Whether you’re buying your first home, moving house or remortgaging, HTG Mortgages is here to make the process as simple and stress-free as possible. I’ll compare mortgages from over 120 lenders, guide you every step of the way and help you find the right mortgage for your circumstances.
HTG Mortgages
No Deposit Mortgage
Last Updated: September 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
Saving a deposit isn’t the only way onto the property ladder. We’ll help you find out if a no deposit mortgage is right for you, comparing 100% mortgage options from across the market and explaining exactly how they work, in plain English.
See if you could buy a home without saving a deposit first
Compare 100% mortgage options, including guarantor and family-backed deals
Get a straight answer on whether you’re eligible, before we apply
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As featured in…
Meet your Advisor
Harry Goodliffe
- FCA Authorised
- Director & Mortgage Advisor
“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”
Let’s Talk About Your Mortgage
No Deposit Mortgage
Answers to the questions we’re asked every day
How does a no deposit mortgage work?
Most no deposit mortgages work by replacing the cash deposit with something else the lender can rely on, such as a guarantor’s savings or property, a family member’s linked savings account, or evidence that you’ve paid rent on time for at least 12 months.
We’ll assess your circumstances against the small number of lenders who offer these products, check which route fits your situation best and handle the application on your behalf from start to finish.
In summary: There’s no single type of no deposit mortgage, so how it works depends entirely on which scheme or lender you use.
Can I get a 100% mortgage in the UK?
Yes, but true 100% mortgages are rare and only offered by a handful of lenders, usually with strict affordability checks, a stable income, a strong credit history and, in many cases, support from a family member.
We’re whole-of-market, so we know which lenders are currently offering no deposit products and can quickly tell you whether you’re likely to be eligible before you apply.
In summary: A 100% mortgage is possible for the right applicant, but it isn’t guaranteed, so an eligibility check with a broker saves you time.
What is the Skipton Track Record Mortgage?
The Track Record Mortgage lets renters borrow up to 100% of a property’s value based on 12 months of on-time rent and household bill payments, rather than requiring a cash deposit.
We’ll check whether your rental payment history meets the criteria, help you gather the evidence the lender needs and manage the application so you can move from renting to owning without saving a deposit first.
In summary: If you’ve got a solid track record of paying rent on time, this could be one of the most accessible no deposit routes onto the property ladder.
Do I need a guarantor for a no deposit mortgage?
Not always, but many no deposit mortgages do require a guarantor, typically a parent or close family member, who agrees to cover the mortgage payments or offer their savings or property as security if you’re unable to.
We’ll explain exactly what your guarantor would be agreeing to, including the risks involved, so both of you go into it with a clear understanding before any paperwork is signed.
In summary: A guarantor isn’t essential for every no deposit product, but it does open up more options if you have someone willing and able to support your application.
What is a family springboard mortgage?
A family springboard mortgage lets a parent or relative place a lump sum, usually around 10% of the property price, into a linked savings account for a set period, typically five years, instead of you providing a deposit yourself.
We’ll help you and your family understand how the savings are held, when the money is released, and what happens if repayments are missed, so there are no surprises further down the line.
In summary: It’s a popular way for family to help without gifting money outright, though their savings are tied up until the term ends.
Are no deposit mortgages more expensive than standard mortgages?
Generally, yes. Because you’re borrowing the full value of the property, lenders see no deposit mortgages as higher risk, so interest rates and monthly repayments tend to be higher than deals with even a small deposit.
We’ll show you exactly how the numbers compare against saving a small deposit first, so you can make an informed decision rather than assuming a no deposit route is automatically the cheaper or faster option.
In summary: A no deposit mortgage can get you on the ladder sooner, but it’s worth understanding the extra cost before you decide it’s right for you.
We’ll also deal with the paperwork, liaise with the lender, keep your application moving and answer any questions you have along the way, making the whole process less stressful.
In summary: A mortgage broker can save you time, compare more lenders and provide support throughout the entire home-buying process.
What are the risks of a no deposit mortgage?
The main risk is negative equity. If house prices fall after you buy, you could owe more on your mortgage than your home is worth, which can make it harder to move or remortgage until prices recover.
We’ll walk you through these risks honestly, including what they’d mean for your specific situation, so you’re making the decision with your eyes open rather than being sold a product that isn’t right for you.
In summary: No deposit mortgages can work well for the right buyer, but they carry more risk than a standard mortgage and deserve proper consideration.
What credit score do I need for a no deposit mortgage?
There’s no fixed number, but lenders offering no deposit mortgages tend to look for a strong, consistent credit history, no missed payments, and clear evidence you can comfortably manage the monthly repayments.
We’ll review your credit profile with you before you apply, flag anything that might affect your eligibility and suggest ways to strengthen your application if needed.
In summary: The stronger your credit history, the more no deposit options are likely to be available to you.
How long does it take to get a no deposit mortgage?
No deposit mortgages can take longer to arrange than standard mortgages, as lenders carry out more detailed affordability and eligibility checks, and guarantor or family-linked products often involve extra paperwork.
We’ll manage the whole process for you, chase documents where needed and keep you and any guarantor updated throughout, so the application moves as quickly as it realistically can.
In summary: It varies by lender and product, but starting with a broker who knows the no deposit market well can help avoid unnecessary delays.
What is a no deposit mortgage?
A no deposit mortgage, also known as a 100% mortgage, lets you borrow the full value of a property without putting down a cash deposit. They work differently to standard mortgages, often relying on a guarantor, family savings, or proof of a strong rental payment history instead of a lump sum.
We’ll talk you through which no deposit options you may realistically qualify for, compare them against low-deposit alternatives, and make sure you understand exactly how each one works before you commit.
In summary: No deposit mortgages exist, but they’re specialist products with specific eligibility criteria, so it’s worth getting advice before assuming you qualify.
Book a Call
Fill in the form, and I’ll get back to you personally (usually within 2 hours). No call centre, no obligation, and no impact on your credit score. Just clear guidance from Harry at HTG Mortgages.
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Our Commitment to You
At HTG Mortgages, we are committed to helping you achieve your homeownership dreams. We pride ourselves on our transparent, customer-focused approach and our dedication to providing the highest level of service. Your satisfaction and peace of mind are our top priorities. That’s why so many turn to us for guidance on first-time buyer mortgages in Hampshire and Dorset.
Book Your Free Chat
Ready to take the first step towards owning your first home and work with the best lenders for first-time buyers? Book a free chat with Harry today. We’ll guide you through the mortgage process, weigh up your options and find a mortgage that fits. HTG Mortgages will be with you all the way to owning your home.
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
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