Question 1

Can I really get a mortgage with no deposit?

Accepted Answer

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.

Question 2

How does the Skipton Track Record mortgage work?

Accepted Answer

It's a 100% LTV mortgage for first-time buyers who can prove they've paid rent on time for at least 12 months. Your rental history replaces the need for a deposit. You'll need a clean credit file and a strong, consistent rental track record to qualify.

Question 3

What's the difference between Gable and April's 100% mortgages?

Accepted Answer

Both offer 100% LTV with no deposit, but they suit different profiles. Gable assesses on income and affordability, while April rewards you with a rate that drops as you pay off more of the loan. We'll match you to the lender that fits your circumstances best.

Question 4

Do I need a guarantor for a no-deposit mortgage?

Accepted Answer

Not necessarily. The 100% schemes we work with — Gable, April, and Skipton — don't require a guarantor. They assess eligibility on your income, credit history, and in Skipton's case, your rental track record instead.

Question 5

How do new build mortgages differ from standard mortgages?

Accepted Answer

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.

Question 6

Can I get a mortgage on an off-plan new build?

Accepted Answer

Yes. You can reserve off-plan and arrange the mortgage to complete on handover, typically 6–12 months later. We'll time your Agreement in Principle and full application so the offer is valid when the property is ready, and review rates closer to completion if needed.

Question 7

Do developers' incentives affect my mortgage?

Accepted Answer

They can. Some lender incentives — such as paid deposits or stamp duty contributions — are restricted by certain lenders. We'll check which lenders accept the developer's package before you commit, so your incentives don't jeopardise the mortgage.

Question 8

What deposit do I need for a new build home?

Accepted Answer

Most new build purchases need at least 5% deposit, though 100% schemes are available on selected new builds through Gable and April. The exact amount depends on the lender, the property value, and your circumstances — we'll give you a clear figure at your first consultation.

Question 9

What deposit does a first-time buyer need?

Accepted Answer

It ranges from zero to 5% depending on the scheme. 100% mortgages need no deposit, while 95% mortgages start from around £5,000 on a typical first home. We'll show you every option you qualify for, including any government or lender schemes that could reduce your deposit.

Question 10

Can I get a mortgage if I have a small deposit?

Accepted Answer

Yes. With as little as 5% deposit you can access 95% LTV mortgages from a range of lenders, and with no deposit at all you may qualify for a 100% scheme. We'll assess your affordability and match you to the most competitive option for your deposit size.

Question 11

I'm self-employed — can you help?

Accepted Answer

Absolutely. We work with lenders who assess self-employed applicants on their real earnings, not just a standard payslip. Whether you're a freelancer, contractor, sole trader, or limited company director, we know which lenders will look at your full picture.

Question 12

Can I get a mortgage with bad credit?

Accepted Answer

Often, yes. Specialist lenders consider applicants with missed payments, defaults, or CCJs, though it may affect the rate and deposit required. We'll review your credit file honestly and tell you which lenders are most likely to accept your application.

Question 13

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

Accepted Answer

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.

Question 14

How long does a mortgage application take?

Accepted Answer

Typically 2–4 weeks from application to offer, depending on the lender and the complexity of your case. New build applications timed to handover may run longer by design. We'll keep you updated at every stage and chase the lender on your behalf.

Question 15

Do you charge a fee for mortgage advice?

Accepted Answer

We'll 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'll always know the cost before you commit — no surprises.

Question 16

Do you handle the conveyancing too?

Accepted Answer

We refer you to our trusted solicitor partner for the legal work. You deal with one coordinated team — us for the finance, our partner for the legal — so the process stays joined-up from offer to completion.

Answers to the questions buyers ask us most

No Deposit & 100% Mortgages

New Build Finance

First-Time Buyers

The Process

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