Rent-To-Own

Rent money is often referred to as "Dead Money" as it offers no return on investment. At XPANDECO, we understand the frustration that comes with paying monthly rent while not building equity or moving closer to homeownership. That's why we offer a solution in the form of rent-to-own homes. With our rent-to-own program, individuals can get into the market sooner, bridging the gap between renting and owning. This innovative approach allows individuals to build equity over time while enjoying the benefits of living in their dream home. XPANDECO is committed to making the journey towards homeownership accessible and affordable, ensuring that rent money can finally be put to good use.

✅ 2.5% jumpstarter deposit

✅ Fixed weekly payments

✅ Guaranteed purchase price

For R-T-O Renters/Buyers

Rent-to-own homes are a popular option for young professionals and families who want to buy homes. However, not all rent-to-own products are the same. The terms and conditions can be different, so it's important to do your research. XPANDECO is a provider of rent-to-own homes that offers a variety of significant advantages in the era of affordability and sustainability.

* Not everyone is suitable for purchasing a R-T-O home.

We will provide you with a Real Estate Attorney + Certified Accountant to help you make the right decision.

Straightforward Breakdown

1 Rent-To-Own Unit will cost - $216,000

Jumpstart Deposit - 2.5% of housing cost - $5,400

Fixed Monthly Rates - $2,000

75% House Principal - $1,500 - 25% Utilities and Management Fees - $500

Annual Principal Amount - $18,000

12 Year Payoff Amount - $216,000

After diligently making payments for 5 years and contributing a substantial amount of $90,000 towards the principal cost, the buyer now has an enticing opportunity to secure financing for acquiring the property or alternatively, sell the unit on the market and reap the benefits of accumulated equity within the house. This marks a significant milestone for the buyer, as the accumulated equity serves as a testament to their commitment and financial prudence. However, it is important to note that post-sale, the buyer must assume the responsibility of paying off the remaining balance on the property along with 25% of any accumulative equity's. This is a crucial step towards fully realizing the rewards of their investment and attaining complete ownership.

Intro to R-T-O

Rent-to-own homes have become a popular solution for young professionals and families alike in Australia.

With the soaring prices of real estate, the option to rent a home with an eventual opportunity to buy provides flexibility and financial stability. However, it is crucial to be aware that not all rent-to-buy products are created equal.

Terms and conditions can vary significantly, making research an essential step in the process.

As a provider of rent-to-own houses and homes in Australia, XPANDECO stands out by offering a wide range of benefits. One of the most important advantages is the opportunity to own eco-efficient and sustainable homes, catering to the increasing demand for environmentally friendly options. With XPANDECO, individuals can enjoy the benefits of both homeownership and a commitment to sustainability.

Your Choice

At XPANDECO, we understand the importance of finding the perfect home that aligns with your purchasing power. With our services, you have the freedom to choose from our eco designed home models, as long as it fits within your budget. We excel in the real estate market by not only helping you find a home, but also by facilitating the transaction process. Just like a buyers agent, we handle all the intricate details, negotiating with sellers and agents to ensure we secure the best possible starting price for your new home. With us, you can rest assured that your home buying experience will be smooth, efficient, and tailored to your needs.

No upfront fee for R-T-O

With XPANDECO, there are no upfront fees. Unlike traditional home-buying processes that require significant upfront costs, XPANDECO offers a more accessible option. While a starter payment of 2.5% of the initial home price is required, this amount is not lost but rather acts as a valuable investment. This payment jumpstarts your purchase offset, which can be used entirely when you are ready to finalize the purchase of your home. Additionally, although you need to hire a lawyer and an accountant to ensure transparent contract terms, XPANDECO promptly reimburses these costs, which typically amount to around $800. This reimbursement is provided as an extra purchase offset that becomes available after you have moved into your new home. By eliminating the need for upfront fees, XPANDECO's rent-to-buy homes enable you to bypass the usual financial hurdles associated with home-buying. With no requirement for a standard 10-20% deposit or the burden of paying for the initial stamp duty, you can achieve the dream of living in your ideal home in a matter of weeks instead of years. Furthermore, XPANDECO does not impose additional charges such as risk fees, application fees, bond expenses, or lender's mortgage insurance (LMI). Our aim is to simplify the home-buying process and offer a financially feasible solution that puts your needs as a buyer first.

Price Lock Guarantee

XPANDECO's rent to buy homes offer a unique opportunity for potential homeowners to secure their future at an unprecedented rate of just 3.3% per year. This rate stands as the lowest among all rent to own homes companies in Australia that we have come across. In fact, it is less than half of the national growth rate observed over the past three decades. By opting for our rent to buy program, after a mere two years of residency, individuals have the option to purchase their property at an incredibly favorable appreciation rate, coupled with complete visibility into our costs through our transparent onboarding process and calculator. This gives our clients absolute confidence in their decision-making and offers a clear path towards homeownership.

Fixed weekly payments including bills

At XPANDECO, we understand the concerns and stress that can come with managing multiple bills and expenses. That's why we're here to provide you with a hassle-free solution. With our service, your weekly debit amount will remain consistent for up to five years, ensuring stability and predictability in your budgeting. What's more, this amount covers all your essential bills, including electricity, water, gas, and even internet. We go above and beyond by also taking care of council rates and body corporate fees for you, tasks that would normally require your effort and attention. Our customers have expressed their satisfaction and relief in the simplicity of making just one single payment per week, allowing them to focus on more important aspects of their lives while we handle the rest. With XPANDECO, say goodbye to bill-related stress and experience a worry-free, efficient way of managing your finances.

Sell Option

At XPANDECO, we understand that sometimes unforeseen circumstances can arise, leading to a change of plans or financial difficulties. In such situations, if you find yourself unable or unwilling to proceed with purchasing a property or continue making weekly payments, we provide you with the flexibility to request a sale of the property. Depending on market performance, this may even result in a full reimbursement of all your contributions made to date. In some cases, it's even possible to realize a profit if the market has performed favorably. Our aim is to ensure that our clients have options and are protected against unexpected circumstances, providing them with peace of mind and financial security.

The Bottom Line

Rent to own homes are becoming increasingly popular among individuals who are eager to enter the housing market but are hesitant to continue pouring money into rent with no return. These homes provide a unique opportunity for potential homebuyers to put their hard-earned money towards a future investment instead. One of the major advantages of rent to own homes is the ability to lock in a future price guarantee, safeguarding buyers against the unpredictable nature of the rising property market. XPANDECO recognizes the appeal of rent to own homes and offers a technology-focused product that caters to this growing demand. With no upfront fees and a base purchase that appreciates at just 3.3% per year, XPANDECO provides customers with a transparent and affordable pathway to homeownership. Moreover, the company's advanced software enables them to process customer applications up to 10x faster than traditional banks, streamlining the onboarding process and providing a seamless experience for potential homebuyers.