Don’t Break the Bank
of Mum and Dad

We’ll top up your mortgage deposit
with our Home Equity Partnership
Tell me how
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Don’t spend years saving for a deposit.
Have 5%? We’ll provide the rest

ONTO THE LADDER IS YOUR PARTNER, NOT A LENDER.

This means that we are co-investing together into your home, as partners.

You don’t need any draconian lifestyle changes to save for your mortgage – we partner with you to bridge the gap so that you can get onto the property ladder and have a place of your own.

We co-invest with you into your home today, getting you onto the property ladder with our Home Equity Partnership

HERE’S HOW IT WORKS

1. We prepare an offer

We evaluate your co-investment needs and present you with an offer, usually between 5 and 15% of your new home’s purchase price.

Our Home Equity Partnership comes with no debt or additional monthly payments for you.

2. We apply for a mortgage

Once the Home Equity Partnership paperwork is signed and recorded we help you apply for a mortgage, either through our UK lender partnerships or on the open market.

We want you to have the best mortgage rates possible. The choice is yours.

3. You sell when you’re ready

Finally, when you are ready to sell, whether it’s next year or up to 7 years down the road when the Home Equity Partnership term is up, we’ll be paid out our share – an agreed-upon percentage of the sale price or current appraised value.

Hopefully you and OntoTheLadder both make money because your house has increased in value.

And if it doesn’t? That’s our risk, not yours. And, as such, we don’t invest in every property.

See if OntoTheLadder is right for you

See how our Home Equity Partnership can help you

Property Price:

% deposit required: =

Your deposit amount:
(min 5% of Property Price)

Home Equity Partnership deposit top-up amount:

MORTGAGE
HEP
DEPOSIT

We will search with you for the best possible mortgage from established brokers & lenders

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Enabling you to get onto the property ladder, faster

Your home, faster.

Our Home Equity Partnership model allows you to get qualified for a mortgage and purchase any home faster. No need to save multiple years for a deposit.

Full transparency.

No hidden terms, meanings or extra charges – ever. We’re always upfront about any fees so you can have complete control of your home.

Make it Yours.

Paint the walls, get a BBQ and get your housewarming party going.

It’s your home.

Is OntoTheLadder right for you?

What’s a Home Equity Partnership? It’s understandable that you’d have a lot of questions and we want you to feel 100% confident you’re making a smart, informed decision.

We’re getting ready to launch, take our 3-min quiz to see if we’re a good fit.

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FAQs

So what exactly does OntoTheLadder do?

OntoTheLadder is a way for first-time buyers to purchase their home without the need to wait years to save for a mortgage deposit.

Through our Home Equity Partnership we co-invest alongside buyers to top-up their deposits so that they are able to secure a mortgage from established lenders at better rates.

What’s the difference between a Home Equity Partnership and a Loan?

Unlike a lender, we receive no monthly payments or guaranteed return on the money we’ve invested. This allows you to focus on living, without additional debt.

Is OntoTheLadder just another Help to Buy or a Shared Ownership scheme?

No. There are similarities between OntoTheLadder’s Home Equity Partnership and both the Help to Buy & Shared Ownership schemes however the fundamental differences are:

  1. Not just Newbuilds – we don’t limit your purchase to just leasehold newbuilds. You are free to purchase any property and freeholds are actually preferable giving you complete control.
  2. No additional monthly payments – we are not a lender and our Home Equity Partnership is a co-investment, not a loan.
  3. No income cap limits – unlike Help to Buy and Shared Ownership, we do not believe that because someone makes £1 above £60k /year should automatically disqualify them from assistance to purchase their home. Everyone’s situation is different.
  4. No requirement to be a first-time buyer – whilst our co-investment offer is directed at first-time buyers, our Investment Managers are also open to considering your application if you already have property – whether it was an inheritance or perhaps a purchase abroad. Again, everyone’s situation is different and we are here to help.

How long do I have to settle OntoTheLadder’s Home Equity Partnership co-investment?

The term of OntoTheLadder’s Home Equity Partnership co-investment is typically 5-7 years. You can either sell your house during the term or you can buy out our co-investment with savings, a remortgage or by taking out a home equity (or other) loan. We call this Settling the HEP co-investment.

Who can use OntoTheLadder?

Because there are a lot of factors that go into determining if OntoTheLadder can make an investment in a property, there isn’t a black-and-white list of criteria. Each property is evaluated independently. That’s why we suggest homeowners start with the quiz.

What is the process for getting a HEP co-investment from OntoTheLadder?

Getting a Home Equity Partnership co-investment is done in a few simple steps:

  1. Complete our Quiz 
    We will review your responses and get back to you.
  2. Speak with your Investment Manager
    We will allocate you a dedicated Investment Manager if we think a HEP co-investment might be possible. Your Investment Manager will contact you and be here for you every step of the way to assist you and answer any questions you may have.
  3. Decide on a property you want to buy
    Either or your own or with our assistance – as always the choice is yours. Your Investment Manager will evaluate the suitability of your chosen property.
  4. Submit your HEP co-investment Application
    Your Investment Manager will send you your personalised application. Once you’ve uploaded or scanned your documents to your computer, grab a cup of coffee and get started – this Application shouldn’t take more than 20 minutes.
  5. Agreement
    Once the paperwork is complete, your Investment Manager will assist you with your mortgage application and any legal paperwork to close the transaction with the property seller and your preferred lender. Once that’s complete, you can get started on planning your housewarming!

Our Partners

Driving digital transformation of the UK property industry and representing all those that form part of the PropTech ecosystem – PropTech companies, property companies, PropTech investors and Professional Service providers

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NatWest is a member of the Royal Bank of Scotland Group, one of the world’s largest financial services groups.
OntoTheLadder is a proud member of NatWest’s Fintech Entrepreneur Accelerator Program

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The Founder Institute is the world’s largest pre-seed startup accelerator on a mission to empower communities of talented and motivated people to build impactful technology companies worldwide

Have any questions? Email us at Hello@OntoTheLadder.co.uk

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