The collaborative finance solution helping you get your property deposit on average 45% faster

*Your capital is at higher risk than on deposit

  • <h3>"I came across StepLadder on Facebook and thought it seemed like a great way to make my move onto the property ladder sooner."</h3>

    "I came across StepLadder on Facebook and thought it seemed like a great way to make my move onto the property ladder sooner."

    Amish Patel
    StepLadder Member
    Received his £12,000 deposit in January 2018

How does it work?

 We match you with other members based on your deposit target. Each month, everyone in the groups pays in the same set amount of money, and one member is awarded the total.  This happens each month until every member is awarded the total.

Let’s look at a simplified illustrative example using members of the StepLadder team:

Six of us each start saving in January. We all want a £600 deposit and can save £100 a month.

Saving on our own it would take six months for us each to get our full deposit amount.

By joining a StepLadder circle, paying in £100 a month, each month one of us would be selected, at random, to receive the full £600 deposit.

As you can see, by working together 5 out of 6 of us would have received our property deposit faster than saving alone…


  • rosca-fullview
  • rosca january
  • rosca-february
  • rosca-march
  • rosca-april
  • rosca-may-gallery
  • rosca-june

Joining a StepLadder circle works whether you need £5,000, £50,000 or more.

Why not give yourself a 90% chance of getting your deposit faster?

How did we come up with this idea?

We didn’t…
There used to be community in banking here. 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.


Huge in Asia, Africa and Latin America each local community has its own name for this collaborative banking model. Just take a look at how many communities use ROSCAs…

Our current circles

Take a look at the circles prospective members are currently joining and see which circle might be for you.


£750 per month x 16 months
Launching soon…

1000x12 apr18

£1000 per month x 12 months
Launching soon…

500x20 apr18

£500 per month x 20 months
Launching soon…

500x10 web

£500 per month x 10 months
Launched February 2018

1000x12 web

£1000 per month x 12 months
Launched December 2017

Why join StepLadder?

Based on a standard circle drawing, 87% of our members get their property deposit sooner!

Saving, borrowing and lending together can nearly halve the average time it takes to raise a property deposit

Meet the Team

Matthew Addison - StepLadder

Matthew Addison


Lucy Mullins - StepLadder

Lucy Mullins

Membership Team 

Tolga Yuce - StepLadder

Tolga Yuce

Membership Team

Muhammad Fatteh Haider - StepLadder

Muhammad Haider

Membership Team

Henry Whittaker - StepLadder

Henry Whittaker


Max Beard - StepLadder

Max Beard

Business Development

Michaela Regan - StepLadder

Michaela Regan


Eve Ainsbury - StepLadder

Eve Ainsbury


Peter Rushton

Peter Rushton


Nabiha Khan - StepLadder

Nabiha Khan

Membership Team 

mug 1

Pradipta Bora


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