Creating financial inclusion for all

We’re a proud tech-for-good company that strives to expand financial access to ‘credit invisible’ profiles across markets and countries.

Social impact by numbers

Come back and check this page for our updated social impact figures every month!

 Since we started tracking in October 2020...


The total money saved to consumers in unfair loan terms and high upfront costs.


The total amount of ‘subprime’ and ‘thin filed’ consumers we’ve helped approve on fairer terms


The amount of money we save per consumer in unfair interest rates and upfront fees.

The biggest challenge facing financial qualification

Making financial products much more accessible to ‘credit invisible’ profiles.

The current credit system

There are currently around 5 million UK consumers who are currently rejected by Credit Referencing Agencies (CRAs) due to the slightly more complex nature of their financial history.

Students, international consumers coming to work in the UK, the self-employed, the thin-filed, and the high-net-worth individuals can all struggle to gain access to financial products as a result of reliance upon legacy credit checking systems. CRAs don’t have the technology to be able to accurately assess the risk of these consumers. Many of these profiles have to either go without or accept higher risk, higher APR or less secure credit terms.

How Homeppl is driving change

We aim to give every person equal opportunity to access products based on their true abilities. We’re a tech-for-good company that believes in fair and equal access to finance. We firmly believe that only by assessing disadvantaged financial backgrounds based on their true creditworthiness and transactional ability, regardless of a missing or poor UK credit file, we can create a frictionless international economy.

We have an economic responsibility

As harbingers of referencing technology that has already made visible tens of thousands of consumers who are discounted by current (yet still archaic) referencing processes, we see it as our economic and ethical responsibility to ensure our growth is centred around making it easier for consumers to put a roof over their heads, pay their bills and enrich their lives how they see fit.

Spearheading change in rentals

Homeppl has become the foremost fraud prevention agency in the UK rental market.

However, we’re not only spearheading the fight against the growing threat of application fraud in the rental industry but also driving a spear through the systemically sloppy practices involved with tenant referencing and redefining its value by offering letting agents and landlords a true digital dossier on their tenants with unfailing accuracy. All whilst offering disadvantaged renters a seat at the table.

Backed by the best VCs

Techstars is the global platform for investment and innovation.
Fair by Design
Fair By Design is dedicated to ending the poverty premium. Fair By Design collaborate with regulators, government, and businesses to design out the poverty premium.
Ascension Ventures
Ascension is an early-stage VC built by exited entrepreneurs to back the next generation of tech and impact founders

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