No Deposit Mortgages: Get on the Ladder Without Saving a Deposit.
Saving a deposit is the biggest barrier for many buyers. Access specialist 100% LTV products and family-assisted schemes from 100+ lenders, with expert guidance to help you buy without a deposit.
Your home may be repossessed if you do not keep up repayments on your mortgage.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Whole of Market Access*
Including specialist adverse credit providers
What is a No Deposit Mortgage?
A no deposit mortgage (also called a 100% mortgage) covers the entire purchase price, meaning no personal upfront funds are needed. Specialist products have re-emerged through family assistance, a charge on a relative's property, or specific lender schemes. These mortgages carry higher interest rates and specific eligibility criteria, but offer a genuine route onto the property ladder. As a specialist mortgage broker, we structure these applications correctly from the outset.
Specialist Packaging
No deposit applications require precise structuring. We ensure every detail meets the lender's criteria before submission.
Family Liaison
Where a guarantor or family support is involved, we guide both parties through the process clearly and efficiently.
Why Choose KB Mortgage Solutions
- ✓Whole-of-market access including specialist adverse credit providers not found on comparison sites
- ✓FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
- ✓£295 fixed fee — payable on application — never upfront
- ✓Property Membership Guarantee — all future like-for-like remortgages arranged free
- ✓Speak directly to Karl — one dedicated adviser, not a call centre
- ✓No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
- ✓UK-wide service by phone and online — no need to travel
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
Access to Whole of Market
We search every major UK lender plus specialist providers to find you the very best deal for your exact circumstances — including rates unavailable on the high street.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
How Can You Buy Without a Deposit?
True 100% mortgages are limited, but several specialist routes exist. We assess your circumstances and identify which options are genuinely available to you.
Guarantor Mortgages
A family member uses their savings or property as security, allowing the lender to offer 100% of the purchase price. Their asset is held as collateral and released once you have built sufficient equity.
Family Offset / Springboard Schemes
A family member deposits a set amount into a linked savings account for a fixed period, typically 3 to 5 years. You borrow 100% and the savings are returned with interest once the term completes.
Track Record Mortgages
Some specialist lenders assess your rental payment history as evidence of mortgage affordability. If you have consistently paid rent at or above the mortgage level, certain 100% LTV products may be available.
Gifted Deposit Alternatives
If a family member can gift funds but not enough for a full deposit, combining a smaller gift with a 95% LTV product can achieve a similar outcome. We find the most competitive rates at your available deposit level.
Shared Ownership
Shared Ownership lets you buy a share of a property (typically 25–75%) with a much smaller deposit on that share. For some buyers this is a more affordable route than a 100% LTV product.
Right to Buy
Council and housing association tenants may be eligible for a discount on the market value, which can act as a deposit. We arrange the mortgage to work alongside your Right to Buy discount.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Should I Wait to Save or Explore No Deposit Options?
Waiting to save a deposit is the traditional route — but it isn't always the best financial decision when property prices and rent are both rising.
- ✓Property prices may rise while you save — meaning your target deposit keeps moving further away
- ✓Rent builds no equity, while mortgage repayments increase your ownership from day one
- ✓100% LTV products and family-assisted schemes are available now, but product availability changes
- ✓Once you have built equity, we remortgage you onto better rates free through our Life-Time Guarantee (subject to terms)
Your home may be repossessed if you do not keep up repayments on your mortgage.
No Deposit vs Standard Mortgage
A clear side-by-side comparison
| Feature | Standard Mortgage | No Deposit Mortgage |
|---|---|---|
| Deposit Required | 5–25% typically | None (100% LTV) |
| Family Support | Not usually required | Typically required (guarantor/savings) |
| Interest Rate | Standard rates | Higher initially |
| Lender Availability | Most high street banks | Specialist lenders only |
| Eligibility Criteria | Standard affordability | Additional criteria (rent history, guarantor) |
| Future Remortgage | Standard fees apply | Free via KB Guarantee† |
KB Mortgage Solutions Life-Time Guarantee is subject to terms and conditions. Available on like-for-like remortgages on the same property. Ask for full details.
Karl Burns — Specialist Mortgage Adviser
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.
Over 100 Five-Star Google Reviews
Most of our clients come from recommendations — a testament to the service Karl provides.
Your Questions Answered
Got questions? We've got answers. If you need more detail, we're just a phone call away.
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Learn MoreYour home may be repossessed if you do not keep up repayments on your mortgage.
Get in Touch — It's Free
A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.
- ✓No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
- ✓Speak directly to Karl — not a call centre
- ✓£295 fixed fee — payable on application — never upfront
- ✓UK-wide service by phone and online