Struggling to raise a house deposit?
Work on your credit score*, raise a deposit and achieve your financial goals.
How it works
Tell us your goal, and how much you can afford each month.
We’ll match you to a Circle of people with the same financial goal.
Everyone contributes the same amount
Each month, one person in the Circle is randomly allocated the total.
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
You can use our Circles for any part of the home buying journey
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.
Direct access to the StepLadder team of property market experts, wellness coaches and financial cheerleaders.
Our property purchasing service
partners provide Members’
with discounts worth up to £1,500
90% of StepLadder Members get
their property deposit faster
than saving alone
Your Credit Score
Paying into a StepLadder Circle
could improve your credit profileˆ
Saving in groups increases
chances of success by 300%
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.