How does it work?
FIND YOUR HOME and move in with just 1% deposit
You start paying for your home immediately instead of saving for years. Arrange your viewing, lock in the purchase price from the get go and get your keys within days
BUILD YOUR EQUITY share towards your deposit and to get your credit score in shape
You are in control. Full flexibility on your payments for building your equity and credit score
PURCHASE your home sooner with access to financing
You do more than just rent. You now have a choice. Purchase outright or sell your equity at latest market valuation and cash-in on the property appreciation
See how much you can afford
Annual household income:
With OntoTheLadder you can buy a home worth around:
with only deposit.
The bank may lend you with deposit.
Why Rent-to-Own?
The team here at OntoTheLadder with our Rent-to-Own system is fundamentally reshaping the way we think about buying and renting properties.
See how we compare against conventional rentals and mortgages:
| Renting | Buying with Bank Mortgage | OntoTheLadder Rent-to-Own | |
|---|---|---|---|
| Owning your Home? | No | Yes | Yes |
| Property Price | Unknown as you don’t own the property. May be higher or lower in the future | Locked-in when agreed between Buyer and Seller | Locked-in when moving-in |
| Deposit Requirements | 6 – 8 weeks of Agreed Rental Amount | 10 – 15% of Property Price | 1% of Property Price |
| Monthly Payments | Full Market Amount | Mortgage Payments with % Interest for the Lender | Market Amount Reduced by your % of Ownership |
| Payment Flexibility | Monthly Rental | Fixed Monthly Mortgage Payments | Monthly Rental with full flexibility to buy more of your home when you can afford to.
Multiple years of saving up for a deposit are now a thing of the past. |
| Time to move-in | Days or Weeks dependent on how efficient your Landlord / Agent is | 2 – 3 Months to Close Transaction with a lot of bureaucratic hassles | Ready whenever you are |
Why would you even bother with a conventional rental or mortgage anymore? We know, we wouldn’t either…
Find out how we are making all this possible in our FAQ or get searching for your new home.
Featured Listings
We are on a Mission
Two thirds of 25 to 34-year-olds can’t afford to buy a property in the U.K. capital, even with a 10 percent deposit and a maximum mortgage of 4 1/2 times their salaries. Just two decades back, the proportion unable to get onto the housing ladder was just one in 10
Bloomberg
One in three of Britain’s Millennial generation will never own their own home, with many forced to live and raise families in insecure privately rented accommodation throughout their lives
The Guardian
80% of Millennials have the desire to buy their own homes however economic factors are delaying the process, sometimes by as long as two decades
Forbes
FAQs
What’s OntoTheLadder?
OntoTheLadder is a much needed alternative to conventional mortgages which allows Buyers to get onto the Property Ladder with only 1% Deposit, no Debt-overhang and full flexibility to buy and sell their home equity.
Why does OntoTheLadder exist?
In 2018 we set out on a mission to overhaul the archaic property sector and combat housing affordability issues within London and the UK by:
- Reducing 2-3 month long property sale/purchase time to mere hours
- Eliminating the need for 10-15% deposit which take many years to save up whilst paying rent to someone else
- Giving much needed flexibility to complete an entire real estate transaction online, from search to closing, and do as you please with your home ownership shares
We are making property purchasing as simple as letting whilst solving today’s massive and growing social problem of 2/3rds of millennials never being able to afford a property in the UK capital and beyond.
How is OntoTheLadder doing all this?
Our core offering is based on:
- Rent-to-Own system
Our proprietary Rent-to-Own system enables you to buy your own home with only 1% deposit and pay rent on what you don’t own yet. You have full flexibility to buy more shares in your home – monthly, quarterly and/or annually – it’s up to you. The more you own the less rent you pay!Short on cash one month and can’t make a payment? No worries, we can take a portion of your built-up equity instead until you’re back on your feet. - Pre-selected properties
Our for-sale properties undergo a full due diligence survey prior to onboarding them into our ecosystem. We do all the bureaucratic heavy lifting saving you time and our offered properties are ready to buy and move-in immediately. 2-3 month transaction times are a thing of the past.And because we source properties in bulk, we are able to negotiate substantial discounts from developers and agents saving you even more money than if you were to go at it alone. - Blockchain technology
Backed by one of the world’s largest and secure computer networks in the world, implementing blockchain technology in our transaction engine allows for transaction security, traceability, transparency and auditability, eliminating any possibility of fraud and keeping your records and investment safe at all times.
Read more on our FAQs page.
In Partnership With
Driving digital transformation of the UK property industry
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
NatWest Entrepreneur Accelerator Program
Powered by the Blockchain
Transparency
Our OntoTheLadder platform allows for full transaction auditability.
All Records, Payments and Ownership transactions can easily be Traced if needed
Security
We utilise the same technology that underpins Bitcoin, Global Commodity Supply Chains and JP Morgan’s own Cryptocurrency.
Latest in Cryptography technology ensures your Data is Secure
Immutability
Decentralised Consensus technology underpins our Platform and Validates transactions and Records.
All Committed Data is Incorruptible providing you with Peace of Mind
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