Abode
Mortgages
Start my journey
The next generation of home ownership · live in every market

The mortgage that
manages itself.

One living agreement that turns rent into deposit, refinances itself around the clock, and keeps the bank, the builder, the landlord and the buyer on a single set of numbers. Everybody wins on the same screen.

Start my journeySee what you win
24/7
Auto-refinancing engine
20%
Below-market rent, banked
1
Shared ledger for all parties
6+
Markets, in local currency
The shift

The old mortgage was a one-off. The new one is alive.

The old way
Save 6+ years for a deposit before you can begin.
Lock a rate once, then overpay for years as the market moves.
Every party argues over a different set of numbers.
New-builds sit empty while buyers and lenders wait.
The Abode way
Move in now — rent banks your deposit from day one.
The agent refinances you the moment a better rate appears.
Bank, builder, landlord and buyer share one live ledger.
Homes are occupied, reserved and earning from completion.
Six new ways to own

The next-generation mortgage, in plain English.

Each one removes a wall that has kept people renting. Mix and match — the engine fits them to you.

01

The Living Mortgage

It refinances itself around the clock. The agent watches every lender and moves you the instant a cheaper rate appears — you never overpay again.

Always the best rate
02

Rent-to-Own Bridge

Your rent isn't gone. ~20% is set aside as deposit from the first month, with a locked option to buy. Move in a tenant, leave an owner.

Rent becomes equity
03

Portable Rate

Your mortgage follows you. Move home without surrendering your rate or starting the whole application over again.

Take it with you
04

Builder-Backed Deposit

Construction partners co-fund your deposit in return for a guaranteed sale. Less for you to save, far faster to own.

Less to save
05

Equity Ladder

Buy your home in slices that suit you — 25%, 50%, 100%. Staircase to full ownership at your own pace, no rush.

Own in stages
06

Co-Buy Pools

Buy with friends, family or a partner. Pooled income lifts your borrowing, shared equity is tracked cleanly, with a clear legal split.

Stronger together
One engine, every party wins

Pick who you are. See exactly what you get.

The same agreement reads differently depending on where you sit — and it's good news from every seat.

For banks & lenders

Loans that perform from the first payment.

Borrowers arrive pre-seasoned — 12–60 months of verified, on-time payments before they ever complete.
Continuous, automated underwriting replaces the one-off credit snapshot.
A guaranteed pipeline of completion-ready buyers, matched to your products.
Projected default risk
−38%
Pre-seasoned, behaviour-verified borrowers mean fewer arrears and stronger books.
How it works

Apply once. The journey runs itself to the keys.

1
Draft
Build your file once — identity, income, references.
2
Match
The engine fits you to homes, products and partners.
3
Move in
Rent below market; your deposit starts banking.
4
Offer
Authorised partners approve in your country & currency.
5
Own
Cross the line and the keys — and the rate — are yours.

The lending decision is always made by authorised partners in your country. Abode assembles the file, runs the numbers, and keeps the rate sharp — 24/7, in your currency.

A mortgage that works
for everyone at the table.

Start your journey in minutes, or partner with us to put your buyers, your builds or your portfolio on the same living agreement.