Bayuti

Bayuti App

About this app

Bayuti. Own together. Owe no one.

You want a home. That is the only reason to have this app on your phone.
Find out where you stand today, for free.

Five questions are the backbone of your Bayuti Score. Two minutes, and you see how ready you are to own your home, free. It is built from your home deposit, your income, your city and the kind of home you want. No credit check, and nothing recorded against your credit file. Identity, appropriateness and security checks come later, when you are ready to buy.

A lower score means we start earlier, not that we stop.
If your score is low, that is the beginning of the plan rather than the end of the conversation. We show you an honest picture of where you are, and we build the next months out with you. What to grow, by how much, by when. You review it every month, watch your score move, and adjust as your life changes. Your readiness is not a verdict. It is something you build.

You own from the first day, and you owe no one.
With CrowdToLive you put in a low deposit and take a real share of your home immediately. No debt. No interest. You buy more of your share over time, until it is entirely yours.

You choose the home, and you see everything.
You choose what you actually want and what covers your needs, rather than picking from a list somebody else drew up. Everything is tracked in the app, step by step, so you always know what is next. Clear, transparent, honest.
Your deposit grows while you get on with your life.
If you want to grow your deposit, Amana by Bayuti is the home deposit builder. Rather than leaving it in an account doing nothing, you invest it and grow it, adding every month by direct debit, working towards a date rather than a someday. Capital at risk.

Own together, in action.
Community ownership is a commitment we have made. Bayuti Invest is how you keep it. From £50, you own a share of a home you help someone else live in.

Namyia by Bayuti is joint home ownership, and the other half of CrowdToLive. A Champion, the person buying, owns the share of their home they can afford today. You and other investors own the rest, under the Islamic principle of Musharaka, and the Champion pays Ijara on the portion they do not yet own. They staircase, buying more of it from you over time, until the home is entirely theirs. You are not a landlord. You are a co-owner being bought out on purpose. Capital at risk.

Taddart by Bayuti is community ownership at the scale of a street. You own a share of social housing, let to managing companies who sublet to local councils and the Home Office, so the homes a community needs most stay in use. Capital at risk.

Your money is somebody's kitchen. Their staircasing is your return. That is own together in real terms, and not as a phrase.
Regulated and Shariah compliant, and neither is a footnote.

Authorised and regulated by the Financial Conduct Authority, FRN 822039. Shariah compliant, certified by Islamic Finance Advisory, certificate 2478875-01. No interest anywhere in the structure. Not reduced, not restructured. Removed.

What the names mean.
Bayuti comes from bayt, the Arabic word for home. Taddart is Amazigh for house. Amana means something held in trust, kept safe and returned to its owner. Your deposit is an amana, and we treat it like one. And the person buying their home through CrowdToLive is not an applicant or a case. They are a Champion.
The names are not decoration. They are the instructions.

Are you Bayutiful?
Bayuti. Own together. Owe no one.
Bayuti is a trading name of Elite Capital and Management Services Limited, authorised and regulated by the Financial Conduct Authority, FRN 822039. Capital at risk. Don't invest unless you're prepared to lose all the money you invest.

This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more at https://www.bayuti.com/risk-warning