Invest in an OnStep home

Together with OnStep, you will help 'generation rent' get onto the housing ladder.

Choose from one of the two opportunities below and receive attractive and tax-free (ISA-eligible) returns.

Shared-equity loans

Fixed-rate mortgages

Similar to purchasing and letting a property on your own, but without any of the hassle and all the ISA tax benefits.

Similar to the loans made by banks on Buy-to-Let properties; an opportunity you will never get as an individual.

Receive a share of the equity

When the house is sold or refinanced, you will receive a fixed proportion of the surplus proceeds after paying off the fixed mortgage.

Get your full principal back

You will always receive your full principal back as long as the house is sold (or refinanced) for more than 70% of its purchase price.

Earn attractive monthly income

You will earn regular fixed monthly interest, set at 75% of the gross rental yield and increasing annually at the inflation rate.

Earn fixed interest of 3.5% pa

Receive regular monthly interest, fixed for five years at the rate of 3.5% pa. All secured by a first charge mortgage on a residential property.

You have no other liability or costs

We arrange the insurance and the tenant pays for all maintenance and repair costs (please note that in the event of default, there may be additional costs).

Read about cost risks.

Easy access to your investment

Sell your loans at face value, with no minimum term. We operate a liquid secondary market, so under normal market conditions you can get your money back in a day.

Read about liquidity risks.

Invest in housing equity

Invest in mortgages

Shared-equity loans

Fixed-rate mortgages

Similar to purchasing and letting a property on your own, but without any of the hassle and all the ISA tax benefits.

Similar to the loans made by banks on Buy-to-Let properties; an opportunity you will never get as an individual.

Receive a share of the equity

When the house is sold or refinanced, you will receive a fixed proportion of the surplus proceeds after paying off the fixed mortgage.

Get your full principal back

You will always receive your full principal back as long as the house is sold (or refinanced) for more than 70% of its purchase price.

Earn attractive monthly income

You will earn regular fixed monthly interest, set at 75% of the gross rental yield and increasing annually at the inflation rate.

Earn fixed interest of 3.5% pa

Receive regular monthly interest, fixed for five years at the rate of 3.5% pa. All secured by a first charge mortgage on a residential property.

You have no other liability or costs

We arrange the insurance and the tenant pays for all maintenance and repair costs (please note that in the event of default, there may be additional costs).

Read about cost risks.

Easy access to your investment

Sell your loans at face value, with no minimum term. We operate a liquid secondary market, so under normal market conditions you can get your money back in a day.

Read about liquidity risks.

Invest in housing equity

Invest in mortgages

Shared-equity loans

Fixed-rate mortgages

Similar to purchasing and letting a property on your own, but without any of the hassle and all the ISA tax benefits.

Similar to the loans made by banks on Buy-to-Let properties; an opportunity you will never get as an individual.

Receive a share of the equity

When the house is sold or refinanced, you will receive a fixed proportion of the surplus proceeds after paying off the fixed mortgage.

Get your full principal back

You will always receive your full principal back as long as the house is sold (or refinanced) for more than 70% of its purchase price.

Earn attractive monthly income

You will earn regular fixed monthly interest, set at 75% of the gross rental yield and increasing annually at the inflation rate.

Earn fixed interest of 3.5% pa

Receive regular monthly interest, fixed for five years at the rate of 3.5% pa. All secured by a first charge mortgage on a residential property.

You have no other liability or costs

We arrange the insurance and the tenant pays for all maintenance and repair costs (please note that in the event of default, there may be additional costs).

Read about cost risks.

Easy access to your investment

Sell your loans at face value, with no minimum term. We operate a liquid secondary market, so under normal market conditions you can get your money back in a day.

Read about liquidity risks.

Invest in housing equity

Invest in mortgages

What is a shared equity loan?

OnStep homes are carefully chosen