YOUR PATHWAY STARTS HERE!
PATHWAY 2: RENT TO OWN
The Gradual Transition Model
No Deposit. No Mortgage. Own in 6 Years.
For families with existing property equity, or a lump sum, this is the fastest route to complete financial freedom. Sell your Western property, clear your debt, and purchase a Bulgarian home outright — at a subsidised price — in as little as 90 days.
The Problem You're Escaping
You're not poor. You're trapped.
You have a home, possibly equity, maybe even a decent income. But 25-30 years of mortgage payments stretch ahead of you like a prison sentence. Every month, over a thousand pounds leaves your account before you've had a chance to ask what God might want done with it. You're working to pay a bank. And you know it.
The modern church calls this normal. We don't.
How Pathway 2 Works
Build toward genuine ownership
You enter a rent-to-own agreement on a Bulgarian property through the Housing Fund. Your monthly payment is set at a subsidised rate - a fraction of UK rental costs. A portion of every payment goes toward your eventual purchase. At the end of the contract term (typically 6 years), you own the property. The fund retains an equity stake proportional to the subsidy - buyable at any time or settled at point of sale.
No Deposit. No Mortgage. Own in 6 Years.
From renting forever to owning in 6 years — while saving £54,100 along the way.
For families currently renting with little or no property equity, Pathway 2 offers a structured route to ownership - at monthly payments a fraction of what you're paying now.Every pound moves you toward owning outright. No bank. No credit checks. No 25-year sentence.
The Shared Equity Model
The same principle applies as Pathway 1. Not only do you benefit from a significantly more affordable property, but the entry price is subsidised. The fund's subsidy is retained as an equity stake, ensuring the Housing Fund remains sustainable and can help the next family after you. You can buy out the fund's share at any point, or it is settled when the property is eventually sold. This is not debt. It is shared ownership in service of a Kingdom purpose.
Project Transformation
Restoring authentic New Testament community life for 21st-century believers. Practical freedom from debt. Deep discipleship. Genuine fellowship. This is how God's people were meant to live.
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