Making it easier than ever to own your home
At Latimer, we want to make it easier than ever to own your home for the very first time. In fact, it's something we're passionate about - and dedicated to.
Three ways to help you own your own home
Latimer make property ownership a reality by encouraging one generation to help the next with a deposit contribution that gets you started on the housing ladder.
From taking an equity stake in your property for the longer term, or making a straightforward cash gift to boost your deposit, it's their choice. We'll sort all the paperwork with them and tailor an incentive to suit, so their money goes even further.
Deposit Stake
Ready to buy a home, but need help with your deposit? A friend or family member contributes to your mortgage deposit which then gets transferred into an equity stake in your home. Scroll down to discover more...
Deposit Unlock
Deposit Unlock means you could buy a new home with just a 5% deposit and a 95% mortgage, available to first time buyers and existing homeowners. Scroll down to discover more...
Deposit Boost
If the size of your deposit is holding you back from buying the home you want, our Deposit Boost scheme may be the answer. Scroll down to discover more...
Deposit Stake
By speaking to your independent mortgage advisor, you could access specialist lending that allows a family member to contribute to a mortgage deposit. This would then get transferred into an equity stake in your home.
It's great for your helper as well as you. They won't go on the property deeds and it doesn't impact stamp duty status, but they'll still own the equity stake in your home.
How much would you pay with Deposit Stake?
- £1,262^ monthly mortgage repayments.
- Based on a £300,000 Full Market Value plot with a 25% deposit on a 4.59% rate mortgage.
- You could save up to £404 per month^.
^Mortgage repayments are based on share values and are subject to individual criteria, eligibility, and terms and conditions that are exclusive to each property sale.
Deposit Unlock
Deposit Unlock means you could buy a new home with just a 5% deposit and a 95% mortgage, available to first-time buyers and existing homeowners.
With as little as a 5% contribution, a close family relative can do a straightforward cash gift to help you reach your target.
Deposit Boost
If the size of your deposit is holding you back from buying the home you want, our Deposit Boost scheme may be the answer.
If you have a 10% deposit, either raised entirely yourself or through a cash gift of part or all the amount, Latimer will boost this with another 5% contribution.
This will then help you reach most high street mortgage lenders’ minimum deposit requirements of 15%.
Example purchase of a new home with our Deposit Boost:
- Your 5% deposit.
- Your 5% cash gift.
- Latimer 5% Deposit Boost.
- Your 85% mortgage.
| Note: not applicable to shared ownership properties. Terms and conditions apply*. See below. |
Find out more about Family Values
Register your interest in one or more of our eligible developments. It will put you in touch with our sales advisers
Help to Own eligible developments
Cocoa Gardens
York YO31. Two, three and four bedroom homes, set in a flourishing new neighbourhood with communal open spaces.
Broadmeadow Park
Sandbach, Cheshire CW11. Four bedroom houses in an historic market town.
The Cocoa Works
York YO31. One and two bedroom apartments. A regeneration of York's famous garden factory - the Rowntree Factory.