Home Variant

Struggling to raise a house deposit?

Work on your credit score*, raise a deposit and achieve your financial goals. Apply Now.

Irene's Story

Irene

“Buying a property can feel so unachievable, especially in London but knowing I had StepLadder to keep me on track made it much easier”

Dr Irene Asamoah, 29,
NHS Doctor and proud homeowner in London

Currently Available Circles

First Steps
  • TARGET
    £500
  • DURATION
    20 months
  • MEMBERS
    20
  • MONTHLY
    £25
  • FEE
    £1
Join Now →

First Steps
  • TARGET
    £1000
  • DURATION
    10 months
  • MEMBERS
    10
  • MONTHLY
    £100
  • FEE
    £5
Join Now →

Home Step Circle
  • TARGET
    £3,000
  • DURATION
    12 months
  • MEMBERS
    12
  • MONTHLY
    £250
  • FEE
    £10
Join Now →

Home Step Circle
  • TARGET
    £6,000
  • DURATION
    12 months
  • MEMBERS
    12
  • MONTHLY
    £500
  • FEE
    £17.50
Join Now →

What our Members think

review_new
Review3
review4

As seen in..

As seen in..

How it works

1

Tell us your goal, and how much you can afford each month.

2


We’ll match you to a Circle of people with the same financial goal.

3


Everyone contributes the same amount
each month.

4

Each month, one person in the Circle is randomly allocated the total.

5


This repeats every month for the duration of the Circle, until everyone has received their deposit.

Circles aren't just for your deposit!

Circles aren't just for

your deposit

You can use our Circles for any part of the home buying journey

Getting Started
Take the first step and get
used to putting money aside.

Raise your Deposit
Be your own 'bank of mum and dad'
and raise your deposit.

Moving In Funds
Kit out your new crib without
sacrificing the fun times

What are the benefits?

We’ll support you, as you support each other.

As a StepLadder Member, you’ll get access to 1:1 support, specialist knowledge and group discounts for service providers throughout your experience, and across the full property buying process.

Illustration-16 1
Support

Direct access to the StepLadder team of property market experts, wellness coaches and financial cheerleaders.

tags-compressed
Discounts

Our property purchasing service
partners provide Members’
with discounts worth up to £1,500

clock-compressed
Speed

90% of StepLadder Members get
their property deposit faster
than saving alone

Illustration-16 4
Your Credit Score

Paying into a StepLadder Circle
could improve your credit profileˆ

Illustration-16 2
Community

Saving in groups increases
chances of success by 300%

Important Information

ˆMissed or late payments may have an adverse effect on your credit score. Using StepLadder’s P2P product you will lend to and borrow from other Members in your Circle. Capital at Risk, Not FSCS Eligible. Some of our trusted partners pay us a commission should you choose to use them.

Communities all over the world

raise money in this way

Communities all over

the world raise money

in this way

A secret weapon to supercharging your savings. Peer-to-peer lending solutions have been helping people all over the world to raise money faster for decades. Every community has a different name for it - Partner, Susu, Committee, Chit Fund.

Ours is Circles, and is the only digitally available solution in the UK.

Map of World

Map of World
Carribean: Partner South America: Tandica Brazil: Consorcio Western Africa: Asusu Nigeria: Ajo South Africa: Stokvel Egypt: Jameya Pakistan: Committee India: Chit Fund China: Hui

Carribean: Partner

South America: Tandica

Brazil: Consorcio

Western Africa: Asusu

Nigeria: Ajo

South Africa: Stokvel

Egypt: Jameya

Pakistan: Committee

India: Chit Fund

China: Hui

Not Found What

You're Looking For?