Help first-time buyers build their deposit faster — and turn disciplined savers into UTB mortgages.
The deposit is the wall most first-time buyers can't climb. Shared Effort gives them a goal-based savings circle — a social accountability engine that keeps them paying in, on time, month after month.
Every contribution is the member's own money, pooled into FSCS-protected UTB accounts. At deposit-ready, members convert straight into UTB first-time-buyer mortgage applicants.
Why this beats the incumbent
The incumbent's rotating circle pays early members with money borrowed from later ones. That single design choice forces P2P classification — and breaks everything downstream. Removing rotation fixes it.
Three benefits to UTB
Deposits
A channel of engaged, habitual savers parking funds in UTB accounts.
Pre-qualified origination
First-time buyers who've just proven months of on-time, disciplined saving.
Proprietary repayment data
Longitudinal on-time-payment records that strengthen underwriting for the thin-file, underserved segment.
Open questions to work through together
- Regulatory structure (Appointed Representative vs own FCA permissions)
- Fund safeguarding & flow of funds
- Default management
- Deposit-eligibility confirmation
See it in action
Walk the member journey, then see what lands on UTB's side of the partnership.