Check your buying power
In minutes, enter your income and see exactly what you can afford and when you could own.
Live in it now.Own it later.
Kelo turns your rent into a path to ownership. At least 30% of every monthly payment builds equity toward buying your home — no mortgage deposit needed upfront.
Free in 3 minutes. No credit check required.
See what you could build
Enter your income and savings to see how much equity Kelo can help you accumulate.
Household Income
€/mo
500 €10.000 €
Current Savings
€
0 €50.000 €
Your Path to Ownership
Build up your ownership over time.
Estimated max property price
200.000 €
Your maximum monthly rent
875 €/mo
Equity built in 3 years
19.688 €
Ownership
10%
Deposit
Rent
10.000 €
9688 €
Traditional rent lost over the same period: 31.500 €
Get my personalised plan
Estimates based on 30% equity rate and standard affordability criteria. Your actual plan may vary after a full financial review.
Become a homeowner faster
Apply today to secure your home. Homes are offered on a first-come, first-served basis.
Every month of rent is a choice
Get my personalised planHow Kelo works
Kelo brings people, property owners, and funding partners together in one pathway that turns monthly payments into real progress toward ownership.
Move into your home
Choose from available properties. Sign a standard lease — no surprises, no hidden fees.
Build equity automatically
30% of every rent payment is credited toward your deposit. Watch your ownership stake grow month by month.
Start with one clear plan
You get a transparent step-by-step path from day one, so you know what to do now and what unlocks next.
Build ownership readiness while you live
Each monthly payment supports your long-term ownership pathway instead of feeling like a financial dead end.
Access homes through multiple providers
Kelo connects you to opportunities funded by different property and capital partners through one consistent experience.
Keep the experience provider-agnostic
Your journey, progress view, and support stay the same even when the underlying funding partner changes.
Move forward with data-backed confidence
Eligibility and affordability checks are built into the process so decisions are faster, fairer, and easier to understand.
Track progress toward ownership milestones
You can follow your progress in one place, with clear milestones that show how close you are to your ownership goal.