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No Deposit Mortgage

Struggling to save a deposit? We secure specialist no deposit mortgages in the UK to help you get onto the property ladder faster.
Book your free consultation now!
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Whole of Market Broker

We are proud to have access to over 100 different lenders across the UK, ensuring we match our clients to a lender best suited to their unique circumstances.

… plus many more

What is a No Deposit Mortgage?

A No Deposit Mortgage (or 100% mortgage) is a home loan that covers the entire purchase price of the property, meaning the borrower does not have to provide any personal upfront funds. While traditional 100% mortgages largely disappeared after 2008, specialist lenders and unique products have recently emerged, mainly secured through family assistance or a charge on a relative’s property. If saving a large deposit is currently your biggest barrier to home ownership, our advisors can help you explore genuine no deposit mortgage options available across the UK through trusted lenders.
Book your free consultation now!
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What Our Clients Say

Most of our customers come from recommendations by our own existing customers, which is a testament to our level of service, communication and commitment to helping you obtain the right mortgage.

Karl has been amazing throughout the process of starting to look at properties, making offers and completing the applications for my mortgage, solicitors and insurances. Highly recommended – thank you Karl for all your help! :)

Carla Brimelow

My friends recommended Karl, and they were right to as I’m now recommending him to everyone else. Great guy and made things very straightforward for us in the process of buying our first house.

Edvard Calyj

I’ve been using KB Mortgage Solutions for a very long time. Always first class service – efficient and professional – highly recommend.

Hayley Henry

Can’t recommend Karl enough, he initially got me my first mortgage after years of travelling and the banks saying I’ve been off the radar. I’ve used Karl ever since, getting me the best deal at the time and sorting it out. Thanks

Chris Pendleton

Karl knows his stuff and really great at keeping you in the loop. He has made the process very easy and he is effecient.

Jessica

Helped me buy my first house. Very helpful and efficient service. Would recommend to anyone looking to get a mortgage.

Tom Sawyer

Specialist Solutions for Zero Deposit Borrowing

Securing a mortgage without a deposit requires specific underwriting and specialist lender relationships. The most common form today is a Guarantor Mortgage, where a close family member (such as a parent) uses their savings or property as collateral against a portion of your loan. This mitigates risk for the lender, allowing them to lend 100% of the purchase price. We specialise in packaging these complex applications correctly, liaising with both the borrower and the guarantor to achieve a stress-free outcome.

Common Questions Around No Deposit Mortgage

Are there genuinely No Deposit Mortgages available in the UK?

Yes, but they are rare and have strict criteria. They are often structured as guarantor mortgages, where a family member uses savings or home equity as security, or specialist products based on your rental history.

What is the main requirement for a 100% LTV mortgage?

The key requirement is always affordability and a perfect credit history. Many specialist products demand proof that your proposed mortgage payment is equal to or less than your current monthly rental payments.

Does a no deposit mortgage have a higher interest rate?

Generally, yes. Because the lender is taking on more risk, the interest rates for $100\%$ LTV products are usually higher than for a mortgage with a 5% or 10% deposit. We compare all options to find the best overall deal.

Why Pick Us For No Deposit Mortgage

At KB Mortgage Solutions, we understand that saving a deposit can be the hardest part of buying a home. We are experts in the niche market of No Deposit Mortgages and specialist 100% LTV lending. We access exclusive products—like the Track Record Mortgage and Family Support schemes—from lenders who focus on affordability over capital. Our advice is fully FCA-regulated and tailored to explore every avenue for you to buy a home without a deposit, ensuring you understand the risks and criteria involved.

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Free Consultation

Do you need a mortgage without a traditional deposit?
Are you considering a guarantor or family-assisted mortgage scheme?
Can you prove a strong track record of paying rent on time?
Are you worried about negative equity with a 100% LTV product?

For a completely free and confidential discussion, complete this form to send us your details. We’ll get back to you within a few hours to discussion your unique situation and how we might be able to help.

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