What is Mclains Residential?

Mclains Residential — new build property specialists & mortgage experts across Bedfordshire, London & the South East, including 100% no-deposit mortgages.

Can I get a mortgage with no deposit?

Yes — through 100% mortgage schemes from Gable, April and Skipton. Eligibility depends on your circumstances, including a clean credit history and, for Skipton's Track Record mortgage, a 12-month history of paying rent on time.

Can I get a 100% mortgage on a new build?

Yes, on selected new builds. The Gable and April 100% schemes can be used on qualifying new build properties, opening first-time buyers with no deposit to new build stock.

Do you charge a fee for mortgage advice?

We confirm any fees at your free initial consultation. Many of our mortgages are paid via lender commission with no fee to you, while complex cases may carry a broker fee. You always know the cost before you commit.

How long does a mortgage application take?

Typically two to four weeks from application to offer. New build applications timed to handover may run longer by design. We keep you updated at every stage and chase the lender on your behalf.

Can I really get a mortgage with no deposit?

Yes — through 100% mortgage schemes such as Gable, April, and Skipton's Track Record mortgage. Eligibility depends on your circumstances, including a clean credit history and a strong rental or savings track record. We'll tell you honestly whether you qualify.

How do new build mortgages differ from standard mortgages?

New build mortgages work the same way but lenders apply stricter valuations — new builds can be valued slightly below the purchase price, which affects your loan-to-value. We know which lenders are comfortable with new build properties and how to structure the application around the build programme.

What is a Mortgage in Principle and do I need one?

An Agreement in Principle (AIP) is a lender's indication of how much they may lend you, based on a soft credit check. It's not mandatory, but it shows sellers and agents you're a serious buyer and can speed up your offer being accepted.

MclainsResidentialMortgages

Mortgage Advisory

Mortgages that move you forward

From 100% no-deposit mortgages to specialist schemes — we find the right lending for your circumstances, then support you all the way to completion.

Book a consultation Mortgage calculator

Whole of Market

We search the entire UK mortgage market

Not tied to any one lender — we find the deal that fits your circumstances.

Whole-of-market advice — not tied to one lender

Access to exclusive 100% mortgage schemes

Specialist knowledge of new build financing

Initial consultation, no obligation

Specialist Schemes

Mortgage schemes you won't find everywhere

We have access to exclusive and specialist lending routes — including 100% mortgages — that most high street brokers simply can't offer.

100% Mortgage

No Deposit

No deposit required. Gable offers 100% mortgages on both standard and new build flats and houses — ideal for buyers with strong income but no savings built up.

100% Loan-to-Value — zero deposit
Available on new builds
Income-led affordability assessment
Perfect for first-time buyers

100% Mortgage

No Deposit

April's No Deposit mortgage is designed to help you get the keys without years of saving. Your rate automatically drops as you pay off more — no gimmicks, no strings.

100% Loan-to-Value
Rate drops as you pay off more
10 or 15 year fixed rates available
Strong credit, stable income

100% Mortgage

No Deposit

A 100% LTV mortgage for first-time buyers who can demonstrate a strong track record of paying rent on time for at least 12 months. Your rental history replaces the need for a deposit.

100% Loan-to-Value
12 months proven rental history
First-time buyers only
No deposit required

Not sure which scheme fits? Our mortgage team will assess your circumstances and match you to the right lender — no obligation, no jargon.

Book your initial consultation

How We Support You

From first conversation to front door key

We don't just find you a mortgage — we guide you through the entire process, with the option to use our trusted solicitor partner, Law and Lawyers Solicitors, for the legal work.

Initial Consultation

We review your income, deposit, and goals — no obligation. This can be in person, by phone, or video call.

We Search the Market

Our team searches the whole market — including specialist schemes like 100% mortgages — to find the right deal for you.

Application & Approval

We handle the paperwork, submit your application, and manage the lender through to approval — and can refer you to our trusted solicitor partner, Law and Lawyers Solicitors, for the legal work.

Initial Consultation

We review your income, deposit, and goals — no obligation. This can be in person, by phone, or video call.

We Search the Market

Our team searches the whole market — including specialist schemes like 100% mortgages — to find the right deal for you.

Application & Approval

We handle the paperwork, submit your application, and manage the lender through to approval — and can refer you to our trusted solicitor partner, Law and Lawyers Solicitors, for the legal work.

Get Started

Book your initial consultation

Trusted Testimonials

What our mortgage clients say about working with us.

