100% Mortgages
No deposit? A handful of lenders and schemes offer 100% mortgages — but they come with conditions. We'll explain your options and find the right route for you.
Can You Get a 100% Mortgage in 2026?
True 100% mortgages — where you borrow the entire property value with no deposit — are very rare in the UK market. However, several routes effectively achieve the same outcome: guarantor mortgages where a family member's savings or property secures part of the loan, 100% gifted deposit mortgages, and some profession-specific schemes. These options let you buy without using your own savings.
- Guarantor mortgage options (family savings or property as security)
- 100% gifted deposit accepted by some lenders
- Profession-specific schemes for NHS, teachers, police
- Shared Ownership with minimal deposit requirements
- 100% fee-free expert advice on all no-deposit routes
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Guarantor Mortgages (Effective 100%)
The most common route to a no-deposit mortgage is a guarantor scheme. A family member either places savings in a linked account (typically 10% of the property value) for 3–5 years, or offers their own property as additional security. You borrow 100% of the purchase price, and the guarantor's savings or equity covers the lender's risk.
100% Gifted Deposit Mortgages
Some lenders will accept a deposit that's entirely gifted by a family member. While technically you're putting down a deposit, the money isn't yours — so from your perspective, it's a no-savings mortgage. Not all lenders accept 100% gifted deposits, but we know which ones do.
Professional & Scheme-Based Options
Certain profession-specific mortgage schemes allow qualifying professionals to borrow at higher LTVs or with reduced deposits. Additionally, Shared Ownership lets you buy a share of a property with a deposit of just 5% of the share — which could be as little as £1,500–£3,000 on a 25% share.
Why 100% Mortgages Are Risky
Borrowing 100% means you have no equity cushion. If property prices fall even slightly, you could be in negative equity — owing more than the property is worth. This makes it difficult to remortgage or sell without making a loss. Consider whether a small deposit (even 5%) would give you better security and rates.
100% Mortgages — FAQs
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