Skip to content
  • There are no suggestions because the search field is empty.

Understanding our home finance waiting list times

Based on how much of your down payment you have with us, your expected wait time follows a clear pattern.

As a general guide (assuming your full down payment is saved from day one):

  • 15% down payment → approximately 24 months

  • 20% down payment → approximately 18 months

  • 30% down payment → approximately 12 months

For example, if you required £300k of funding, and invested £300k x 20% = £60k into your GYS Home account with us, then you would expect to meet the eligibility criteria in around 18 months. This relationship can be easily extrapolated, meaning the larger your down payment, the shorter your expected wait time.

In practice, most customers build up their savings over time. Your dashboard will show a personalised timeframe, including your estimated Eligibility Date, based on your actual savings history and Community Points.

As with all home finance in the UK, these timelines are estimates and may change depending on your savings behaviour, withdrawals, and any updates to your finance requirements.

Pfida Help V3210123456