Scheme helps people enter housing market without deposit

As the Reserve Bank lifts interest rates again saving for a home deposit seems further out of reach than ever for many people. 'Rent to buy' schemes are billed as a way to get into the property market without having a deposit saved. The idea is you sign a lease agreement for a few years with an option to buy the property at the end and a portion of the 'rent' goes towards the customer's equity in the home. But is it as straightforward as it sounds?