Own New Mortgages

Make the next step up the
property ladder sooner.

Buy a new home with a 5% deposit

The Own New scheme gives you access to low deposit mortgages with some competitive rates.

So what is an Own New scheme mortgage?

Own New gives you access to low-deposit mortgages with attractive interest rates.

You won’t need a hefty deposit or the “bank of mum and dad,” and you’ll own your new home outright.

The programme is accessible to both first-time homebuyers and those who have previously purchased a property, including those acquiring higher-value homes as well as those purchasing a house or an apartment.

When you apply for a new mortgage from a participating lender, your capacity to make payments will be considered.

So how can I get a Own New Scheme Mortgage?

We arrange your mortgage in the regular way by dealing directly with the lender on your behalf.

You will own 100% of your new house once accepted.

This is a normal mortgage from a lender with competitive rates for you.

Own New lowers a lender’s risk, allowing it to provide competitive low deposit mortgages on newly constructed properties.

Own New comes at no cost to the homebuyer. On completion of the transaction, your housebuilder pays a modest fee.

We will do all the hard work for you.

We are dedicated to making the purchasing of your new home as simple as possible.

So call us today and we will walk you through the process and start looking for the best mortgage rate for your unique situation. We will assist you from the first application to contract exchange and legal conclusion.

How much can I borrow?

How much deposit do I need?

How much will it cost me each month?

How much will my stamp duty be?

How much can I borrow?


Please enter only numbers

This is not a formal quotation or a commitment to lend. All figures provided are for illustrative purposes only. Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.