Boost your home deposit, effortlessly

With automatic cash rewards from retailers when you (and your family) spend with your existing cards as usual

Get the app first + win £1,000 towards your deposit

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Your lifestyle, rewarded

Saving for a home deposit today is hard - often leaving you feeling like you're compromising your lifestyle

With Homewards you boost your deposit by saving as you spend - with retailers rewarding you for your lifestyle

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Totally free!

No joining or annual fees, ever

Truly effortless

Just link a card, spend as usual and boost your deposit

Keep other rewards

Our rewards won’t replace your existing rewards

Online and in-store

Spend online and in-store, with nationwide and local retailers

1

Sign up, then invite your family to help boost your deposit

The more people that contribute their cash rewards towards your deposit, the faster it'll grow

They can sign up above or you can invite them (to win prizes) once you've signed up yourself
2

Just connect your existing card(s) to get started

Securely link a debit, credit (and even corporate) card in under 10 seconds and that's it - you're ready to go

With the highest levels of data security, your card details are completely safe

PCI DSS Level 1
3

Spend with our everyday retailers to get cash rewards

Pay online and in-store to automatically receive cash rewards that we put into a Lifetime ISA (LISA) for you

Deposit contributions from representative brands like these and many more

Get the app first + win £1,000 towards your deposit

Get started now

FAQs

Why are retailers giving me cash for spending with them?
Like with any loyalty or rewards programme, retailers are willing to use some of their marketing budget to incentivise customers to buy from them rather than their competitors.

Rewards can come in the form of discounts, points, or even cash - which is what we give our community members.
Sounds great, but how much money can I realistically make?
There’s no silver bullet for building your deposit - you’ll need to save. Just think of Homewards as a hassle-free tool to accelerate the process - a no-brainer that gets you going without any effort required.

How much value you get depends on:

1. How many people are contributing their rewards to your deposit fund.

2. How much you all spend with our partner retailers.

3. Us bringing on the best, most relevant retailers to your day-to-day spending habits who provide the most generous cash rewards (e.g. 5% - rather than 2% - of your purchase amount). This will constantly improve as we grow our community.
Why should my family contribute their rewards to my deposit?
The best thing you can do to get the most value from Homewards is to have multiple people contributing to your deposit. Since our rewards don’t replace other card-linked rewards, like Avios, your family have nothing to lose from helping you.

Contributors can automatically donate their rewards directly towards someone else's deposit (into their Lifetime ISA). So, now everyone can get help from the Bank of Mum and Dad without needing cash-rich parents or grandparents.
Why do you need my card details and can you see all of my transactions?
When you link a card through our secure app, we don’t get the card number itself - just a "token ID" that lets us know when you’ve paid with our partner retailers - so we can give you your cash rewards.

We can only see the transactions you make with our partner retailers - by total spend, not on individual products - and nothing else.
Where do you keep the money and what exactly can I use it for?
Retailers are technically paying us a commission when our community members make a purchase with them. We then give our commission back to our members in cash contributions towards a Lifetime ISA (LISA). You can use a Cash LISA or Stocks & Shares LISA, it's up to you. We'll pay into your existing LISA, if you have one, or otherwise we can help you set one up.

LISAs provide account holder with tax-free benefits and a government bonus on top of the account balance. Certain conditions apply. You may only use the money to contribute towards the deposit for your first home (or to go towards your retirement).
Read more on our Medium blog