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Deposit Unlock

First time buyer or existing home owner? Make your move now with just a 5% deposit using the Deposit Unlock scheme!

The Deposit Unlock scheme*, created in collaboration with Housing Developers and mortgage lenders, enables first time buyers and existing homeowners to borrow a maximum mortgage loan up to £750,000 with just a 5% deposit. The scheme is exclusively available on selected new-build homes.

With Deposit Unlock you can benefit from competitive mortgage products from high street lenders, making buying a new home more accessible.  Plus, you own 100% of your new home. 

Deposit unlock logo

How do I apply?

1. Once you've chosen Countryside development speak to one of our Sales Consultants about using the scheme

2. We will put you in touch with a specialist New Build Mortgage Advisor to help start your Deposit Unlock mortgage application.

3. Once you are ready to reserve your brand new Countryside home our Sales Consultant will provide you with a Confirmation Letter so you can apply to a participating lender for a Deposit Unlock mortgage.

The Deposit Unlock scheme is now available. Start your search now for your brand new Countryside home and speak to our Sales Consultants to find out more. 

Search for your new home today

Terms and conditions

*The Deposit Unlock Scheme is subject to lender participation and is available on selected plots at eligible developments. Countryside Partnerships does not provide financial advice, but our sales consultants will happily point you in the direction of an independent financial advisor.

How does it work

The Deposit Unlock scheme provides mortgage indemnity insurance policies to participating lenders, to which Countryside makes a financial contribution. The insurance covers the mortgage lender in the event of a loss due to a repossession. Your obligations to the mortgage lender remain unchanged.

Your home may be repossessed if you do not keep up payments on a mortgage or any other debt secured on it.

Countryside do not offer mortgage advice. Any advice in this respect should be obtained from a mortgage adviser or lender.

How do I apply for Deposit Unlock

During the reservation process our Sales Consultants will issue you with a Confirmation Letter entitling you to apply to Deposit Unlock lenders for a Deposit Unlock mortgage. This Confirmation Letter does not oblige the Deposit Unlock lender to offer you a Deposit Unlock mortgage. You will still need to meet the lender’s own criteria to be eligible.

Your selected financial advisor will advise you as to the most suitable mortgage product for you.