The OnLadder Blog

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.

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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.

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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.

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March 8, 2022
To Stress Test, or not to Stress Test?

The Bank of England is changing the affordability assessment, how will this affect first time buyers?

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February 28, 2022
How Does the Cost of Living Crisis Affect Mortgage Affordability?

The cost of living is rising dramatically in the UK. Rising inflation and proposed tax increases are due to hit the average consumer’s budget.

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February 21, 2022
What's a Good Credit Score?

A credit score is a three-digit number based off of information gathered from your financial history that shows lenders how reliable you are at borrowing and repaying money.

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February 16, 2022
What is the First Homes Scheme?

The First Homes scheme is a government affordable housing scheme in England. Who is eligible?

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February 9, 2022
Does an Overdraft Effect my Credit Score?

An overdraft is a type of credit that gives you the ability to withdraw more money than you have in your current account.

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February 1, 2022
Leaseholds and Freeholds: What's the Difference?

A freehold property is one that you can buy outright. Leaseholds are more complicated than freeholds.

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November 8, 2021
What is a Maisonette?

Ever look at flat listings and wonder what a maisonette is? These two-storey flats may be a good next step on the property ladder for first time buyers.

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November 4, 2021
What Does 'Guide Price' Mean?

When you’re looking at buying a home, occasionally you’ll see the terms “Guide Price,” “Asking Price,” “Offers in the Region of” or “Offers in Excess of.”

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March 28, 2021
How Do I Calculate Mortgage Repayments?

Have you ever wondered how banks calculate mortgage repayments? If you're curious, we've put together an article that goes into detail about how to calculate mortgage payments.

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March 10, 2021
Interview with a Home Buyer: Louise

As part of an ongoing series, we will be interviewing first time home buyers to get their side of the home buying process.

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February 23, 2021
12 Terms You Need to Know When Buying a First Home

Going through the home buying journey is exciting, but it also can be confusing and stressful. It’s even more tricky when it’s your first time.

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February 2, 2021
Say 'Hi' to OnLadder!

We're thrilled to officially announce our new name: OnLadder!

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Copyright © 2021 OnLadder Ltd. All rights reserved.

OnLadder is the trading name of OnLadder Loans Ltd, a company registered in England and Wales under registration number 13642073. Our registered office is Kemp House, 160 City Road, London EC1V 2NX. OnLadder Loans Ltd. is a subsidiary of OnLadder Ltd., registered in England and Wales under registration number 12677436. OnLadder Ltd's registered office address is 71-75 Shelton Street, London, England, WC2H 9JQ.

OnLadder is currently seeking authorisation from the Financial Conduct Authority.

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