What is Deposit Unlock?

Deposit Unlock is a new scheme created by the Home Builders Federation (HBF) in conjunction with the housebuilding industry and mortgage lenders. It allows purchasers to buy a new-build home with as little as a 5% deposit.

The scheme is open to first time buyers and home movers who wish to buy a new-build home from a registered HBF member, with a deposit between 5% and 9.99%.

If you are currently paying money towards your rent and you would prefer to pay this towards buying a new home, then it could be worth exploring what Deposit Unlock could do to make buying a new home more affordable for you.

It reduces the amount of deposit required to purchase a home and gives you access to better mortgage deals.

Deposit unlock | What is deposit unlock? | Deposit Unlock Scheme Calculator

Deposit Unlock Calculator

With Deposit Unlock, you could buy a new home up the value of £833,000 (subject to mortgage lender's criteria). Our calculators will help you find out what size of deposit you would need to purchase your chosen home. If you already have a deposit saved, you can find out how much further it could stretch through the scheme.


(up to £833,000)

Min £100K
Max £833K

Your results

To use Deposit Unlock to purchase a house at: £
You would need a deposit of at least:
And the maximum deposit you could use would be:

This calculator is for guidance only; Cala does not offer mortgage advice. Deposit Unlock is only available on selected Cala plots and is subject to lender’s criteria. You should consider taking advice from a qualified adviser before agreeing to a mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured against it. Please see full terms and conditions at the bottom of this page. 

(up to £83,000)

Min £0
Max £83K

Your results

With a deposit of: £
You may be able to use Deposit Unlock on a home from:
Up to a maximum of:

This calculator is for guidance only; Cala does not offer mortgage advice. Deposit Unlock is only available on selected Cala plots and is subject to lender’s criteria. You should consider taking advice from a qualified adviser before agreeing to a mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured against it. Please see full terms and conditions at the bottom of this page. 

Here's what an Independent Financial Advisor said about using Deposit Unlock to buy a new home

Where do I start with Deposit Unlock?


Why buy a new home from Cala?

There’s nothing quite like moving into a brand-new home. From newly installed kitchens and bathrooms to the peace of mind of knowing that your property is safe, energy efficient and low maintenance.

What’s more, you’re buying a complete blank canvas on which to stamp your own individual style. Take a look at our top reasons to buy a new home.

Terms & Conditions*

  1. *Deposit Unlock is subject to lender participation and is available on selected Cala homes up to a maximum purchase price of £833,000. This is subject to change and the lender’s criteria.
  2. Deposit Unlock may be available in conjunction with other Cala offers and incentives. Please ask your Sales advisor for more information in this regard at the time. Any additional offers or incentives will be applied at Cala’s sole discretion.
  3. You must have between a 5% and 9.99% deposit to benefit from Deposit Unlock.
  4. If we believe that you may benefit from the scheme, we will issue you with a confirmation letter, which allows you to apply for a mortgage under Deposit Unlock, subject to the lender’s own criteria.
  5. We do not offer mortgage advice. We recommend that you speak with an Independent Financial Adviser to help discuss your individual circumstances. Deposit Unlock is backed by a mortgage indemnity insurance paid in part by Cala Homes. The insurance covers the lender from loss as a result of default, but your obligations to the lender remain unchanged.
  6. Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured against it.
Deposit Unlock - Everything you need to know

Deposit Unlock - Everything you need to know

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