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Find a home with Deposit Unlock

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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.

Our mission is to inspire, guide and empower budding buyers facing challenges in today’s housing market. Learn more about the Deposit Unlock scheme to find your path.

Claire - Shared Ownership buyer in Haringey

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.

Learn more

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.

What is Deposit Unlock?

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

Do I meet the Deposit Unlock eligibility criteria?

Is Deposit Unlock only for first time buyers?

How much does Deposit Unlock cost?

Are there Deposit Unlock homes in my area?

Looking for Deposit Unlock houses or Deposit Unlock apartments? We can point you in the right direction. Share to Buy lists thousands of homes nationwide. Explore a selection of Deposit Unlock homes to buy in your area.

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