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Zero-Deposit Mortgages: Can You Buy With No Deposit?

A few lenders offer 100% loans, with conditions.

Zero-Deposit Mortgages: Can You Buy With No Deposit? Residential Property Services in London

Updated October 2026 · Fraser Bond

Buying · Deposits

Buying with no deposit

100%mortgages
Renttrack record
Guarantoroptions
Negativeequity risk
In short: A small number of UK lenders offer 100% mortgages, often for renters who can show a record of paying rent on time, and family-backed or guarantor mortgages can also remove the need for a cash deposit. Rates are usually higher and the loan size is limited by income. Borrowing the full value increases the risk of negative equity if prices fall. Alternatives include shared ownership, the Lifetime ISA bonus and 95% mortgages. Speak to a mortgage broker.

Frequently asked questions

Can I buy with no deposit?

Sometimes, with a 100% or guarantor mortgage.

Is it risky?

Yes, there's more negative equity risk.

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