29 July 2025 ·

Unsure how our deposit contribution works? Find out how we could top up your deposit by up to 5% and help you onto the property ladder.

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In the past two years alone, we’ve helped 300^ first-time buyers get on the property ladder by topping up their deposits, and we could help you too. To read some of our case studies, click here.

Across all our developments, we offer up to 5% towards your deposit to help make buying your new home more achievable.

 

What is a deposit contribution?

A deposit contribution means we top up your deposit amount, helping you increase the amount you can put down to secure your new home.

A larger deposit means you can unlock better mortgage products and interest rates, saving you money over the life of your loan.

 

A step-by-step on how it works

  1. Find your dream Fairview home
  2. Agree on a purchase price with our sales team which could include up to 5% towards your deposit
  3. Apply for a mortgage
  4. We pay our contribution, this is either deducted from the property price or transferred via your solicitor at exchange or completion
  5. You provide the remaining deposit
  6. You move in and become a homeowner!

 

Example:

Purchase price: £400,000

Required deposit (10%): £40,000

  • Fairview contributes £20,000
  • You contribute £20,000

Mortgage: 90% loan-to-value (LTV), based on the full £400,000 purchase price.

 

Why a bigger deposit can help you

Many mortgages require at least a 10% deposit, though some lenders offer mortgages with as little as a 5% deposit.

A larger deposit = lower risk for lenders and better rates for you.

  1. Lower LTV (Loan-to-Value): The more you put down, the smaller the loan required.
  2. Reduced lender risk: Lenders are more comfortable with borrowers who invest more upfront.
  3. Access to better interest rates: The best deals often go to those with lower LTV ratios
  4. Wider mortgage product range: A higher deposit opens the door to more lender options.
  5. Lower monthly repayments: Smaller loans mean more manageable monthly costs.
  6. Improved mortgage affordability: Lenders are more likely to approve smaller loans.

 

So if you’ve currently got a 5% deposit and are looking for the other 5%, we could be the help you need to get onto the property ladder sooner. With better rates, lower repayments, and a helping hand from Fairview, your new home might be closer than you think.

Take a look at our developments below and enquire with our sales team today.

Terms and conditions

*Deposit contribution capped up to a maximum of 5% of the property purchase, available on selected plots only. No cash alternative. Terms and conditions apply. Not available in conjunction with any other offer. Plot specific incentive. Please speak to a Sales Executive for further information.

^Data from May 2023 - May 2025.