Find a home with Deposit Unlock
Search for Deposit Unlock homes on Share to Buy
Interested in the Deposit Unlock scheme?
Find your pathway to homeownership
Share to Buy is the country’s leading property portal dedicated to affordable home-buying and rental schemes, including Deposit Unlock. If you’re interested in Deposit Unlock, affordable housing products and first time buyer schemes, you’ve found your space.
Here, you can learn about the Deposit Unlock scheme including eligibility and costs, search for Deposit Unlock properties, and take the next step in your home-buying journey.
Explore your housing options
Deposit Unlock isn’t the only affordable homeownership product on the market. Find out more about other buying and rental schemes on Share to Buy.
Deposit Unlock FAQs
Whether you’re just starting out or ready to take the next step, let us help you on your way by answering your Deposit Unlock questions.
Deposit Unlock is a scheme developed by the Home Builders Federation and reinsurance firm, Gallagher Re.
In order to protect themselves from the devaluation of new properties, mortgage lenders are often stricter on the amount they are willing to lend on newly built homes, often setting minimum required deposits of 15-25%. Deposit Unlock lets buyers put down a 5% deposit on a new-build home with the house builder paying to insure the mortgage to make lenders more comfortable about offering high Loan-to-Value (LTV) mortgages on new homes.
Learn more about Deposit Unlock
The first time buyer guide to conveyancing
Learn more about the conveyancing process when buying a home, including why it’s needed and the ro…
Scottish cities for first time buyers to call home
Explore Scotland’s cities and what makes each unique, so you can find the right place to call home…
Thinking of buying a property? What the Renters’ Rights Act means for you
If you’re planning to buy a property, whether to live in or as an investment, the Renters’ Right…
How to choose a solicitor for your home purchase
Learn how to choose the right solicitor, compare quotes and avoid hidden fees for a smooth home-buyi…
Living in Scotland: Lifestyle & wellbeing perks
Discover the lifestyle, wellbeing and quality-of-life benefits of living in Scotland, from free pres…
What the Renters Reform Act means for first time buyers and Shared Ownership purchasers
The Renters Reform Act, which will commence on May 1st 2026, represents one of the most significant…
Where to start when you know nothing about buying a home
Get clarity on the process of buying your first home with this step-by-step guide, featuring answers…
How to talk to loved ones about money
Discover practical advice for starting honest, stress-free conversations about money with your partn…
How to save a deposit while still living your life
Learn how to save for a deposit realistically while still enjoying your life. Discover practical tip…