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Deposit Unlock

Low deposit options for new build homes 

We're here to help more people become homeowners. That's why we've created mortgage options with just a 5% deposit to support the Deposit Unlock scheme. 

A partnership between the Home Builders Federation, builders, and Gallagher Re. The Deposit Unlock scheme offers an affordable way to buy a newly built home with a low deposit. It is available to benefit both first-time and next-time buyers. 

To see which builders are part of this scheme, visit the Home Builders Federation website.  

Our Deposit Unlock products 

Affordability calculator

Find out how much your clients could borrow.

Find out more

Product range

Check out our latest rates and products.

Find out more

Lending criteria

Always up to date with new easy to use search.

Find out more

Meet your BDM

Here to support you

Available across the UK, your dedicated Business Development Manager (BDM) is ready to give expert advice on your product, criteria, or application questions.

Headshot of Judy, Newcastle for Intermediaries BDM

Judi Hancock

South East

Postcodes:

SO, PO, GU, RH, BN, TN, ME, CT, SS, CM, CO, BR, DA, CB, IP, RM

Headshot of Steven, Newcastle for Intermediaries BDM

Stephen Breen

North West and M62 Corridor

Postcodes:

FY, LA, PR, BD, BB, L, WN, BL, OL, HX, M, WA, CH, CW, SK, S, DN, HU, HD, LL

Headshot of Linzi, Newcastle for Intermediaries BDM

Linzi Stafford

Telephone

Postcodes:

HP, SL, AL, WD, HA, UB, TW, KT, CR, SM, EN, IG, E, EC, W, N, NW, SE, SW, WC

Headshot of Kam, Newcastle for Intermediaries BDM

Kam Gill

Midlands

Postcodes:

TF, ST, DE, NG, LN, WV, WS, DY, WR, B, CV, LE, NN, PE, NR, SY

Headshot of Andy, Newcastle for Intermediaries BDM

Andy White

South West and Home Counties

Postcodes:

TA, BS, CF, BA, GL, SN, OX, RG, MK, LU, SG, BH, SP, NP, SA, LD, HR, DT, EX, TQ, PL, TR

Headshot of Sophie, Newcastle for Intermediaries BDM

Sophie Goodwin

North East and Scotland

Postcodes:

SR, TS, DD, G, FK, KY, KA, ML, EH, DG, TD, CA, NE, DL, DH, HG, YO, LS, WF, KW, IV, PH, AB, PA

Contact our dedicated Intermediary Support Team on 0345 602 2338 or intermediary.lending@newcastle.co.uk. We're available from 8am to 6pm, Monday to Friday.