StepLadder gave me so much personalised support during the home buying process. That was the golden ticket for me, I really appreciated having that one-to-one support
87% of our members get their property deposit sooner
Saving in groups increases chances of success by 3x
Group discounts with providers, worth up to £1,500
Interested in learning more about our Circles?
"I came across StepLadder on Facebook and thought it seemed like a great way to make my move onto the property ladder sooner!"
“StepLadder gave me flexibility with my payments when my circumstances changed. The customer service is really personalised, I felt immediately comfortable working through any changes with the Membership team. Would recommend to anyone worried about flexibility.”
“StepLadder really helps with the discipline of saving money for your first home, and I really like the community feel!”
"The idea that we could win any month really inspired us to keep saving! Our Circle host Matt was always available to answer any questions and provided us with advice all the way through our home buying journey!"
“StepLadder is a truly innovative way to help first time buyers save for that all important deposit. StepLadder’s genius and well thought out savings circles will hopefully keep first time buyers motivated in their savings plan and make homeownership a reality – and much sooner. Well done StepLadder!”
How did we come up with this?
Communities in Asia, Africa and Latin America have been doing it for years. Each local community has its own name for this collaborative banking model.
There even used to be community in banking here in England. We used to know our savings went into financing our neighbours – that’s how credit unions and building societies formed. For a generation now, that seems to have been lost in the mainstream. We can bring it back together. Our collaborative solution has been used around the world for centuries. The academic name for our product is a ROSCA (a Rotating Savings and Credit Association). For hundreds of years local communities have come together in this way to help each other reach their savings goals faster.