Deposit Unlock

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

What is Deposit Unlock?

Now that Help to Buy has closed for new applicants, a new scheme called Deposit Unlock has launched with the aim of helping buyers obtain larger mortgages on new build properties up to £750,000*.

Making buying a new home more affordable

The scheme is devised in collaboration with lenders and the housebuilding industry and enables first time buyers and existing homeowners to purchase a new-build home with a 5% deposit* as well as providing customers with competitively priced mortgage products.

Where can I buy with Deposit Unlock? 

• The scheme is currently only available on a limited basis and on selected homes and developments.
• Homes available with the Deposit Unlock scheme are subject to specific mortgage lender criteria. Please speak to a Sales Executive for more information.
• Deposit Unlock cannot be used in conjunction with any other financial incentives.

Enquire now and you could be moving sooner than you think

*Terms and conditions apply.

Visit the Deposit Unlock website to learn more about the scheme

Terms and conditions
1. The Deposit Unlock scheme provides mortgage indemnity insurance policies to participating lenders, to which City & Country 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.
2. Your home may be repossessed if you do not keep up payments on a mortgage or any other debt secured on it.
3. City & Country do not offer mortgage advice. Any advice in this respect should be obtained from a mortgage adviser or lender.
4. Customers must be able to provide a 5% minimum deposit.
5. The Deposit Unlock scheme is available on selected homes up to a maximum purchase price of £750,000. This is subject to change and is determined by the mortgage lender’s criteria.
6. Homes available with the Deposit Unlock scheme are subject to specific mortgage lender criteria.
7. Offer available on selected homes and developments only. Subject to contract and status. Following withdrawal or termination of any offer, we reserve the right to extend, reintroduce or amend any such offer as we see fit at any time.
8. Deposit Unlock cannot be used in conjunction with any other offer or incentive.

For more information on the Deposit Unlock scheme, please visit https://deposit-unlock.co.uk/.