Keyhold™
By Keygage & Morston
Redefining Property Ownership for All
Keyhold™ is the revolutionary new way to access homeownership without relying on traditional mortgages or paying dead-end rent. Whether you're a first-time buyer, renter, current homeowner, or looking to move - Keyhold™ offers flexible, secure, and fair pathways to owning your home.
Why Are We Still Paying Interest Just to Own a Home?
For over a century, we’ve accepted a strange reality:
If you want to own a home, you must pay interest on money borrowed from a bank - and that interest can change at any time.
No other major life investment works this way. You don’t buy a car, a business, or a laptop with a financial time bomb attached. So why have we normalised it for the biggest purchase of our lives?
The Mortgage Problem
Mortgages combine two things that should be separate:
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The price of the home (which should be fixed)
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The cost of borrowing money (which is unpredictable)
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By attaching interest rates to your home, the system does three things:
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Creates lifelong uncertainty - You’re always at risk of rising rates, even after 10+ years of payments.
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Wastes time and energy - People are forced to constantly monitor the market, remortgage, refinance, switch deals.
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Limits life choices - People stay in jobs they don’t like, delay starting families, or avoid entrepreneurship - just to keep up with unpredictable housing costs.
It Doesn’t Have to Be This Way
At Keygage & Morston, we’ve built something different.
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We separated the idea of ownership from interest-bearing debt. Instead of borrowing from a bank and paying interest, you partner with us to buy your home - then gradually buy us out over time, at a transparent, agreed-upon cost.
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Hello, Keyhold™
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No interest.
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No rate hikes.
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No threat of repossession.
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Just ownership on your terms.
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This isn’t a loan. It’s not shared ownership. Keyhold™ is a new category: one where people own homes, not mortgages. We call it, 'No - Debt Ownership'.
We Believe in Predictable, Human - Centric Housing
Housing is a basic need. It should offer stability, not volatility. A chance to build a life - not a bet on future interest rates.
It’s time to stop asking “what’s the best mortgage rate?” and start asking:
“Why are we paying for something where the price always changes?"
If that question resonates with you, Keyhold™ might be what you've been waiting for.
About Us
Founded to challenge the outdated systems of mortgages and renting, Keygage & Morston brings purpose-driven property solutions to the modern world. While most people were stuck choosing between outdated options - renting or taking on a mortgage - we saw a broken housing system defined by rising costs, rigid terms, and inflexible banks. So we built a better path to ownership.
The mission, to make homeownership accessible, fair, and sustainable for all, regardless of background or financial situation.
Our Journey: From Vision to Reality
2022 - The Idea Was Born
The concept of Keyhold™ was created in response to rising homeownership challenges, aiming to offer a fairer, more supportive alternative to traditional mortgages and renting.
What is Keyhold™?
Keyhold™ is a new form of homeownership that replaces both mortgages and renting. It allows buyers to own their homes through a secure, low-rate partnership model with investment backing - without interest-loaded debt or wasteful rent.
With 25 year fixed rates between just 1.99% and 3.25%, and the ability to enter with as little as 5% and up to 40% deposit, Keyhold™ offers a more affordable, more future proof, and more flexible path to true ownership - without banks, compound interest, or lifetime renting.
Why It’s Different
How It Works
No Interest. No Banks.
No Dead-End Renting.
A Smarter Way to Own with Keyhold™
Say goodbye to the stress of mortgages, banks, and endless renting. At Keyhold™, we partner with you - not profit from your debt.
What Makes Us Different?
No Banks Involved
We're not a lender. We're a partner. That means..
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No credit-score anxiety
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No approvals based on outdated criteria
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No bank middlemen
No Interest
Unlike traditional mortgages that charge compounding interest, Keyhold™ offers a simple fixed rate of 1.99% - 3.25%, based on your plan and profile.
That means no ballooning debt or unpredictable payments.
Exit On Your Terms
Keyhold™ is designed for flexibility
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Exit by selling your property at any time, with no fees
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Buy out more equity as time goes on
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Move or restructure your plan without penalty
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Get started with as little as 5% deposit
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Available for up to 95% LTV (Loan-to-Value)
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Backed by regulated investment partners
Lower Deposits, Real Ownership
Better Than Renting
Renting gives you no equity, no control, and no long-term gain.
With Keyhold™, your monthly payments build real ownership - not your landlord’s wealth.
Homeownership Support Plan
Life can change - and we’re ready for it. With Keyhold’s HSP™
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Temporary payment flexibility during tough times
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Restructuring options to keep you in your home
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Support team focused on solutions - not repossession
How Keyhold™ Stacks Up
Rated by an Independent Panel of Industry Experts
We asked a panel of independent housing, finance, and real estate professionals from the UK, US, and Europe to evaluate the top three models of residential living:
Keyhold™, traditional mortgages, and renting.
Each was rated out of 10 across key criteria: affordability, accessibility, ownership potential, and long-term security.
Keyhold™ vs. Mortgages vs. Renting: Independent Ratings
Average Score (Out of 10):​
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Keyhold™: 9.36
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Mortgage: 5.82
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Renting: 3.91
What Makes Keyhold™ a Smarter Path
Keyhold™ is not just a financing alternative - it’s a complete ownership upgrade.
Here’s why industry experts consistently rank it highest
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Low fixed rate: 1.99% - 3.25%
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Own with just 5% - 40% equity (not 90% + debt)
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No interest-on-interest or compounding
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Includes Stamp Duty support - reduce upfront costs and spread them over time
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Equity-based model with full ownership over time
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Built-in Homeownership Support Plan (HSP) to help protect buyers during life events
What the Experts Say
“Keyhold™ is the most innovative housing model we’ve reviewed. It combines flexibility, fairness, and security in a way neither traditional mortgages nor renting can.”
- Independent Housing Finance Review Panel
Take the Next Step
Compare your options, explore your pathway, and discover how Keyhold™ can work for you.
The Keyhold Pathways™
Whether you’re a first-time buyer, a renter ready to transition, or a homeowner looking to move - Keyhold™ has a pathway designed just for you.
Explore our Keyhold Pathways™ below.
The Keyhold Pathways™
1. First-Time Buyer Partnership™
Get on the ladder with low deposits and no mortgage stress.
2. Renters Pathway to Ownership™
Use your rent history as your track record. Transition from rent to ownership.
3. Mover Upgrade Plan™
Move up the property ladder with Keyhold™ backing - no chain delays.
4. Equity Protection for Existing Owners™
Stay in your home while unlocking value. Ideal for those struggling with payments.
5. Keyhold Bridge Plan™ (Chain-Free Move Assistance)
We purchase your next home while helping you sell your current one - stress-free and chain-free.
