StepLadder is a fast growing and award-winning fintech dedicated to helping people buy their first home.
Business overview
Location | London, United Kingdom |
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Social media | |
Website | joinstepladder.com/ |
Sectors | Finance & Payments Digital Mixed B2B/B2C |
Company number | 10052693 |
Incorporation date | 8 Mar 2016 |
Business highlights
- 90% of Members get their deposit faster than saving alone
- Huge market - 350,000+ UK first-time buyers annually
- 40%+ quarterly growth | ~£900,000 in member funds | 75+ Circles
- Multi-award winning | 5-star reviews | Backed by BBVA Anthemis
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Idea
Introduction
StepLadder is a game changing and award winning fintech company committed to solving a huge societal and generational problem - buying your first home.
We are tackling the housing crisis head-on with our innovative and powerful “StepLadder Circles” to help first-time buyers raise their property deposits and supporting them through a process which is usually lonely, stressful and opaque.
How it works...
StepLadder Circles are based on a Rotating Savings and Credit Association model (ROSCA), which Co-Founder Matt studied in Brazil for his graduate thesis in 2006. Informally used by many communities around the world, the ROSCA harnesses the power of community to help people reach their savings goals faster and keeps them disciplined to stay on track.


The opportunity to change lives goes way beyond home buying in the UK as the Circles can be used for other expenses e.g. cars, electronics, healthcare. StepLadder’s digital ROSCA can meaningfully disrupt personal finance.
Monetisation strategy
We generate revenue in the following ways:
• Membership Fees: we charge a recurring fee to cover the cost of service
• Mortgage Origination: our mortgage advisor partners pay us a fee for each Member who uses them
• Referral Fees: we introduce our Members to solicitors, surveyors and other service providers who pay us a referral fee
• Licensing Fees: as we develop global partnerships in this next phase of our growth, we aim to generate revenue from partners who want to white label our platform
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