Start Light

The homfi guarantee is a modern form of rental security that replaces the traditional cash deposit. This means that when you rent a property through the Start Light program, you don’t have to pay a deposit before signing the lease. Instead, homfi provides a guarantee that protects the property you’re renting — up to the guaranteed amount. It’s a simple solution that lets you avoid tying up your own money at the start of your lease, making the whole process more comfortable and convenient.

If you decide to terminate your lease before 12 months (and if your agreement allows for it), you’ll need to pay the difference to cover the full amount for a 12-month period. However, if you choose another property within the Start Light program, you can just continue paying your contributions — no unnecessary hassle or extra costs. Simple and flexible, just how we like it.

Yes, purchasing tenant liability insurance is mandatory for all rental agreements with homfi, regardless of whether you choose a traditional deposit or the Start Light guarantee. It’s a small cost that provides coverage for damages up to PLN 100,000, giving you peace of mind and added security throughout your lease.

If your financial situation changes and you’re having trouble making your Start Light payments, let us know as soon as possible. We’ll work together to find the best solution. There are plenty of options — early lease termination (if a new tenant can be found), spreading payments over time, or another arrangement tailored to your specific situation.

If the damage caused in the rented property exceeds homfi’s guarantee amount, the tenant is responsible for covering the excess. In this case, the mandatory tenant liability insurance offers additional protection by covering the cost of physical damages. However, please note that liability insurance does not cover financial obligations such as unpaid rent.