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Buying with Verto
Deposit Unlock
Deposit Unlock
Buy a brand-new zero carbon home with just a 5% deposit.
Helping you move to zero
A new home with a 5% deposit
Deposit Unlock is a mortgage-indemnity scheme created by the home-building industry and participating lenders. It lets you buy a new-build home with just a 5% deposit and a competitively priced 95% mortgage.
1
Check your budget
Speak to a mortgage adviser about what a 95% mortgage looks like for you with a participating lender.
2
Choose your Verto home
Deposit Unlock can be used on our new-build homes, subject to lender criteria and price caps.
3
Reserve with 5% in mind
Reserve your plot as normal — your deposit at exchange is just 5% of the purchase price.
4
Apply for your mortgage
Your adviser applies to a Deposit Unlock lender; the scheme insurance is handled behind the scenes at no direct cost to you.
5
Exchange and complete
Exchange with your 5% deposit, then complete and move in — with full ownership from day one.
6
Live zero
Your energy savings as a Zero Bills homeowner can make the higher loan-to-value surprisingly affordable.
Your questions, answered
Anything we have missed? Email sales@vertohomes.com and we will talk it through.
Which lenders take part in Deposit Unlock?
Is Deposit Unlock only for first-time buyers?
Is there a maximum purchase price?
How is this different from shared ownership?
Other ways to make the move
Part Exchange
We buy your current home, so there is no chain and no estate agent fees.
First Homes Scheme
A discount off market price for eligible first-time buyers.
Assisted Move
We manage the sale of your home and cover the agent fees.
Could 5% get you to zero?
Our sales team can talk you through Deposit Unlock and put you in touch with experienced advisers.
