A couple opening the door to a Miller Home

Deposit Unlock

At Miller Homes, we're proud to introduce our Deposit Unlock Scheme*, specifically designed to make home buying accessible and affordable for first-time buyers and existing homeowners. With just a 5% deposit, you could find yourself stepping into a brand-new home. Ready to upgrade or step onto the property ladder? Let Deposit Unlock be your guide.


What is Deposit Unlock?

Deposit Unlock is an initiative born out of a strategic collaboration between the housebuilding industry and mortgage lenders. Its mission is to make buying a new home more achievable by providing a pathway for buyers with only a 5% deposit. Whether you're venturing into the housing market for the first time or looking to transition into a larger home, Deposit Unlock could be your key to new opportunities.


How Does Deposit Unlock Work?

Imagine owning a brand-new Miller home valued up to £833,000. With Deposit Unlock, that vision can become your reality, subject to lender’s criteria.

Here’s how it works: Deposit Unlock allows you to purchase a new-build home with a 95% mortgage, by providing access to a host of low deposit mortgage products through our network of lenders, all at competitive interest rates.

In other words, Deposit Unlock makes it possible for you to buy a high-value home with a relatively small upfront payment, while also benefiting from competitive mortgage rates. This not only makes the home-buying process possible, but also affordable.

Ready to transform your home ownership dreams into reality? Here’s how to get started. Register or log in on our website to add Deposit Unlock to your preferences under the ‘My Miller Home’ section. For more personalised guidance, reach out to our Development Sales Managers who can connect you with our recommended independent financial advisers. For more information, visit the Deposit Unlock website, watch our video guide below or get in touch with the team at Miller Homes today with your enquiries.


Deposit Unlock cannot be used with any other financial incentive and is only available on selected plots on selected developments.

Subject to eligibility, terms and conditions.The exact eligibility requirements may vary based on the lender's criteria.

Deposit Unlock

Use our mortgage calculator

Use our mortgage calculator

Use our handy mortgage calculator to work out your repayment amounts.

Calculate now

Now find your new home

Now find your new home

Deposit Unlock FAQs

Are there any extra costs when using Deposit Unlock?

There are no additional costs specific to the Deposit Unlock Scheme*. However, standard home buying costs, such as legal fees, mortgage arrangement fees and Stamp Duty Land Tax (if applicable) still apply.

Can I buy any Miller home using Deposit Unlock?

You can purchase any new build Miller home valued up to £833,000 with Deposit Unlock, subject to the lender's criteria and mortgage approval.

Can I use other Help to Buy schemes alongside Deposit Unlock?

The compatibility of Deposit Unlock with other schemes depends on the terms and conditions of those specific schemes. It is recommended to consult with your chosen independent financial adviser for detailed information.

How do I apply for Deposit Unlock?

To apply for Deposit Unlock, register or log in on our website to add Deposit Unlock to your preferences under 'My Miller Home'. Our Development Sales Managers can guide you through the process and, should you choose, introduce you to a qualified independent financial adviser.

Who is eligible for Deposit Unlock?

The Deposit Unlock Scheme* is available to first-time buyers and existing homeowners seeking to buy a new build Miller home. The exact eligibility requirements may vary based on the lender’s criteria.

Be first to know! Register or login now so you don't miss out on priority email alerts, exclusive offers and more!

  • Save your amazing homes and developments
  • Use our app to help find your new home
  • Exclusive alerts about new homes and offers
  • Plus, pre-reserve your new home online