Plan your purchase around the support you actually have
Some buyers can get a mortgage without providing a deposit from their own savings. The route may involve 100% borrowing, a family member’s support or a gifted deposit. We can help you understand the differences, the costs and what needs checking before you apply.
Free initial consultation by phone or online. Further fees vary by case. How our advice and fees work
Your home may be repossessed if you do not keep up repayments on your mortgage.
A 100% mortgage funds the property borrowing without a buyer deposit. It is different from receiving a deposit as a gift. A lender’s valuation and borrowing limits still apply, and neither arrangement automatically pays your other buying costs.
Some products assess rental history alongside income, credit and outgoings. For example, Skipton’s Track Record mortgage offers up to 100% loan-to-value for eligible applicants in England, Scotland and Wales, but is unavailable in Northern Ireland.
Read the Track Record eligibility and evidence guide. It is one named product, not the rule for every 100% mortgage.
Some arrangements use another person’s assets as security. Your helper may keep ownership of their savings but lose access to them for a period, with money or property at risk if the mortgage is not repaid as agreed.
Compare family savings support and guarantor arrangements. Their obligations differ.
Here, the purchase has a deposit, even if you have not saved it yourself. The lender must accept the donor and source of funds. Money that must be repaid is a loan, not a gift.
Our gifted deposit guide explains the evidence and conversations to have with the donor and conveyancer.
These are examples, not a complete lender list or confirmation that Count Ready can arrange a particular product. Availability, our access and suitability must be checked for your case. A joint borrower helping with income does not automatically solve a missing deposit.
There is no single set of rules across the market. Start with your circumstances rather than the name of a product:
A deposit-free product does not make buying cash-free. Ask for written quotes and a timetable for:
A lower valuation can also leave a shortfall. For illustration, agreeing to pay £225,000 does not mean the lender will advance £225,000. If it accepts a value of £215,000 and lends that amount, you would need to cover £10,000 plus costs. This is an arithmetic example, not an offer or lending limit.
Tax rules differ across England, Northern Ireland, Scotland and Wales. Check our UK first-time buyer property tax guide and ask your conveyancer to confirm your position. Product eligibility does not establish entitlement to tax relief.
Ask for a current mortgage illustration covering the initial deal, later rate, fees and early repayment charges. A longer term may reduce monthly payments while increasing interest overall. We do not quote a live product rate on this page.
Borrowing the full value leaves little protection against a fall in the home’s price. If you owe more than it is worth, you are in negative equity. Selling or changing lender may then be difficult, even when your payments are up to date. MoneyHelper explains the consequences.
Compare the full ownership budget with your current rent, allowing for repairs and costs your landlord currently covers. Consider how a change in income or a need to move would affect you.
Share your intended location, approximate price range, income type, available savings and whether anyone could help. You can enquire before finding a property.
We can discuss which information is relevant. Use the mortgage document checklist, then confirm any additional rental or helper evidence for the proposed product.
Review the borrowing, monthly budget, fees and risks. A recommendation depends on the scope of our advice and the products accessible for your circumstances; there may be no suitable no-deposit option.
Understand any credit search and provisional decision before proceeding. An agreement in principle is not a mortgage offer. Full assessment and property checks still follow.
It may be more practical to build a deposit, change the property budget or resolve financial issues first. Compare a 5% deposit mortgage with the time and costs of continuing to rent. Saving a deposit can widen the options, but it does not guarantee acceptance.
Shared ownership may reduce the cash needed because you buy a share. It is not automatically deposit-free, and rent and other charges remain. GOV.UK explains England’s arrangement; other UK nations have different rules. A scheme or family contribution does not override lender requirements.
The initial consultation is free. Further fees vary by case and are agreed before chargeable work starts. A processing fee may apply separately from an offer fee and is not charged in every case. We may receive lender commission. Ask for the applicable fees, payment stages and refund terms in writing; see our Terms of Business.
We will explain the information needed and the reasons for any mortgage recommendation. The lender makes the lending decision. We cannot guarantee approval, a particular rate or a no-deposit product.
Some eligible buyers can, but the options are limited and depend on the product, property and circumstances. A 100% mortgage covers the property borrowing without a buyer deposit; it does not automatically cover legal fees, tax, moving costs or a valuation shortfall.
Not always. Some renter products use rental history as part of the assessment without requiring a guarantor. Other arrangements rely on a helper’s savings or property. Check the actual product rather than assuming all no-deposit mortgages work alike.
No. A gift can mean you do not need to provide your own savings, but the purchase still has a deposit and the mortgage covers the remaining amount. The lender and conveyancer must accept the gift and its evidence.
Do not assume there is a suitable product. Credit issues and having no deposit can each restrict your choices. A helper does not remove the lender’s credit and affordability checks. Discuss the type and timing of the issue before making another application.
A smaller deposit on a purchased share is different from no deposit. Requirements depend on the lender, provider and arrangement. Include rent and service charges when assessing affordability, and check the rules for the country where you are buying.
Do not take a loan on the assumption that it will make a mortgage possible. The lender must accept the source of the deposit, and extra repayments can reduce affordability. Disclose borrowing honestly and discuss alternatives before taking on new debt.
Tell us whether you are researching, saving or ready to make an offer. A short description of your circumstances is enough to begin.
Reviewed 7 September 2026. General UK mortgage information, not a personal recommendation. Named products are examples and their availability and criteria can change.
Your home may be repossessed if you do not keep up repayments on your mortgage.
