Wayhome offers a completely new way for people to get on the housing ladder without needing to take out a mortgage.

Homeowners get capital to buy a home worth up to eight times their income with only a 5% deposit.

It also opens up owner-occupied residential property as an asset class for pension funds, who earn inflation-linked rent on the portion the occupier doesn’t own.

It offers a win, win for both homeowners and the investors.