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
New first time buyer scheme: Your First Home – What we know so far
If you’re struggling to take your first step onto the property ladder, there’s fresh hope for firs…
Government updates first time buyer ISA rules: What it means for your deposit timeline
Whether you are looking to buy a home on the open market or exploring affordable homeownership schem…
Square Roots: Making homeownership achievable in London
For many young professionals, homeownership feels like it’s been pushed into a distant dream. Square…
How to buy a new-build in London under £400,000 at Lombard Square
In the current property market, buying a new-build home in London for under £400,000 is a real chal…
Get to know Shared Ownership at the Manchester Home Show
Are you intrigued by Shared Ownership in Manchester? Or do you want to know more about other schemes…
Share to Buy shortlisted for Best Supplier to the First Time Buyer Market award 2026
We are delighted to announce that Share to Buy has been shortlisted for Best Supplier to the First T…
The single parent’s guide to buying your first home
In this guide to buying your first home as a single parent, we’re covering the schemes you may be …
10 reasons to buy your first home in Milton Keynes
As a place to live, MK balances value and opportunity with all the lifestyle perks you want in a loc…
Can you negotiate on a Shared Ownership home?
Find out what can and can’t be negotiated on a Shared Ownership home, including pricing, incentive…