A voltage reference circuit, comprising: a reference circuit comprising a first circuit configured to generate a proportional-to-temperature current (Iptat) and corresponding first control voltage (Vp) and a second circuit configured to generate a complementary-to-temperature current (Ictat) and corresponding second control voltage (Vc); a first load circuit; and a first current source (514 1 -514 3) coupled to the first load circuit, the first current source (514 1 -514 3) generating a sum current of the proportional-to-temperature current (Iptat) and the complementary-to-temperature current (Ictat) in response to the first and second control voltages, the first load circuit generating a zero temperature coefficient, Tempco, voltage from the sum current; the voltage reference circuit characterised in that it further comprises: a second load circuit; and a second current source (715 2) coupled to the second load circuit, the second current source (715 2) generating another sum current of the proportional-to-temperature current (Iptat) and the complementary-to-temperature current (Ictat) in response to the first and second control voltages, the second load circuit generating a negative Tempco voltage from the other sum current and the complementary-to-temperature current (Ictat), wherein the second load circuit comprises a first resistor ladder and a second resistor ladder coupled in series between the second current source (715 2) and a ground node, the first and second resistor ladders (728, 730) receiving the other sum current, a portion of the second resistor ladder receiving the complementary-to-temperature current (Ictat), the first resistor ladder configured to control the level of the negative Tempco voltage and the second resistor ladder configured to control the slope of the negative Tempco voltage. a reference circuit comprising a first circuit configured to generate a proportional-to-temperature current (Iptat) and corresponding first control voltage (Vp) and a second circuit configured to generate a complementary-to-temperature current (Ictat) and corresponding second control voltage (Vc); a first load circuit; and a first current source (514 1 -514 3) coupled to the first load circuit, the first current source (514 1 -514 3) generating a sum current of the proportional-to-temperature current (Iptat) and the complementary-to-temperature current (Ictat) in response to the first and second control voltages, the first load circuit generating a zero temperature coefficient, Tempco, voltage from the sum current; the voltage reference circuit characterised in that it further comprises: a second load circuit; and a second current source (715 2) coupled to the second load circuit, the second current source (715 2) generating another sum current of the proportional-to-temperature current (Iptat) and the complementary-to-temperature current (Ictat) in response to the first and second control voltages, the second load circuit generating a negative Tempco voltage from the other sum current and the complementary-to-temperature current (Ictat), wherein the second load circuit comprises a first resistor ladder and a second resistor ladder coupled in series between the second current source (715 2) and a ground node, the first and second resistor ladders (728, 730) receiving the other sum current, a portion of the second resistor ladder receiving the complementary-to-temperature current (Ictat), the first resistor ladder configured to control the level of the negative Tempco voltage and the second resistor ladder configured to control the slope of the negative Tempco voltage. a second load circuit; and a second current source (715 2) coupled to the second load circuit, the second current source (715 2) generating another sum current of the proportional-to-temperature current (Iptat) and the complementary-to-temperature current (Ictat) in response to the first and second control voltages, the second load circuit generating a negative Tempco voltage from the other sum current and the complementary-to-temperature current (Ictat), wherein the second load circuit comprises a first resistor ladder and a second resistor ladder coupled in series between the second current source (715 2) and a ground node, the first and second resistor ladders (728, 730) receiving the other sum current, a portion of the second resistor ladder receiving the complementary-to-temperature current (Ictat), the first resistor ladder configured to control the level of the negative Tempco voltage and the second resistor ladder configured to control the slope of the negative Tempco voltage.