Deposit unlock

Deposit Unlock Logo Master.jpg

What is Deposit Unlock?

  • Deposit Unlock is a brand-new scheme devised in collaboration with lenders and the home building industry.
  • It enables first time buyers and existing homeowners to purchase a new-build home with a 5% deposit.
  • It provides customers with competitively priced mortgage products and makes buying a new home more affordable.

What are the benefits?

  • You can buy a new home with a 95% mortgage.
  • The scheme allows customers to access a low deposit mortgage at competitive interest rates.

The participating home builders are:

  • 3West Group
  • A R Cartwright
  • AJ Property Group
  • Allison Homes
  • Anderson Design & Build
  • Anderson O&U
  • Ashberry Homes
  • Ashwood Homes
  • Baker Estates Limited
  • Barratt Homes
  • Barratt London
  • Beal Homes Limited
  • Bellway Homes
  • Bellway London
  • Bewley
  • Blackstone Developments Limited
  • Bloor Homes
  • Bovis Homes
  • Braidwater Limited
  • CALA Homes Limited
  • Campion Homes Limited
  • Chase New Homes
  • City & Country Homes
  • Countryside Properties
  • Crest Nicholson
  • Croudace Homes
  • David Wilson Homes
  • Davidson Group
  • Deanfield Homes
  • Denbury Homes
  • Devine Homes
  • Devonshire Homes
  • Durkan Estates
  • Edenstone Holdings
  • Edwards Homes
  • Fairgrove
  • Fairview
  • Fenwood Estates
  • Fortitudo Limited
  • Genesis Homes
  • Gleeson Build & Develop Limited
  • H&H Properties
  • Hagan Homes
  • Hayfield Homes
  • Hill
  • Hopkins Homes Limited
  • Ilke Homes
  • Kebbell Country Homes
  • Kebbell Development
  • Keepmoat Homes
  • Kitewood Estates Limited
  • Lagan Homes
  • Life Less Ordinary
  • Linden Homes
  • Macar Developments
  • Mandale Homes
  • MCI
  • Metis Homes
  • Miller Homes
  • MJ Gleeson PLC
  • Morris Homes
  • Morrish Homes
  • Nicholas King Homes
  • Norfolk Homes
  • Orbit Homes
  • Pat Munro Homes
  • Pearce Fine Homes
  • Pentland Homes Limited
  • Persimmon
  • Peter Ward Homes
  • Prospect Homes
  • Redrow
  • Sigma Homes
  • St Modwen Homes
  • Stonebond Group
  • Stonebridge Homes
  • Taylor Wimpey
  • Thakeham
  • Thomas Homes
  • Tilia Homes
  • Vistry Group
  • Waters Homes
  • Weston Homes PLC
  • Wheeldon Brothers
  • Woodstock Homes

The participating lenders are:

  • Accord Mortgages
  • Bluestone Mortgages
  • Nationwide Building Society
  • Newcastle Building Society
  • Perenna

Find out more on the Deposit Unlock website:

How to join

First step is to fill out the enquiry form and we will be in touch. 

Frequently Asked Questions:

You will need to be a member of the Home Builders Federation (England & Wales), Homes for Scotland (Scotland), or Construction Employers Federation (Northern Ireland).

To find out more about the scheme cost, please contact

The timeline from entry to launch will be entirely driven by the house builder's internal process to review and agree legal documentation and ability to complete the due diligence requirements. Gallagher Re will be able to support throughout this process. Upon completion of the second stage, the house builder can be live on the scheme within two weeks.

The entity chosen for registration needs to ensure there are no signs of insolvency to avoid a pre-funded sales route to utilise Deposit Unlock.

No, the scheme is open to developers of any size.