Updated October 2026 · Fraser Bond
Buying · Deposits
Buying with no deposit
100%mortgages (few)
Familyassisted
Gifteddeposits
Risksnegative equity
In short: A small number of lenders offer 100% mortgages, usually with strict criteria such as a strong rent payment history. Other routes include family-assisted mortgages, where a relative provides security or savings, gifted deposits with a gift letter, and shared ownership with a small deposit on your share. Borrowing 100% leaves no buffer if prices fall, and rates are usually higher. A broker can tell you what's currently available. Fraser Bond can help you rent while you save or find a home to buy.
| Option | Key points |
|---|---|
| 100% mortgage | Few lenders; strict criteria |
| Family-assisted | A relative's savings or property as security |
| Gifted deposit | Gift letter required |
| Shared ownership | Buy a share with a small deposit |
Low or no deposit options
Frequently asked questions
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Are 100% mortgages available?
A few lenders offer them, with strict criteria.
What are the risks?
Negative equity and higher rates.
Can Fraser Bond help?
Yes, with renting while you save or finding a home.
