Getting on the property ladder with more flexibility

Buying your first home is exciting, but it can feel hard when you’re saving for a deposit and trying to work out what you can afford. 

At Perenna, we believe owning a home should feel more achievable. That is why we take a flexible approach to lending, helping more people take the next step with confidence. 

Start with a smaller deposit 

Saving a deposit is one of the hardest parts of buying a home. 

For example, on a £300,000 home, a 5% deposit is £15,000. It is still a lot of money, but easier to reach than a larger deposit. 

With Perenna, you can buy a new build home with just a 5% deposit*, helping you get started sooner. 

We are also flexible with how you fund your deposit, whether it is savings, developer incentives, or a mix. This can make getting a home easier. 

Flexible mortgages built around real life 

No two people are the same, and financial circumstances do not always follow a straight line. 

That is why our approach is clear, supportive, and flexible: 

• Fixed-rate mortgages for predictable monthly payments  

• Borrow up to 6 times your income* 

• Flexible early repayment charges if you decide to sell or move 

It is not just about the first step. Buying a home is often part of a longer journey. 

People move, circumstances change, and needs evolve. 

That is why flexibility matters at every stage, so you can move forward with confidence. 

Ready to take the next step? 

If you are thinking about buying a home, speaking to a broker can help you understand your options based on your individual circumstances. You may find there are more routes available than you first expected.

Speak to your broker or visit Unbiased to find one near you. 

*Subject to criteria 

You could lose your home if you don’t keep up your mortgage repayments. 

Correct at time of publishing.