No Deposit? No Problem.

Getting on the property ladder without a deposit might sound too good to be true — but with the right scheme or support, it is possible.

We help first-time buyers and renters explore genuine no-deposit options, including family-backed mortgages and lender-supported schemes.

Helping You Buy with a 0% Deposit

What is a 0% Deposit mortgage?

A 0% deposit mortgage allows you to borrow 100% of the property’s value — meaning you won’t need to put down any upfront savings.

These mortgages are typically available through specialist lenders or schemes where a guarantor (like a family member) supports your application, or where you’ve been renting consistently.

Explore Alternative Routes

Whether it’s a guarantor mortgage, rent-to-own, or family springboard product — we’ll guide you through all the options.

Find Eligible Lenders

Not all lenders offer 100% mortgages — but we know who does, and what they’re looking for in an applicant.

Boost Your Affordability

We help you strengthen your case with a detailed affordability review, so lenders feel confident in your ability to repay.

Save Time and Avoid Dead Ends

We’ll avoid lenders who aren’t a match, and connect you with the ones who actively support buyers without savings.

Benefits of Using a Mortgage Broker for 0% Deposit Mortgages

Be Prepared

Things to Consider With 0% Deposit Mortgages

Good Credit History

Lenders take more risk with 100% mortgages — so a strong credit profile is often essential. We’ll review your report with you and give advice where needed.

Family Support

Some lenders offer family-assisted mortgages, where a relative puts down savings or equity as security. We’ll help structure this properly.

Rental Track Record

If you’ve been renting for 12+ months and paying reliably, some lenders accept this as proof of affordability.

Property Eligibility

Not all homes are eligible — for example, new builds or flats might not qualify. We’ll make sure the property fits lender criteria.

Long-Term Planning

100% mortgages may come with higher rates or conditions. We’ll plan ahead with you, including future remortgaging when equity builds.

FAQs

Can I get a mortgage with no deposit at all?

Yes — with the right scheme or support. Options include family-backed mortgages and rental-based 100% products.

Do I need a guarantor?

Not always. Some lenders offer 0% deposit deals based on your rental history or income alone — though family support can widen your options.

Will the interest rate be higher?

Sometimes, yes — but not always significantly. We’ll show you the most competitive options for your situation.

What happens if property prices fall?

With a 100% mortgage, negative equity is a risk. We’ll explain this clearly and help you make a well-informed decision.

Is a 0% deposit mortgage better than saving a deposit?

It depends. If you’re paying high rent already, getting on the ladder sooner could make more sense long term — we’ll help weigh it up.

First Time Buyer

As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.

Remortgage

Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.

Self Employed

We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.

Buy To Let

From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.