A woman and boy smile in the kitchen whilst removing a cake from the oven in front of a black and white coloured dog.

Own New No Deposit

Own New No Deposit could help you buy a new home without saving a deposit.

At Charles Church, we believe finding the right home shouldn't have to wait.

With Own New No Deposit, you could move into a stunning new Charles Church home without needing to save a traditional deposit. Designed for buyers who can comfortably afford their monthly mortgage repayments but haven't yet built up a deposit, this no deposit mortgage scheme could help you make your move sooner.

Because when you've found a home you'll adore, why wait to make it yours?

Discover Own New No Deposit

What if your dream home didn't need a deposit? With Own New No Deposit, you could move into a stunning new Church home with no deposit needed. And on selected homes, we'll take care of even more, with contributions towards your stamp duty, flooring, and appliances.

So there's less to pay up front and more to spend making your new home yours. Found the one? Speak to our sales advisors today and make your move.

Why choose Own New No Deposit?

Move without a traditional deposit

If you can comfortably afford your monthly mortgage repayments but haven't been able to save a deposit, Own New No Deposit could help you access a no deposit mortgage and take the next step towards owning a Charles Church home.

More help towards your move

And on selected homes, we'll make moving even easier with:

Up to £5,000 towards your Stamp Duty*
Up to £5,000 towards flooring and appliances*

So you can focus on making your new house feel like home from day one.

Who is eligible?

Own New No Deposit may be suitable if you:

Are aged 21 or over
Can comfortably afford monthly mortgage repayments
Meet the required affordability criteria
Satisfy standard lending and credit checks
Are purchasing an eligible Charles Church home

Our sales team can introduce you to an approved Own New mortgage broker who will be able to advise whether you're eligible for a no deposit mortgage through the Own New No Deposit scheme.

Find your new home with Own New No Deposit

Understanding Own New No Deposit: Your Questions Answered

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*Available on selected plots only.

The No Deposit Mortgage is subject to the lender's prevailing interest rate at the time of application. As interest rates can change, your mortgage adviser will provide a personalised mortgage illustration showing the latest rate and monthly payment before you proceed.

The No Deposit scheme is available on selected Charles Church developments and plots in England and Wales.

Eligibility is at Charles Church's discretion, is subject to receiving regulated advice from an approved Own New mortgage broker and is ultimately subject to lender terms and conditions.

Purchase schemes cannot be used in conjunction with any other scheme.

Additional offer: SDLT contribution

In this Offer SDLT means Stamp Duty Land Tax and includes the equivalent LTT in Wales. The term “Price” means the purchase price for the Charles Church home as will be stated in the transfer deed or lease (or in either case regional equivalent).
This Offer is available on selected Charles Church developments and plots in England and Wales only, subject to customer status and availability. In these terms “You” means the customer(s) and applies if the relevant Charles Church home is being acquired by one or more persons. “Us” and “Our” are references to Charles Church. “The Offer” means the offer detailed in paragraph 4 below. The provision of the Offer is strictly subject to these terms and conditions. “We” means Us and You. For the avoidance of any doubt if You comprise more than one person and either or any of You withdraw from the purchase of the Charles Church home, the person(s) so withdrawing shall not be entitled to the Offer.
Our sales representative will let You know in writing, prior to or on reservation of a Charles Church home, whether or not You qualify for this Offer. To qualify for this Offer, You must enter into a reservation agreement with Us (which includes payment of the required reservation fee) for the specific Charles Church home to which Our Offer relates, in accordance with the applicable regional terms and conditions.
The Offer comprises a financial incentive that:

equates to the SDLT that You will be legally obliged to pay in respect of the Price (and for the purposes of this Offer Price excludes any additional fixtures that necessitate the payment of SDLT and which You agree to purchase from Us); and
is a sum that, regardless of the Price, shall not exceed £5,000; and
will be shown on the completion statement as a “deduction” from the completion balance when you complete (the Offer will not be given or paid to You by any other means)

Additional offer: Upgrades contribution

This offer is available on selected Charles Church developments and plots only, subject to customer status and availability. “The Offer” means the offer detailed in paragraph 4 below. The provision of the Offer is strictly subject to these terms and conditions. “We” means Us and You. For the avoidance of any doubt if You comprise more than one person and either or any of You withdraw from the purchase of the Charles Church home, the person(s) so withdrawing shall not be entitled to the Offer.
The term “Upgrades” means upgrades to a Persimmon new home comprising flooring and freestanding household appliances shown as being available in Charles Church Select Options brochure as at the date of reservation (subject to the availability of such fixtures and fittings). The list price of the Upgrades will not exceed £5000 in aggregate.
The Offer comprises the provision and fitting (where appropriate) of the selected Upgrades to the new home reserved and purchased by You.
If You qualify for the Offer You accept and acknowledge that in certain circumstances the fitting of the Upgrades may not be finished by the completion date of the sale and purchase of the new home. If this should apply then You will give Us reasonable access to the new home after completion to manage the fitting and delivery of the Upgrades (which We shall endeavour to achieve as soon as reasonably practicable). You shall not be entitled to any compensation or alternative product for any late fitting of the Upgrades.

Charles Church shall have sole discretion to decide whether You are entitled to the Offers provided by this scheme. Charles Church reserves the right to suspend cancel or amend this Offer at any time without notice (Provided always that the terms of an Offer to an individual may not be amended where the availability of the Offer and eligibility for the Offer have been communicated in writing to that individual on or before reservation of a specific Charles Church home, without prejudice to these terms and conditions). Any suspension, cancellation or amendment will be published on Charles Church's website.