No Deposit? No Problem.

No Deposit? No Problem.

Thanks to positive changes in the mortgage market, buying a brand-new Cotswold Oak home could now be more achievable than you think.

With an eligible 95% mortgage and our 5% Deposit Paid* offer, you could move into your new home with zero deposit of your own to find.

And you could potentially borrow more

Subject to eligibility and affordability, the new mortgage product could allow qualifying buyers to borrow up to 6 times their income — potentially opening up a wider choice of homes.

How does it work?

The 95% mortgage requires a 5% deposit, but where a qualifying 5% Deposit Paid* incentive is available, that deposit can be provided by Cotswold Oak Ltd.

For example, on a home priced at £324,950:

• 5% deposit: £16,247.50
• Cotswold Oak contribution: £16,247.50
• Deposit you need to provide: £0
• 95% mortgage: £308,702.50

That could mean less time saving for a deposit, greater borrowing potential and a faster route to your new home.

Could this change what you thought you could afford?

Speak to our sales team to find out more and whether you could be eligible.

Terms, conditions and eligibility criteria apply. Mortgage availability and maximum borrowing are subject to lender criteria, affordability assessment and individual circumstances. 5% Deposit Paid is available on selected homes only. Independent mortgage advice should be obtained.

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