No Deposit Mortgages – Yes, It’s Possible
Most people think you need a 5–10% deposit to buy your first home.
The truth?
There are a couple ways to buy with little or even no deposit at all.
On this page, we’ll walk you through the 3 main ways first-time buyers are doing it right now — and how we help you make it happen.
Want To Find Out If You Can Buy With No Deposit ?
Then schedule a no obligation Mortgage Qualification Call. We will confirm you if you need a deposit, how much you could borrow and if you are ready to buy your first home.
Buying Below Market Value
eg Family Sale
Did you know… you might be able to buy a home with no deposit — if you’re buying from family?
If a family member sells you a property below its market value, that discount can act as your deposit.For Example: A £200,000 home sold to you for £180,000 — that £20,000 difference becomes your deposit.
This can really fast track a purchase if you are lucky enough to have a family member or a landlord willing to give you a discount but must be structured properly.
We guide you through it, ensure lenders accept it, and handle everything start to finish
Have you been offered the chance to buy a home under market value ?
If you want to find out if you can buy the property under value with no deposit, call us now just click the call now button ⬇️⬇️⬇️
Or schedule a phone or video call
with one of our team here ⬇️⬇️⬇️
Family-Backed Mortgages
Family-backed mortgages allow deposit-free buying with family support.
How it works:
A family member places savings as security. This is locked away for a set period of time for example 5 years.
You:
- Own 100%
- Pay mortgage normally
Savings are returned later if no arrears on mortgage payments.
How we help:
We select lenders, explain structure clearly, and manage the application.
Find Out If Family Backed Mortgages Can Work For You.
Book A Call One Of Our Team Here ⬇️⬇️⬇️⬇️
Co-Ownership
Co-Ownership helps buyers get on the ladder with little or no deposit.
How it works:
- Buy a share
- Pay rent on remainder
- Increase ownership over time
How we help:
We manage mortgage + Co-Ownership and ensure correct structure. If you want to know more head over to our dedicated co-ownership page by clicking the button below.
Head Over To Our Dedicated Co-Ownership Page
Not Sure Which Option Is Right For You ?
We assess your situation, show your options, and create a clear plan.
Book Your Call Here 👇👇👇