How much do you want to put aside?
Did you know you can have more than one spot in a Circle, if affordability allows? Choose a monthly plan to suit your budget and goals.
Please note: Circles are subject to change based on availability. You will be able to see what’s available for you when you apply using the links below. If you can’t see the Circle you want, contact us.
Here are some examples of the Circles you might be offered:
£25
per month (£1 fee p/m)
Use funds for any financial goal
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 20 months
Total raised: £500
£50
per month (£3 fee p/m)
Use funds for any financial goal
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 10 months
Total raised: £500
£100
per month (£5 fee p/m)
Use funds for any financial goal
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 10 months
Total raised: £1,000
Raising money for a big event
We now offer larger First Steps Circles for people raising money for:
Starting a Family
Planning a Wedding
Gaining a Skill
Getting a Cosmetic Procedure
£100
per month (£5 fee p/m)
Use funds for the above goals
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 10 months
Total raised: £1,000
£250
per month (£10 fee p/m)
Use funds for the above goals
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 12 months
Total raised: £3,000
Raise your Property Deposit
Choose a larger monthly plan if your goal is to buy your own home. This money is released directly to your solicitor so you won’t be tempted to dig into it whilst you’re raising your deposit. If you don’t find somewhere you want to buy during your Circle, you will have your money back at the end of the Circle.
£250
per month (£10 fee p/m)
Raise your property deposit
Get support on your home buying journey
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 12 months
Total raised: £3,000
£500
per month (£18 fee p/m)
Raise your property deposit
Get support on your home buying journey
Increase your credit score*
Exclusive Member discounts
Reach your goal up to 90% faster
Contract length: 12 months
Total raised: £6,000
FAQs
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We believe in the power of collaborative finance, and we want to harness that power to change lives for the better. We started with the mission of revolutionising first-time home buying because it's too hard and it takes too long for today's generation to raise their property deposit and get on the property ladder. You can read more about our values and the StepLadder Team here
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No. We're here to support you to reach your financial goals whether that’s increasing your credit score, building an emergency fund or saving money to go on holiday or buy a new car. Our smaller Circles from £25 - £100 a month can be used for any financial goal, and our bigger Circles (£250+ a month) are especially for raising your property deposit. Check out the different monthly options available here.
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StepLadder is an appointed representative of More Lending Solutions Limited which is authorised and regulated by the Financial Conduct Authority (reference number: 702503).
You can find us on the FCA register here - FCA Register Our firm reference number is 783003.