The Skipton Track Record mortgage is one of the most talked-about 100% schemes for first-time buyers. Its central idea is simple: if you have reliably paid rent for at least 12 months, that proven track record replaces the need for a saved deposit.
How it works
You borrow 100% of the property's value. Instead of assessing a deposit, Skipton looks at your rental history — typically 12 months of on-time payments — alongside your income and credit file. The monthly mortgage payment must be in line with what you have been paying in rent, demonstrating affordability.
Who qualifies
You will generally need to be a first-time buyer, with a clean credit history, a consistent rental track record of at least 12 months, and an income that supports the borrowing. You do not need a guarantor.
Using it on a new build
The scheme can be used on qualifying properties, including selected new builds. New build valuations can be more cautious, so we check the lender is comfortable with the specific development and build programme before you reserve.
How to apply
We handle the whole application on your behalf — gathering your rental evidence, preparing the affordability assessment, and managing the lender through to offer. Book a free consultation and we will tell you honestly whether the Track Record mortgage fits your circumstances.
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