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rent to buy mortgage?

one of my colleagues has been offered a rent to buy mortgage. i am looking at one as an option for us due to low deposit, poor credit ratings etc.
the monthly payments are not really an issue, but put simply how do they work? my colleague is very erratic financially and his explanation clearly shows he has no idea what he has signed up to!
i have searched on google etc but the advice all seams very vague and sometimes contradicory.
some seem to be as short as a year worht of renting, whereas his is 5 years which is more likely what we would need aswell. any advice gratefully recieved
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