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Mortgages with no deposit

You don't always need a deposit to buy a house. We have lenders that offer up to 100% mortgages, meaning if you're struggling to save, we may still have options.

  • Up to 100% mortgages
  • Help from family
  • Small deposits too
  • A free first call
Book a free call Call 0115 697 8086
A young family on a sofa looking at houses for sale on a tablet
family a helping hand mortgage deposit 0%25%50%75%100% the price of the home

How much deposit do you need?

75%mortgage
loan to value

25% deposit

  1. Put down a quarter of the price and the mortgage covers the other 75%. A bigger deposit can mean more lenders to choose from.

  2. Deposits are usually between 5% and 20% of the price. With 5% down, the mortgage covers the other 95%.

  3. We have lenders that offer up to 100% mortgages. The mortgage covers the whole price, so there's no deposit to save.

  4. There are different ways family members can help with your mortgage, whether your deposit is small or your income is on the low side. Get in touch to find out more.

How we help when you have little or no deposit

Fewer lenders usually go up to 100%, so it helps to have someone who knows where to look.

  • We go through every route

    A 100% mortgage, help from family or a small deposit. We explain what each one means for you, in plain English.

  • We search the lenders for you

    We find the lenders that lend at a high loan to value and suit your income, then put the application together with you.

  • We plan the other costs with you

    Even with no deposit there are other costs, like solicitor fees, a survey and moving day. We help you plan for them.

Can't fault the service. Helpful, very quick to reply, explained clearly all my stupid questions, nothing too much trouble. Highly recommend.

Kirsty, a client, August 2024

Handy for your first call

You don't need any of this to book. If you have it to hand, we can tell you more on the first call.

  • Your recent payslips
  • Three months of bank statements
  • Photo ID, such as a passport or driving licence
  • Any savings you have, even if it's not much
  • Whether a family member might be able to help

Questions we get asked

You may be able to. We have lenders that offer up to 100% mortgages, so if you're struggling to save, we may still have options. It depends on your income, your outgoings and your credit history.

There are different ways family members can help with your mortgage, whether your deposit is small or your income is on the low side. Get in touch and we'll talk you through them.

A bigger deposit can mean more lenders to choose from, so saving can widen your options. If saving is a struggle, we can look at what's open to you now. Try our calculator for a rough idea.

The first call is free and there's no obligation. There may be a fee for mortgage advice. The exact amount depends upon your circumstances, but will range from £495 to £995, and this will be discussed and agreed with you at the earliest opportunity.

We also help with

Most people we talk to fit more than one of these. Pick any that sound like you, and think about cover for your new home too.

Struggling to save a deposit?

Book a free, no-obligation call. We'll look at what's open to you, with a deposit or without one.

Book a free call Call 0115 697 8086