Don't wait forever to get on the property ladder

A deposit shouldn’t be the barrier between you and home ownership. We’re here to help.

Do I qualify?

We're launching OnLadder soon

If you’re interested in learning more, please tell us and we’ll let you know as soon as we’re up and running.

Here's how we work:

You choose your home,
we'll fund your deposit

Whether it’s a new build, an old build, or something else entirely, we’ll partner with you to find a home you’ll love.

Focus on paying your mortgage, not us.

OnLadder has no monthly payments, ever. Focus on what’s important until you’re ready to pay us back.

Pay us back when you remortgage,
or whenever you're ready.

Whether you sell, remortgage, or simply want to pay us back early, tell us what’s best for you and we’ll design a repayment plan that best suits you.

Need more detail?

Secure your financial future

Save time

The average buyer in the UK can spend as long as 15 years saving for a deposit.

We’re changing that: with OnLadder, you only need a 5% deposit to purchase a home, taking years off the process.

Keep more of your money

By jumping on the property ladder faster, your money will go towards buying your home, rather than into the pockets of a landlord.

With OnLadder, you’ll borrow less from your mortgage lender, meaning lower mortgage interest payments.

Keep your options open

At OnLadder, we don’t restrict your choices to new builds or undervalued properties – we want you to be able to choose a home you love.

When it comes to repayment, we’re just as flexible: you can choose a repayment plan that works best for you.

See if OnLadder is right for you

What's new from OnLadder:

April 26, 2022

Building OnLadder: How Lenders Impacted Us

The OnLadder loan took just under two years to develop. We interviewed dozens of first-time homebuyers to understand what a great deposit loan product would look like to them, but we’ve also had over a hundred meetings with other stakeholders in the homebuying process. You can’t deliver a stellar product to first-time buyers without understanding the ecosystem you want to operate in.

March 22, 2022

UK Fintech Lender to Lift First Time Buyers onto the Property Ladder

OnLadder, a UK fintech lender, has raised £275k to help first-time buyers take their first step onto the property ladder.

March 16, 2022

Building OnLadder: Ensuring Customer Fairness

In August 2020, the early days of OnLadder, we were still developing our proposition. We sought out experts in their field to obtain a better understanding of the requirements of the stakeholders in our business model. One of those stakeholders are the investors that would purchase the OnLadder deposit mortgage.

Visit the OnLadder Blog