How OnLadder Works

Get pre-approved

Just answer a few easy questions to make sure we’re a good match for what you’re looking for. For our part, we promise that it’ll be fast, and that it won’t impact your credit whatsoever.

Make an application

We want to be absolutely sure you know everything about how we work, so we’ll give you a call and get you up to speed on the details. If you’re satisfied, the next step will be to send us some documents, and then we’ll make our partnership official.

Take your deposit agreement to one of our lending partners

Once everything is signed, we’ll give you a letter (a mortgage in principle) to take to one of our lending partners, where you can apply for a mortgage.

Find a home

Once you’ve found a place you’re happy with, let us know, and we’ll go and check it out! If we think everything is in order and our lender partner agrees, we’ll send our share of the deposit to your solicitor. You’ll need to have a 5% deposit.

Moving day

Congratulations! Now that the hard part is over, all you have to do is focus on moving in. We’ll keep you up to date on what we think your home is worth, and we’ll always be available in case you need any advice.

Pay us back when you're ready

How and when you choose to repay the OnLadder deposit is up to you – you can plan for remortgaging when your fixed term is finished, set up a voluntary payment plan, or take a share of the proceeds when you decide it’s time to move home. We want to be flexible, so you’ll have plenty of options to pay us back at the end of your primary mortgage’s term.
See if OnLadder is right for you

How does the risk adjustment work?

Typically, other finance products charge interest or rental payments. At OnLadder, we wanted to create a product that gives you more flexibility when it comes to repayment.

When we provide an OnLadder loan, the loan is tied to the value of your home, so we share in any upsides or downsides. To protect ourselves from risk, we adjust the value of your property when we lend.

What does this mean for you?

When you take out an OnLadder loan, we’ll lend you your deposit as a percentage of your property. When you decide the time is right to pay us back, we’ll ask for you to repay a slightly higher percentage of the property’s value at the time of repayment.

If you have:

  • …a 10% OnLadder loan, you’ll repay us 13.3%.
  • …a 15% OnLadder loan, you’ll repay us 20%.
  • …a 20% OnLadder loan, you’ll repay us 26.7%.

We want to make sure that you start with home equity and can build equity quickly, so we don’t do this on day one: we take this extra bit over a five-year period. On the first day, you’ll owe us exactly what we lent you, and this will increase a little each year, for five years.

This isn’t a rental or interest payment, this only changes the amount you repay when you decide to pay us back. If you repay us sooner, you’ll pay us a smaller share of equity.


*Based on a 15% OnLadder Loan with a 25-year 80% LTV fixed rate mortgage and zero property appreciation.
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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