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.

Deposit Unlock not suitable for you?

If Deposit Unlock isn't the incentive for you, we also have Own New's Rate Reducer.

It's a regular mortgage, just with lower monthly payments for the initial period. Own New's Rate Reducer makes your new Cala home a reduced rate reality.

Find out about Own New 

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

Where do I start with Deposit Unlock?


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. 

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 below.

Less Maintenance

Opting for a new build home means less maintenance and cost compared to older houses. Modern construction ensures durability, minimising the need for constant repairs. Enjoy a low-maintenance lifestyle and the peace of mind that your home is designed for longevity, freeing up your time and money for what matters most.

Purchase your home from a plan and tailor it to your own individual taste. Choose from a range of high-quality kitchens and bathrooms, with customisable styles, colors, and finishes that reflect your personal preferences.

Your new home is covered by an NHBC or similar industry-regulated insurance scheme covering the structural integrity of your new home from years three to 10.

The first two years of the warranty is provided by us. This means we take responsibility for fixing any quality issues during this period after you move in. We also provide you a 24-hour response service for emergency calls. We take personal pride in our customer service.

Homeowners | NHBC


Peace of Mind Built In

A new build home allows you to make it your own. When you move into a new home, there’s no need to live with other people’s decorating disasters! Your light, spacious and neutral interior is the perfect blank canvas on which to create a home to suit your individual taste and lifestyle.

Choosing a new home means embracing advanced energy efficiency. With superior insulation and modern energy-saving features, your new property outperforms older homes, ensuring not just comfort but also cost savings over time. Make a smart investment in a home that aligns with contemporary standards for sustainable living.


Tackle Energy Use

Prioritising prime locations, we meticulously select sustainable sites that offer convenient access to local schools, amenities, and robust transport links. Our focus on strategic placement ensures that your new home is not just a residence but a gateway to a well-connected and vibrant community. Choose the advantage of a location that complements your lifestyle while contributing to the long-term value of your investment.

Experience a chain-free move with our Part Exchange service. Say goodbye to the complications of being stuck in a chain, saving both time and money. Discover more about this hassle-free option and explore the convenience through our Part Exchange calculator.


Cala's up to 100% Part Exchange Service

Rest assured in the safety of your new home. Built with the safety in mind, our new homes comply with the latest Health and Safety standards and feature modern consumer units, well-positioned sockets, multi-point locks, and mains-powered smoke alarms. Your peace of mind is a priority, and our commitment to safety ensures that your home is a secure haven for you and your family.

Join a vibrant new community when you choose one of our developments. Whether showcasing modern or traditional architecture, our designs are crafted to nurture a strong sense of community. Experience the satisfaction of becoming a valued part of a neighborhood where connection and camaraderie thrive.

Deposit Unlock - Everything you need to know

Deposit Unlock - Everything you need to know

Here's why buying a new build home is a good idea

Here's why buying a new build home is a good idea

The truth about new build homes. Our experts bust the myths of old vs new

The truth about new build homes. Our experts bust the myths of old vs new

Cala announces new ownership

Cala announces new ownership

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