Hello future homeowner!

Move into your dream home for just 3%, then build up your deposit while you live in the property. It's rent-to-own homes by PublicSquare!

500+ reviews

Please consider whether PublicSquare is the right fit for you and your family.
Terms, fees, and conditions may apply.

Does not affect your credit score.

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Selected rent-to-buy home customers enjoying their homes.

A better path to homeownership

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Move in for just 3%
(no upfront bond, LMI, or stamp duty)
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Continue building your deposit
(with weekly contributions)
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Switch to mortgage when ready
(with our Future-Mortgage Guarantee)

Stop renting.
Start owning.

1. Move in for just 3%

Lock in your dream home for just 3% of the home price, which you can use in full later as your home loan deposit. With PublicSquare, there is no upfront bond, Lenders Mortgage Insurance (LMI), or stamp duty.

2. Continue building your deposit

Imagine you pay $600 in rent each week. Just add an additional 50% more ($300) as your weekly contributions. Along with your 3% Kickstarter, you'll be on your way to owning your own home.

3. Switch to mortgage when ready

Once you've built up enough deposit, switch to a mortgage using the lender of your choice and complete your purchase of the home. You control the timing, with the option to make the transition at any point within a 4-7 year timeframe. If you can't get a mortgage, our future mortgage guarantee will allow you to sell the home with no commission and recover your contributions. T&Cs apply.
Selected rent-to-buy home customers enjoying their homes.

Some regions may not be available yet.

A guaranteed purchase price

The base purchase price of your home will appreciate at just 3.3% per year which is less than half the national average. (National average is 6.8% for houses and 5.9% for apartments; CoreLogic 1993-2018). Check out our Calculator for more details.
SEP 2021
*Australian property prices were $100,000 higher than one year earlier (CoreLogic)
DEC 2022
*The average Australian home reached a high of over $940,000*
DEC 2024
... If the national growth rate holds, homes will reach an average $1.1 million*
DEC 2026
... Then $1.2 million*

All the perks of owning and more

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Join the homeowner class
Rent money is dead money. *Access the upside of an appreciating asset and start building wealth through ownership.
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Less upfront costs
Get into the housing market sooner without the stress of large deposits and heavy ownership costs. Watch your deposit grow each week while you prep for a home loan.
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Full property management
If something needs fixing, contact your dedicated property manager and leave it to them. Renting-to-own is the best of both worlds.
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More safety and security
Gain more stability for you and your family. You'll have 7 years to complete your purchase. As long as you keep up your payments, nobody will be able to kick you out.
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Future mortgage guarantee
If you can't obtain a home loan, we will sell the property on your behalf with no commission, allowing you to recover your contributions.
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Easy application process
Submitting your online application is easy. It's free to apply and won't affect your credit score.

Success stories

Free to apply.
No credit impact.

HOMEBUYERS
Rent-to-own homesRent-to-own calculatorHomebuyer pre-approvalCommission rebateHomebuyer property searchHomebuyer helpcenter
INVESTORS
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© PUBLICSQUARE TECHNOLOGY PTY LTD

ABN 74653185356

Terms, fees, conditions, and wait times may apply. PublicSquare® is a registered trademark 2315715 of PublicSquare Technology Pty Ltd in Australia. PublicSquare, or "us" or "we", may denote PublicSquare Technology Pty Ltd or its affiliated property vendors and/or owners. PublicSquare, the company, holds Queensland real estate licence no. 4555627. PublicSquare, the company, acts on behalf of property owners and vendors. Featured images may be artist's impressions or digitally enhanced for visual clarity and should not be considered an exact representation. Words such as 'Guaranteed', 'Fixed Under Contract', or similar expressions are subject to, and pertain only to, terms set between Investors and Homebuyers (also known as Tenants or Lessees) via legally binding agreements. All dollar figures associated with property listings are estimates and used for informational purposes only, and subject to the agreements. All offers, terms, and figures are indicative only and subject to the agreements and the availability of participating counterparties. PublicSquare is a real estate company, not a lender or financial advisor, and does not guarantee mortgage obtainment. PublicSquare may refer Homebuyers and Investors to Licensed Mortgage Brokers and Lenders but does not provide brokerage or lending services directly. Homebuyers do not own properties until switching to a mortgage and completing their purchase, which may incur Stamp Duty and LMI. 'Renting-to-buy', 'Renting-to-sell', and buying real estate generally, carries financial risks. Please seek independent advice before making decisions about housing and investment; the content on this website or document should not be the sole basis for such decisions. For more information, please see the disclosure statement on our website or contact us.