Ann Dap

He has honestly made the mortgage process a lot easier, with immediate responses and quickly answered questions he remained professional and efficiently throughout . Would definitely recommend

yasemin ibrahim

Ravi was brilliant in dealing with our Mortgage. I would definitely recommend Ravi. Ravi is our Mortgage broker for life.

jonny marsh

Absolutely amazing service, couldn't have asked for any more from him. I have a large default and had a contact a specialist at the cost of £1100 and Ravi come back from a better rate and mortgage product, and even managed to get us a further rate deduction before closing. I would highly recommend and I will be using his services again.

Michael Gunadi

We had a great experience with Ravi – super helpful, always responsive, and found us a fantastic deal. Thanks for all of your help! Would absolutely

Lauren Faulds

As first-time buyers, we were initially overwhelmed by the mortgage process, but Rav made everything so simple and straightforward. He guided us through every step with patience and professionalism, answering all our questions and ensuring we felt confident and informed throughout. Rav's expertise and attention to detail were invaluable, and he made what could have been a stressful experience feel smooth and manageable. We couldn't have done it without him and are so grateful for his help. Highly recommend his services to anyone looking for a mortgage broker who truly cares about their clients!

Felix Meis

Ravi is amazing, we have been in a meeting, and he explain me all the process, also he answer me all my questions. Very professional, thanks Rav

J Hub

Ravi was exceptional. Very attentive, knowledgeable and was able to help us secure our mortgage quickly before the March stamp duty deadline. Would

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Questions

Frequently asked

See all mortgage FAQs

Guides & Insights

Mortgage guides to help you decide

Deposits

What Deposit Does a First-Time Buyer Need in 2026?

From zero to 5% — the deposit you need as a first-time buyer depends on the scheme. Here is a clear guide to your options in 2026.

4 min read

100% Mortgages

100% Mortgages Explained: Can You Really Buy a Home With No Deposit?

Yes — through schemes from Gable, April and Skipton, qualifying buyers can purchase with no deposit at all. Here is how 100% mortgages work and who qualifies.

5 min read

100% Mortgages

The Skipton Track Record Mortgage: A First-Time Buyer's Guide

Skipton's Track Record mortgage turns your rental history into a deposit substitute. Here is how it works, who qualifies, and how to apply.

4 min read

First-Time Buyers

A First-Time Buyer's Guide to New Build Homes

Everything a first-time buyer needs to know about buying a new build — from reservation to handover, warranties to incentives, and why it might be the smartest move you make.

7 min read

Mortgages

Mortgage in Principle Explained: What It Is and Why It Matters

An Agreement in Principle shows sellers and agents you are a serious buyer. Here is what it is, how to get one, and when you need it.

4 min read

Mortgages

100% Mortgages Explained: Buying With No Deposit

No-deposit mortgages are back. Here's how 100% LTV deals from lenders like Gable, April and Skipton work, who qualifies, and whether one is right for you.

6 min read

Schemes

Help to Buy Is Gone: What Replaces It for First-Time Buyers

With Help to Buy ended, first-time buyers still have strong options — from 100% mortgages to 95% loans and developer incentives. Here is what replaces it.

5 min read

Schemes & Deposits

Deposit Schemes Explained: Help to Buy and Beyond

From Lifetime ISAs to shared ownership and the new First Homes scheme, here's a plain-English guide to the deposit help actually available to buyers right now.

6 min read

Mortgages

Getting Mortgage-Ready: What Lenders Actually Check

Before you start viewing, make sure your finances are mortgage-ready. Here's what lenders really look at — and the simple steps that can improve your chances.

5 min read

Mortgages that move you forward

We search the entire UK mortgage market

Mortgage schemes you won't find everywhere

100% Mortgage

100% Mortgage

100% Mortgage

From first conversation to front door key

Initial Consultation

We Search the Market

Application & Approval

Initial Consultation

We Search the Market

Application & Approval

Book your initial consultation

Mortgage Enquiry

Trusted Testimonials

Frequently asked

Can I really get a mortgage with no deposit?

How do new build mortgages differ from standard mortgages?

What deposit does a first-time buyer need?

What is a Mortgage in Principle and do I need one?

Mortgage guides to help you decide

What Deposit Does a First-Time Buyer Need in 2026?

100% Mortgages Explained: Can You Really Buy a Home With No Deposit?

The Skipton Track Record Mortgage: A First-Time Buyer's Guide

A First-Time Buyer's Guide to New Build Homes

Mortgage in Principle Explained: What It Is and Why It Matters

100% Mortgages Explained: Buying With No Deposit

Help to Buy Is Gone: What Replaces It for First-Time Buyers

Deposit Schemes Explained: Help to Buy and Beyond

Getting Mortgage-Ready: What Lenders Actually Check