Deposit Unlock | 5% Deposit Mortgage Scheme - First Time Buyers

Deposit Unlock: New Build homes available with just a 5% Deposit

Ready to move into a brand-new home that’s part of a thriving new community? Our Deposit Unlock scheme makes it possible with only a 5% deposit!

At Countryside Homes, we're committed to helping you find a new build home in a sustainable community – and a low deposit doesn’t need to hold you back. Our Deposit Unlock scheme* is designed to support first-time buyers and home movers, offering a straightforward path to homeownership with just a 5% deposit.

Whether you're starting your journey or moving to a new chapter, this scheme can help you secure a place at a high-quality development where you and your family can flourish for years to come.

What is the Deposit Unlock scheme?

Deposit Unlock is a home-buying scheme that enables first-time buyers and existing homeowners to take out a mortgage with just a 5% deposit. You could purchase a home of up to £750,000 through this initiative, which has been created in collaboration with housing developers and mortgage lenders.

Exclusively available on selected new build homes, Deposit Unlock offers access to competitive mortgage products from high-street lenders. This scheme is part of our commitment to making homeownership more accessible, allowing you to own 100% of your new home, in a community that's built to last.

Deposit Unlock is coming to an end on the 30th April 2026, get in touch with our Sales Consutants today to find out more.

Can I get a mortgage with a 5% deposit?

With our Deposit Unlock scheme, you may be able to buy a house with a 5% deposit, provided you:

Are a first-time buyer or home mover
Can comfortably afford the 5% deposit
Pass the mortgage provider's affordability assessment and meet their lending criteria

To take advantage of this offer, you'll need to apply before reserving your property and before any other discounts are applied. Please note that our usual reservation and sales terms and conditions will also apply.

How to get a 5% deposit mortgage with Countryside Homes

The Deposit Unlock scheme is designed to help you buy a new build house or apartment from Countryside Homes with just a 5% deposit. Here's how the process works:

1. Choose a new build home you'd like to purchase from Countryside Homes and then speak with one of our Sales Consultants about using the scheme – it doesn't matter if you're a first-time buyer or an existing homeowner.

2. We'll introduce you to a specialist New Build Mortgage Advisor who'll help you begin your Deposit Unlock mortgage application, ensuring you receive the support you need.

3. When you're ready to reserve your new build home, our Sales Consultants will provide a Confirmation Letter so you can apply to a participating lender for a Deposit Unlock mortgage.

To get started, simply browse our developments at a location near you or get in touch with our Sales Consultants to find out more about the scheme.

Benefits of buying a new build home through Deposit Unlock

Accessible homeownership: With only a 5% deposit required, buying a new home becomes more attainable, helping you secure your future home.
A wide range of choices: Available for homes valued up to £750,000, giving you the flexibility to find a home that fits your needs and lifestyle.
Competitive rates: An insurance-backed guarantee helps you access competitive mortgage rates, helping you minimise long-term costs of purchasing your home.
Long-term ownership: You will fully own your home, giving you the foundation to build stability and a lasting connection to your community.
Sustainability and savings: New homes are built with energy efficiency in mind, helping reduce utility costs while supporting sustainable living.

Deposit Unlock FAQs

What is the maximum property price under Deposit Unlock?

Deposit Unlock is available on select homes valued up to £750,000. This gives you access to a wide range of new build homes, all while benefitting from a 5% deposit.

Can I get a 5% deposit mortgage on any Countryside Homes property?

No, Deposit Unlock is available on selected homes. Please get in touch with our Sales Consultants to check if the new build home you're interested in qualifies for this offer.

Do I need to be a first-time buyer to get a 5% mortgage?

No, you don't. Deposit Unlock is available to both first-time buyers and home movers. Whether you're upsizing, downsizing or relocating, this scheme can help you move into your new home with just a 5% deposit.

Can I combine Deposit Unlock with other schemes?

No, you can't use Deposit Unlock in conjunction with any other scheme, offer, discount or promotion. However, the initiative is designed to make homeownership more accessible on its own.

