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Buy with a 5% deposit and Deposit Unlock

With Deposit Unlock, whether you’re a first time buyer or an existing homeowner, you could buy selected new homes, with just a 5% deposit.

What is Deposit Unlock?

  • The scheme is devised in collaboration with lenders and the housebuilding 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.
  • The scheme is exclusively available on selected new-build homes up to £600,000.
  • Find out more about the benefits and how to apply below.
Poppy Fields houses
Home office

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.

How do I apply?

  • Search for a new home near you below and contact us today.
  • We will then put you in touch with a specialist New Homes Mortgage Adviser who can help you arrange your mortgage using Deposit Unlock.

Why buy new?

  • We design our homes so they are energy efficient, so you could have cheaper bills each month.
  • Our homes are low maintenance, so you don’t need to worry about DIY.
  • You could add your personal touch by picking the details for your home.
  • All our homes come with a 2 year fixture and fittings warranty and a 10 year structural warranty for your peace of mind.
  • You can buy with confidence knowing that we have won awards for our quality year after year and that over 90% of our customers would recommend us^, for 12 years in a row.
Maidstone dining room

View the full terms and conditions here.

^Based on HBF star rating scheme from 2010 to 2021 derived from the NHBC national new homes survey at eight weeks (https://www.hbf.co.uk/policy/policy-and-wider-work-program/customer-satisfaction-survey/#tab-downloads), over 90% of Barratt Developments PLC group customers would recommend our brands to a friend.