How Laddered works

Set up your ownership

Start by defining who's involved and how ownership is shared. Everyone joins, enters their details, and agrees on the basics before anything goes further.

• Invite 2–6 co-owners with one link
• Define ownership percentages
• Align on who's contributing what
• Capture roles and responsibilities

Agree on the rules

This is the foundation everything else runs on. Use the guided builder to set how expenses are split, how decisions are made, and what happens if someone needs out. Once it's signed, every future conversation has a reference point.

• Legal-style co-ownership agreement
• Decision-making rules and thresholds
• Exit conditions and right of first refusal
• Digital signing by every co-owner

Important: Our agreement templates are a starting point. We strongly recommend having all agreements reviewed by a qualified legal professional before finalising.

Run it without the awkwardness

When a bill comes in, log it. Laddered splits it by the rules you already agreed and notifies your co-owners. No mental arithmetic. No chasing. No “hey, you owe me” texts. You still do the work. The system just makes sure it's never personal.

• Log expenses and contributions as they happen
• Automatic splits by ownership or equal share
• Track mortgage payments and reimbursements
• Shared document hub with full history

Handle changes and exits

Life changes. Someone gets a new job, a relationship ends, or someone simply wants to move on. The exit rules are already set: buyout terms, valuation method, right of first refusal, notice periods. When the moment comes, everyone follows the same agreed process with a clearer record and fewer surprises.

• Pre-agreed sale, buy-out, and transfer flows
• Valuation rules set in advance
• Right of first refusal between co-owners
• Structured exit calculator

What if something changes?

What if someone wants to sell?

Your agreement sets the process upfront. Usually it's a right of first refusal for other co-owners, then an open sale. Laddered walks everyone through the steps so it doesn't become a fight.

What if someone can't pay their share?

You decide the rules in advance: short-term loans between co-owners, adjusted ownership percentages, or a buy-out trigger. Because it's agreed early, nobody's blindsided.

Who makes decisions?

You set decision rules at the start: majority, unanimous, or weighted by ownership share. Laddered tracks proposals and votes so every decision is logged and clear.

What if we disagree?

Small decisions follow your agreed rules. Bigger disputes fall back to the resolution process you set up in your agreement: mediation, buy-out, or sale. There's always a path forward.