Can I use Deposit Unlock to buy a second home or buy-to-let property?

No, Deposit Unlock isn't available for investor purchases or homeowners looking to buy a second home. The scheme is designed to support individuals or families purchasing their primary residence.

Are there any hidden costs with Deposit Unlock?

No, there are no hidden costs with the Deposit Unlock scheme. The costs associated with purchasing the home remain the same as with any other property purchase.

Will I need to pay Stamp Duty with Deposit Unlock?

Yes, Stamp Duty, legal fees, and other costs related to buying a home in the UK will still apply when using the Deposit Unlock scheme. It’s important to plan for these additional expenses when assessing what you can afford.

Do I need to pay a reservation fee to secure a home I'm buying with Deposit Unlock?

Yes, there is a reservation fee required to secure a home through Deposit Unlock. This is standard for all our property sales and the cost will be confirmed by your Sales Consultant.

Can I apply for the Deposit Unlock scheme if I have bad credit?

Yes, you can apply for Deposit Unlock if you have bad credit. However, approval may be more difficult depending on the type and extent of credit issues. Each application is assessed individually.

How is it possible to buy a new build home with such a low deposit?

Lenders typically don’t offer mortgages with just a 5% deposit. However, with Deposit Unlock, Countryside Homes helps reduce the lender's risk by insuring your mortgage. This support helps make homeownership more achievable, even with a smaller deposit.

More ways we can help you move

Family Assist

When your friends or family contribute a minimum of 5% to your deposit for a new Countryside Home, we’ll say thanks to them and help you with your moving costs.

How does it work

Smooth Move

Have a home to sell? We could help sell it for you, so you can buy one of ours with Smooth Move! We could even save you time and money.

How does it work

Introduce a friend

Introduce your friends to Countryside Homes and if they buy from us, we’ll give you £2,000* to say thank you.

How does it work

Family Assist

When your friends or family contribute a minimum of 5% to your deposit for a new Countryside Home, we’ll say thanks to them and help you with your moving costs.

How does it work

Smooth Move

Have a home to sell? We could help sell it for you, so you can buy one of ours with Smooth Move! We could even save you time and money.

How does it work

Introduce a friend

Introduce your friends to Countryside Homes and if they buy from us, we’ll give you £2,000* to say thank you.

How does it work

Deposit Unlock is available on our selected new build homes only, subject to contract and eligibility criteria. Deposit Unlock is available on selected plots up to a maximum value of £750,000 and is subject to lender participation, contract and status. Rates and maximum purchase price vary via lender. 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. A minimum 5% customer deposit is required. The product is backed by a mortgage indemnity insurance to which we make a financial contribution. The insurance covers the lender in the event of a loss as a result of repossession. Your obligations to the lender remain unchanged, as the benefit of the insurance is for the lender. We do not offer mortgage advice, any financial advice should be obtained from a mortgage adviser or lender. To take advantage of this offer you must claim before reserving a property from us and before any other discount is applied. This offer is not to be used in conjunction with any other offer, discount, promotion or scheme. Not applicable to second homeowners or investor purchasers. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Subject to individual lender terms and conditions. Our usual reservation and sales terms and conditions also apply. Please speak to one of our sales consultants for more details. We have appointed Gallagher Re to liaise with the mortgage lender and administer the Deposit Unlock scheme on its behalf.

Deposit Unlock: New Build homes available with just a 5% Deposit

Ready to move into a brand-new home that’s part of a thriving new community? Our Deposit Unlock scheme makes it possible with only a 5% deposit!

What is the Deposit Unlock scheme?

Can I get a mortgage with a 5% deposit?

How to get a 5% deposit mortgage with Countryside Homes

Benefits of buying a new build home through Deposit Unlock

Deposit Unlock FAQs

Start your search today

More ways we can help you move

Family Assist

Smooth Move

Introduce a friend

Family Assist

Smooth Move

Introduce a friend

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