We use cookies to ensure that we give you the best experience on our website. If you continue without changing your settings, we'll assume that you are happy to receive all cookies on the Miller Homes website. However, if you would like to, you can change your cookie settings in your internet browser at any time.

95% mortgage. 100% quality.

95% mortgages are available on many of our developments across Scotland* and are not just for first time buyers!

  • Available on many
  • Deposits from as
    little as 5%.
  • Not just for first time

Many people are unable to purchase a home or move house because of the large deposits required in today’s difficult mortgage market. The MI New Home scheme in Scotland is designed to help overcome this deposit gap.

The scheme is aimed at those who already own a home or at first time buyers who only have funds for a 5% deposit. MI New Home will allow loans to be secured at 95% of the property’s value. Home buyers wishing to take advantage of the scheme will need to qualify for a mortgage with a mortgage lender in the usual way and be subject to the lender’s normal assessment criteria.

MI New Home is available to UK citizens and those with a right to remain indefinitely in the country. The scheme covers full home ownership only, so is not available for shared equity or shared ownership. It is available for the purchase of a person’s primary home only, so not for second homes or investment or buy-to-let purchases.

With over 97% of our customers recommending us to their best friend, and a 5 star award for customer satisfaction, the best company to make the most of the 95% mortgage* initiative has to be Miller Homes.

Search for the home of your dreams, which is now within reach with just a 5% deposit.

Not only will we offer you the home of your dreams, but we’ll advise and support you every step of the way to make sure you’re not just happy, but completely delighted. So whether you are buying your first home or looking to move into a new family home, you can take advantage of this scheme and make your move to a new Miller home.

*Miller Homes do not provide or arrange mortgages. MI New Home is available on properties up to a maximum value of £250,000 in Scotland. Subject to satisfying lender criteria.

Find your new home

Our Offers

Help to Buy - on every step of the ladder.

Buy a new Miller home with just a 5% deposit, thanks to the new Government backed schemes, Help to Buy and Help to Buy (Scotland).

95% mortgages have returned!

95% mortgages are available on many of our developments across Scotland with MI New Home. It's not just for first time buyers! The home of your dreams is now within reach with just a 5% deposit.

Home Exchange - Break chains that bind.

If you’re having trouble selling your present property, we may be able to buy it from you. Sign up to Home Exchange and in one leap you are free!

Deposit Match - Thrift Rewarded!

Sometimes, we give you money (okay, we know it seems unlikely). But we may match the deposit you’ve saved, up to 5% of the total price.

Miller Homes Ltd, Miller House, 2 Lochside View, Edinburgh Park, Edinburgh. EH12 9DH
© Miller Homes Ltd 2015 - All rights reserved, Registered in Scotland No. SC255429