No Deposit Mortgages

Product code TM080 (£0 product fee, £0 cashback), repriced on 21 July 2026 and fixed to 30 November 2031. Applicants must be at least 21 years old, be first-time buyers (or not have owned UK property in the last 3 years), and provide 12 consecutive months of flawless rental payments within the preceding 18 months.

The 150% rent rule is a ceiling, not an entitlement. Skipton will in some circumstances lend up to 150% of the mean average rent over the last six months, but full affordability assessment and the 4.49x income cap still govern what you are actually offered. There is no higher income multiple for larger earners - 4.49x applies across the board.

You must also demonstrate 12 months of household bill payments without default and have zero missed payments on any credit commitments in the last 6 months. Skipton accepts applicants with EU Settlement Scheme status, both settled and pre-settled.

No arrangement, completion, or product fees on the current Track Record products. Minimum loan £5,000, maximum £600,000. Maximum term is 40 years. Capital and interest repayment only.

Available in England, Wales, and Scotland. Unlike the other 100% LTV lenders, Skipton's Track Record accepts both new-build houses and new-build flats at 100% LTV, as well as pre-owned flats. Developer incentives worth more than 2% of the purchase price are not acceptable.

Applicants must be at least 23 years old, with the mortgage clearing before age 80, and must have at least 6 months' service in their current employment. Strictly for first-time buyers, though in joint applications only one applicant must be a true FTB.

Melton publishes no loan-to-income multiple. Rather than applying a fixed cap it assesses each case on its own affordability, so any multiple you see quoted for Melton - including in our calculator - is an estimate rather than a lender rule.

Product code GF004, fixed to 30 September 2031 then reverting to Melton's 8.14% SVR. The early repayment charge steps down 5/4/3/2/1%, each band running to 30 September of that year. Maximum term of 40 years. Minimum loan of £25,000, maximum of £500,000. Minimum property value of £90,000.

Purchase only, capital and interest only - no remortgage and no interest-only. The £199 application fee is non-refundable, and the £199 cashback is a separate payment made within 30 days of completion.

England and Wales only - Scotland is completely excluded. Total prohibition on all flats, maisonettes, and new build properties. Must be standard freehold houses or bungalows of traditional construction.

Backed by Dutch asset management conglomerate DMFCO. Targets high-earning professionals with strong monthly income but no savings. Minimum household income of £24,000. APRC is 7.12% on the 10-year fix and 7.27% on the 15-year.

Applicants must be under 70 at application with the mortgage clearing before age 80. LTI is strictly capped at 4.49x gross income.

Non-refundable application fee of £195 plus a £995 completion fee. At 100% LTV the completion fee cannot be added to the loan - you must pay it separately. Valuation is free for properties up to £1 million.

The early repayment charge ladder applies to refinancing only. There is no charge if you move home, overpay, or repay from your own funds.

Loans run from £50,000 to £600,000 on properties valued between £75,000 and £2 million, rising to £2.5 million in Greater London. Note that the £2.5 million figure is a maximum property value, not a maximum loan.

England and Wales only - April Mortgages does not lend in Scotland. Absolute ban on flats, maisonettes, and all new build properties. Must be an established house.

How it works: a spouse, parent, grandparent, child or grandchild joins the mortgage as a joint borrower. Their income counts towards affordability and they are jointly liable for the full debt, but they are not named on the title deeds - you own 100% of the property. Because the joint borrower does not own the property, they do not trigger the stamp duty surcharge that a conventional joint purchase would.

Who it is for: first-time buyers and home movers whose family can support them with income rather than a gifted deposit, and separated partners who need to keep the family home but cannot service the mortgage on their own income alone.

Product code R09214 covers purchase and pound-for-pound remortgage; the existing-customer rate-switch variants R09239 and R09240 are priced identically. The rate is 6.99% fixed for 5 years with an APRC of 7.4%, reverting to Metro Bank's 7.25% SVR. There is no product fee and no valuation fee.

Loans run from £50,000 to £675,000 on properties valued at £75,000 or more. The term is 5 to 35 years, capital repayment only, with up to four applicants - the third and fourth must also be immediate family.

Joint borrower requirements: they must be immediate family, must already be residential homeowners, must have a combined income of at least £75,000 a year plus demonstrable disposable income, and must take independent legal advice before proceeding. The main borrower cannot own any other property on completion.

Property and region: England, Wales and Scotland only - no Northern Ireland, and the Scottish island postcodes HS, KW and ZE are excluded. No new builds, no flats above commercial premises, minimum 99-year lease, standard construction only.

The key risk: your family member is fully jointly liable for the mortgage. If you cannot pay, Metro Bank can pursue them for the whole debt, and the commitment will appear on their own credit file and affect their future borrowing. The rate is also materially higher than Skipton's or Hanley's, so this route makes sense where family income is available but family cash is not.