About us

Where did StepLadder come from?

New buyers are struggling to get on the housing ladder, and house prices have been growing further and further out of reach. Moreover, saving enough for a deposit can seem almost impossible for many people.

We created StepLadder to overcome these challenges, revolutionising first-time property buying by empowering individuals to work together.

The StepLadder concept is based on widely used financial arrangements which operate in many countries, from Asia to Latin America.

Executive Team

Matthew Addison


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As a father of two, Matthew saw the challenges faced by younger generations looking to buy their first home. Looking to his children’s futures, Matthew wanted to help first-time home buyers and "restore balance to the Force." Having seen the power of collaborative finance to help people around the world, and using his 15 years of experience in finance and investment, he founded StepLadder. Matthew’s role covers all aspects of the business but he particularly loves spreading the word about StepLadder.

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Lucy Mullins

Business Development

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Lucy is an experienced business development and relationship manager who loves to help people achieve their goals and overcome challenges – such as getting on the property ladder. She is a trained executive coach and has worked in a variety of senior management and leadership roles in the financial services industry and within higher education.

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Tolga Yuce

Business Development

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Tolga is an experienced solutions. Manager. With a background in sales, marketing, music and events he has a flare for social entrepreneurship and building relationships. Having seen the clear gap in the market which StepLadder fills, he is keen to help people reach their full potential and get people excited about what they can achieve and obtain in the property market.

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Muhammad Haider

Business Development

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Muhammad has a background in engineering and social entrepreneurship and brings his passion for managing relationships to help people raise their property deposits faster with StepLadder. He runs his own EdTech company and having worked in a variety of business development and sales roles with early stage startups, he now wants to help revolutionise property buying with StepLadder.

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Henry Whittaker

Engineering & Systems

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Henry is a finance professional turned entrepreneur who has run and been involved with several start-ups. With a background in engineering, his general focus is on the intersection of product, tech and data and he is responsible for the StepLadder technology platform.

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Max Beard

Business Development

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Max previously worked as a financial services professional, focussing on investments and advisory work in the TMT space. He has a keen interest in emerging technologies and has worked alongside several early stage start-ups. At StepLadder he is responsible for business development and partnerships.

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Michaela Regan

Digital Marketing

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Michaela is a data driven digital marketer whose passion lies with start ups. Michaela’s background is in all aspects of marketing and loves using her skills to help new companies reach their potential and their customers. Her work with StepLadder is directly helping first time buyers on the property ladder faster!

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Eve Ainsbury


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Advisory Committee

Jared Smith

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As President and COO, Jared Smith oversees engineering, product development, and business operations at Qualtrics. Before Qualtrics, Jared spent six years at Google scaling organizations and leading all of the company's product efforts for Greater China and Southeast Asia (30+ countries and some 26% of the world's Internet users). Prior to Google, Jared was the Vice President of Product & Marketing for Juice Software in New York City, the lead product manager for the directory service at Novell, and a consumer product manager at WordPerfect overseeing 22 products in 17 countries. Jared holds a bachelors degree from the London School of Economics.

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Murray Bailey

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Murray has been focused on retail financial services for almost 30 years, and although specializing in credit risk management, has involvement with all areas of risk management and has acted as a Chief Risk Officer on a number of occasions, most significantly at GE Capital Bank.

Murray has worked with a large number of UK institutions both large and small and has in particular worked with many of the specialist and peer to peer lenders in helping them to build and develop credit scorecards and implementing appropriate underwriting policies. Recent roles have included Risk Director at ZOPA (2007 – 2011), Head of Credit Risk at Amigo Loans (2012 – 2013), and Risk Specialist and advisor to Pollen Street Capital (20013 - 2016).

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Elizabeth Lillie

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Elizabeth is BT's Managing Director for Customer Experience. Her career spans both industry and consulting. As a partner at Accenture, from 2004, she established world-class expertise in customer experience and marketing for consumer facing firms in highly competitive, fast growing, and predominantly digital markets.

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Richard Wyatt

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Richard brings a wealth of finance and business experience to the team. He is Chairman of Loudwater Partners Ltd and Scott Harris Ltd, and a non-executive director of Jack Wills. He is a former Vice Chair at Rothschild & Co and former Chairman of The Engine Group.

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Peter Rushton

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Peter experienced first-hand how difficult and confusing buying your first home can be. With property prices growing further out of reach, and fewer options available for those saving for a home, he believes that a new approach is required. He co-founded StepLadder and brings with him 14 years of financial services experience.

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