Are you ready to finally own your own home?

Work together and raise your property deposit on average 45% faster

Your capital is at higher risk than on deposit

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 take an example of 6 people who all need to save a £6,000 deposit , and all start saving £1,000 a month in January .

  • Saving alone they would all take 6 months and have their full deposits in June.
  • Or they could join a StepLadder circle, pay in the £1,000 a month and each month one of them would be selected, at random, to receive the full £6,000 deposit.
  • By lending and borrowing from each other in this way 5/6 get there faster.
  • We offer a range of monthly amounts from £500 per month ranging 10 months to 50 months depending on your budget and the deposit you need to raise
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*Your capital is at higher risk than on deposit
  • Home


    "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
  • LS


    “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.”

    Louis Slabbert
    StepLadder member
  • SHN


    “StepLadder really helps with the discipline of saving money for your first home, and I really like the community feel!”

    Shaan Ahmed
    CEO of Uown
    StepLadder Member - Received his £12,000 deposit in March 2018
  • Dan&Lu


    "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!"

    Lucy and Danylo
    Stepladder Members
  • ftb-logo-circ

    “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!”

    First Time Buyer Magazine

Why join StepLadder?

87% of our members get their property deposit sooner. The time value of our average draw is measured in tens of thousands of pounds.

Think this could be for you?

Want to find out what your mortgage payment could be? The MAS Mortgage Calculator can help you find out.

Click here to use the calculator

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!

Meet the Team

Matthew Addison - StepLadder

Matthew Addison


Californian Anglophile, Collaborative Finance Evangelist, Finance Hacker

Eve Ainsbury - StepLadder

Eve Ainsbury


Digital Acrobat, Information Alchemist, Professional Amateur Ballerina

Muhammad Fatteh Haider - StepLadder

Muhammad Haider

Membership Team

Problem Solver, Humanitarian, Home Ownership Advocate

Nabiha Khan - StepLadder

Nabiha Khan

Membership Team 

Investor in relations, Sports Enthusiast, First Time Buyer Supporter

Lucy Mullins - StepLadder

Lucy Mullins

Membership Team

First Time Buyer Cheerleader, Partnership Connector, Strategic Blonde

Michaela Regan - StepLadder

Michaela Regan


Analytical Marketer, First Time Buyer, Out of Box Thinker

Peter Rushton

Peter Rushton


International, financial, eclectic

Henry Whittaker - StepLadder

Henry Whittaker


Data Geek, Technophile, Newbie Homeowner

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