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Fair By Design
Ending the extra costs of being poor
Fair By Design
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  • About Us
    • The Fair By Design Team
    • The Fair By Design Steering Group
    • Funders & Partners
  • Poverty Premium
    • Lived Experience
  • Policy and advocacy work
    • The poverty premium in insurance
    • The Local Poverty Premium
    • Financial Conduct Authority Must Think Financial Inclusion
    • Inclusive Design in Essential Services
    • No Interest Loan Scheme (NILS)
    • Warm Home Discount scheme
    • Protected characteristics and the poverty premium
    • The poverty premium: A customer perspective
    • Fair By Design consultation responses
  • Fair By Design Fund
    • Fair By Design Portfolio
  • Publications
  • News & Blog
  • Media
  • Contact
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  • About Us
    • The Fair By Design Team
    • The Fair By Design Steering Group
    • Funders & Partners
  • Poverty Premium
    • Lived Experience
  • Policy and advocacy work
    • The poverty premium in insurance
    • The Local Poverty Premium
    • Financial Conduct Authority Must Think Financial Inclusion
    • Inclusive Design in Essential Services
    • No Interest Loan Scheme (NILS)
    • Warm Home Discount scheme
    • Protected characteristics and the poverty premium
    • The poverty premium: A customer perspective
    • Fair By Design consultation responses
  • Fair By Design Fund
    • Fair By Design Portfolio
  • Publications
  • News & Blog
  • Media
  • Contact

Ventures

Kettel

Helps people build the required deposit, credit and affordability to buy a home

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hundo

Redesigning education to employment journey for young people

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Debtstream

Debt collection solution that supports users to adopt sustainable financial behaviours

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Court Correct

Building an online legal system for a fairer society

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Aura

The go-to platform for all fertility resources and family planning tools

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Plend

Ethical lender that provides smarter and more affordable credit

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Mirthy

The go-to platform for all of over-60's social, physical and financial needs.

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Organise

Better work is possible! Start, run, and win campaigns to change your workplace.

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Tembo

Helping first-time buyers get on the property ladder by increasing the size of their deposit.

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Tandem

The future of transport outside big cities. The smart way to move your community

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Homeppl

Digital verification and management solution for tenants, agencies, and landlords

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Guardian Angel

Empowering people to plan for and manage death

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Youtility

Simplifies home finances: track, compare, switch and save, all in-app

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SteadyPay

Improves the financial wellness of all gig economy workers

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Emrgnt

Building delivering transformative distributive energy systems.

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Minibems

Internet Of Things based solution for the heating market

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Wagestream

Ending the need for employer advances, loans and the stress.

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Switchee

Helping landlords connect with their properties

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Credit Kudos

Better credit for all - a new kind of credit bureau

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We Are Digital

Digital and financial inclusion training

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incuto

Banking tech platform for Credit Unions, Community Banks & CDFIs

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Kraydel

Helping people stay active and independent for longer

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Jobskilla

Getting more people with limited means into work. Skills for life

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Living with the Poverty Premium

I had to take out a pay day loan when I had a car accident, and my excess was £400. I am still paying it off now.

Read Sherisha’s Story

My routine for a day depends on how I’m feeling as I have Bipolar. I once took an emergency loan when I was having a ‘high day.’

Read Deb’s Story

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Follow The Conversation

Fair By Design Fair By Design · 10 hours ago
@FairByDesign
Insurance is becoming increasingly unaffordable for those on low incomes, causing some to give up insurance policies as they prioritise food and energy bills.

https://t.co/fFobcdjk6d https://t.co/9pSP5JCCIp
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Latest News

Press Release: Priced out – Poor people giving up insurance due to ‘poverty premium’

13.03.2023

Research & Policy

Fair By Design responds to the HM Treasury’s regulation of Buy Now Pay Later consultation

11.02.2022

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