Terms and Conditions

Use of this website is subject to the following terms and conditions (the “Terms”). These Terms of Business set out the general terms under which our firm will provide business services to you and the respective duties and responsibilities of both the firm and you in relation to such services. Please read these Terms carefully and if you have any queries, we will be happy to clarify them. By using this website, you are deemed to have read and accepted these Terms and the regulatory restrictions governing the use of this website. We reserve the right to modify these terms at any time and IF any material changes are made to these terms, we will notify you.

“We”, “us” or “our” refers to all companies within the Dwellr Group.

Governing Law and Jurisdiction

Information appearing on this website is provided in accordance with and subject to the laws of Ireland. In the event of any disputes all parties shall be bound exclusively by the jurisdiction of the courts of the Republic of Ireland.


The pages on the website are for information only and do not constitute financial or other professional advice in any way nor does it constitute an offer by us.

Access to site

Dwellr reserves the right to suspend or withdraw access to the pages of the website without notice at any time and accept no responsibility for these pages or website not being available at all times. We reserve the right to deny users access to our site or any part of it without notice and to decline to provide the service to any user that is in breach of these terms and conditions. This website is intended solely for the use of potential customers who wish to avail of a Lease to Own agreement through their web browser. It is explicitly forbidden to access this website for any other purpose or in any other way. In particular, screen-scraping and other similar illegal activities are forbidden and will not be tolerated.

Disclaimer of liability

No member of Dwellr Group (or any other person involved with the provision and maintenance of this website) accepts any responsibility for or makes any representation or warranty or undertaking of any kind (whether express or implied) in relation to the analysis or information contained in this website and to the completeness, timeliness, availability, suitability, reliability or accuracy of such information.
The use of such information is at the user’s sole risk. We do not accept any liability for any loss or damage of any nature including but not limited to loss of profits, goodwill or any type of financial or other pecuniary or direct or special indirect or consequential loss howsoever arising whether in negligence or for breach of contract or other duty as a result of (i) use of this website including but not limited to any electronic mail messaging and internet communication that may arise from, in the course of or pursuant to such use; and/or(ii) reliance on the information contained in this website, whether a) downloaded or not b) authorised or not.


We reserve the right at any time, without notice, to revise the contents of this site including these Terms and Conditions.  By continuing to use this site following any such changes you will signify that you agree to be bound by the revised changes.


The copyright and all other rights in all pages on this website are the property of the Dwellr. All rights are reserved however individual sections on the site may be downloaded or printed solely for private use. It is not permitted to reproduce copy or transmit any of the content for any other purposes without prior written permission.

Links to other sites

If this website contains hypertext links to websites not maintained by us, we do not endorse or represent the reliability, accuracy, or quality of any information, goods, services or products displayed or advertised on such other websites. You are reminded that different terms and conditions will apply to you as a user of such websites. Access to third party services is entirely at your own risk. No third party is permitted to create a link from another website to this website without our prior written permission.

Personal data

All personal data will be handled and processed in accordance with the Dwellr privacy policy.

Description of services

The Dwellr options paves a new path for people to become homeowners. Successful applicants sign up to a Lease Agreement of 36 months on their selected property. The lessee is not a traditional tenant but a prospective buyer.

The Lease to Own agreement outlines the lease period, the amount and purpose of the down payment, and the terms for the future purchase.

The Lease to Own Agreement explicitly differentiates between the monthly lease payments made for the right to occupy the property and additional payments that constitute the down payment towards future ownership. With Dwellr's application rules successful applicants are assured of being mortgage ready at the end of the Lease-to-Own term (max 36 months). Monthly payments are made to Dwellr with a portion of the monthly lease payment being deposited in an escrow account for the lessee. This escrow account is a deposit savings mechanism for the lease to save for the 10% down payment required to secure a mortgage. At the end of 36 months the lessee can then apply for a mortgage.
Building Insurance is the responsibility of Dwellr during the Lease-to-Own term. The chosen property remains the property of Dwellr's regulated funding partner until either the mortgage is drawn down or the lessee decides not to proceed and purchase the property.
If the lessee decides not to buy the property at the end of the Lease-to-Own term they can withdraw their savings (less fees applying, if any).

Customers' Duty of Disclosure

You are required to answer all questions posed by Dwellr honestly and with reasonable care – the test will be that of the ‘average consumer’. Average consumer as per Directive No 2005/29/EC of the European Parliament and of the Council of 11 May 2005 is reasonably well informed and reasonably observant and circumspect, considering social, cultural, and linguistic factors. Specific questions will be asked. Where you do not provide additional information (after being requested to do) it can be presumed that the information previously provided remains unchanged. Non-disclosure of material information can result in an application, and any and all future applications) being rejected.

Completed application forms

A copy of the Completed Application Form will be provided to you.  This is an important document as it forms the basis of the contract between Dwellr and you, the consumer.  You should review and confirm that the answers contained within are true and accurate.

Conflict of interest

It is the policy of Dwellr to avoid a conflict of interest when providing services to clients.  Where an unavoidable conflict arises, we will advise you of this in writing before providing any business services.  If you have not been made aware of any such conflict you may assume that none arises.

Default remedies

Dwellr’s actions in the event of default by the client are:

  • Failure to comply with the terms of the Lease to Own Agreement may mean that Dwellr and/or its regulated funding partner obligations under the lease will be terminated.
  • Dwellr and/or its regulated funding partner will exercise its legal rights to obtain any payments due to it from our clients.

Complaints procedure

Dwellr has in place a written procedure for the handling of complaints.  This procedure ensures that all complaints are recorded and acknowledged within 5 business days.  All complaints are fully investigated, and the complainant updated at intervals of not greater than 20 business days.  We will attempt to investigate and resolve a compliant within 40 business days.
All complaints should be directed in writing to Data Protection Office (support@dwellr.ie). If a client remains dissatisfied with the handling of and/or response to a complaint they may refer the matter to The Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2.

Data protection

Dwellr complies with the requirements of the General Data Protection Regulation 2018 and the Irish Data Protection Act 1988-2018.
Dwellr is committed to protecting and respecting your privacy.  We wish to be transparent on how we process your data and show you that we are accountable with the GDPR in relation to not only processing your data but ensuring you understand your rights as a client.

The data will be processed only in ways compatible with the purpose for which it was given and as outlined in our privacy policy; this will be given to all our clients at the time of data collection.
We will ensure that this privacy policy is easily accessible.  Please refer to our website www.dwellr.ie. All prequalified applicants will receive a copy by hard copy with a copy of their completed Lease Application Form.

Privacy policy

We take your privacy seriously and we will only use your personal information to provide you with information on the products and services you have requested from us. 
If you would like to know more about how we manage your personal data simply click here to view our Privacy Notice.

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