How it works - Ownest rent-to-own program

We make living in your own home possible

We will buy your dream apartment for you — and while you live in it, you can save for your mortgage down payment.

Easy registration

Fill out a simple questionnaire to learn your purchasing power — the estimated value of the property we can buy for you. Registration is fast and completely non-binding.

Documents and approval

Necessary documents

In the "My Ownest" customer portal, you’ll find a list of the documents we need from you. Based on these, we will determine your exact budget for the apartment purchase. You’ll also receive draft contracts from us, which we’ll review together at your pace. Once everything is approved, we can start shopping.

Choosing an apartment

What to consider when choosing

Once we agree that the home you have chosen is the right one, we will submit an offer to the seller and buy the property for you — in cash and quickly. We take care of everything: we accompany you on viewings, arrange the valuation, and handle all required paperwork.

Moving into your own

A new chapter of your life begins — you can finally move into your own place. From now on, you can hang pictures, drill shelves, paint the rooms… whatever you like. And your four-legged friends are, of course, welcome.

Preparing for a mortgage

During the program, you live in the apartment and pay rent. Meanwhile, you save for your mortgage down payment — or prepare your current home for sale so you can buy the new property. Ownest guarantees that you can stay in the apartment for the entire duration of the program. No unexpected moves.

Buying the property

When you are ready for a mortgage, you can buy the apartment from us at a pre-agreed price. We will help you negotiate with the bank as well. And if your plans change, you can simply leave — along with the savings you have accumulated in your own bank account.

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Buyback Price Calculation

Ownest guarantees your buyback price — regardless of how real estate prices move. And because we act fast and give the seller full certainty, we can often negotiate a better purchase price for you.

Apartment offer price

6,500,000 CZK

Discount for cash purchase

200,000 CZK

Monthly rent

20,600 CZK + fees

Andrea secured an attractive buyback price for 2025 and 2026 — allowing her to buy the apartment back in month 9 or month 18 after moving in.

Year
of buyback

Guaranteed buyback price*

Change in % compared to offer price

2025

6,687,500 CZK

2.88 %

2026

7,004,000 CZK

7.75 %

*The price is already reduced by 65,000 CZK (1 %) for the option fee paid at the start of the program (see FAQ) and 1/4 of the discount for cash purchase, to which the client is entitled according to the contract; prices rounded up for simplicity.

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Case Studies

Sonia

Account Manager

Sonia and her family planned to move out of their current apartment because it became too small after the arrival of their second daughter. They used Ownest’s services to secure a larger apartment that had just come onto the market. Thanks to Ownest, they had six months to sell their old apartment — without having to lower the price they needed. After the sale, they bought the new apartment back from Ownest.

With Ownest, Sonia determined the value of her old apartment so she could understand the price range for a new, larger one.

She reviewed offers for bigger apartments in areas with good schools and kindergartens.

Together with Ownest, she chose a spacious apartment that is part of a family house with a garden.

Ownest recommended a realtor who successfully sold her old apartment within three months.

After five months of renting, Sonia bought her new apartment back from Ownest.

Hao

Entrepreneur

Hao is in a situation where he could take out a mortgage and buy an apartment. However, right now he sees the highest return on his capital in his own business, and part of his funds is tied up in other investments waiting to mature. By postponing the purchase, he will soon be able to afford a better apartment thanks to the appreciation of his capital — or take a mortgage for a lower amount.

Hao selected a total of seven apartments from platforms such as Bezrealitky.cz, Sreality.cz, and Reality.iDNES.cz.

After reviewing them with his Success Manager, four of the seven apartments — the ones with the best valuations and layouts — made it to the shortlist.

Hao visited three of these apartments together with his Success Manager.

For two apartments, Ownest managed to negotiate an attractive discount that fully covered the 2% brokerage fee.

Ownest bought the best apartment from the shortlist for Hao. He has the right, but not the obligation, to buy the apartment after 9 or 18 months.

Jana and Libor

Urban Planner and Auditor

Jana and Libor both have above-average incomes, but they still need to save their own funds for a mortgage. They believe that once mortgage interest rates start to fall, property prices will rise again and the supply of apartments in Prague will quickly shrink. That’s why they chose the Ownest path.

They arranged a personal meeting with their Success Manager and agreed on the type of apartments they would search for together.

At the very first viewing — an older apartment in Letná — they wanted Ownest to buy it for them. However, after a thorough check, Ownest discovered legal issues that could significantly reduce the apartment’s future value.

At the second viewing, Ownest made an offer, but another buyer outbid them.

About a week later, the realtor from the second apartment contacted Ownest again and accepted their lower cash offer — the first buyer did not have the funds.

As a result, Jana and Libor secured a high-quality apartment and even saved money.

Frequently Asked Questions