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Sunday, February 22, 2026
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FINANCE TECH HELPS BUYERS SPREAD THE COST OF MOVING HOUSE

Advances in technology are enabling would-be homeowners to ease the financial pressure of moving house, as payment plans typical of the retail sector make their way into property.

Deko, a consumer finance technology provider, is working with estate agents and letting agents to provide alternative payment options to those moving house, with expenses covered including conveyancing, house listing, removal costs and rental deposits.

Companies in the property sector offering finance through Deko include estate agents Emoov and Mov8.

The development comes as property agents adapt to the competitive nature of the market, which has been affected by economic factors that are constraining consumers’ ability to get on the property ladder, upsize or enter new rental contracts. By offering deferred payments or instalment plans, it is hoped that agents can make homeownership more accessible and attract more business, including from those in the private rented sector.

Kaye Rickards, sales and marketing director at Deko, said: “Buyers and renters all face hefty costs when moving to a new house, and this burden is only growing as the housing crisis deepens. Being able to spread the cost of some of the typical outgoings helps to soften the blow and can often be the difference between a transaction going ahead or not.

Traditionally, our platform is suited to the retail sector – everyone’s heard of payment plans when it comes to buying a TV, for example – but we didn’t see why it couldn’t be applied to the property market, especially as moving house is the most common expense that many people struggle to fund. We think it’s got the potential to make a big difference in this space.

Deko’s platform carries out all the necessary affordability and fraud prevention checks, facilitating responsible lending and ensuring that applicants are in a financial position to follow through with payments.

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