownership?

Learning the points system is a key part of your 1-2-1 planning sessions. We divide your monthly budget into daysrent points, then calculate the number of points you need before you own outright. A 25-year pathway is about 9,200 daysrent. A 30-year pathway is almost 11,000 daysrent. Agree a pathway of exactly 11,000 daysrent and you'll own outright in 30 years, 1 month, and 12 days.

05

We're in this together

Pathway is a club of renters who would rather be owners. If you went alone to apply for a mortgage with no deposit who'd listen? A crowd of thousands willing to pay millions per month would be too big to ignore. We reckon five to ten million pounds a month might do the trick.

Don't just stand there. Join us.

06

Be part of the movement

We're building a community where young families pay rent, in exchange for ownership, and older families fund these homes, in exchange for income. For this to work, we need thousands of pre-qualified tenants willing to join. Then, we'll tell investors - like retirement funds - how much our community is willing to pay them if they buy homes for us.

07

Where does the money come from?

Pension funds owe their members about £2 trillion of future monthly income. That's hundreds of billions more than all the money British banks have lent as mortgages. Ten million British renters pay their landlords more than £7 billion, month in, month out. There's a trade to be done here.

What if this works? We're building one of the most profitable FinTech businesses in Europe. We will offer our Premier members the opportunity to earn shares in Pathway for helping us build the business. We're brewing something big. Join us.

08

Who wants to buy monthly income?

Legal & General manages hundreds of billions of retirement money for its clients. You could say the same about Aviva. LGPS holds £250 billion to pay retirement income to local government staff. The Universities Superannuation Scheme holds £90 billion to provide retirement income for hundreds of thousands of university academics and staff. BT holds £50 billion to fund the retirement of 270,000 telecoms staff. Railpen holds £37 billion to pay monthly income to tens of thousands of retiring rail workers. We left five thousand companies off this list.