The OnLadder Blog

In a surprising turn of events, PM Rishi Sunak recently rolled back the proposed rules for landlords to upgrade the EPC ratings of their properties.

Buying a home for the first time can be both exciting and overwhelming, and finding the right property to suit your needs and budget is crucial. With so many factors to consider, from location to size, it can be challenging to know where to start. To help get the process moving, we provide some helpful tips on how first-time buyers can find the perfect property for them.

Buying a home is one of the most significant financial decisions that anyone can make. A mortgage is a long-term financial commitment, and it's essential to ensure that borrowers can afford their repayments over the term of the loan.

Each type of property has its advantages and disadvantages, and the decision to buy one over the other will depend on individual circumstances and preferences.

A residential property survey is a report on the condition of a home that will show buyers whether there are structural issues and potentially provide advice on repairs that need to be made.

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.

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

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.

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

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.

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.

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

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

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

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.

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.”

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.

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

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.

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