Tembo Mortgages logo

Buy a home HoverArrow

Remortgage HoverArrow


Purchase HoverArrow

Remortgage HoverArrow

Buy to Let HoverArrow

Increase your affordability HoverArrow

With a guarantor

Increase your affordability HoverArrow

Without a guarantor

NEW: long-term fixed rate

Fix your interest rate for up to 40-years and increase your borrowing to 6x income. Rates from 5.69%

Learn more
Discover all our mortgage schemes

Lifetime ISA HoverArrow

Latest Articles HoverArrow


Save with the market-leading rate

Open a Cash Lifetime ISA today and earn 4.30% AER (variable) interest on your savings. Over 5-years, you’ll have £600 more in your pocket than with the closest market competitor.


Latest articles HoverArrow


Buy a home HoverArrow

Remortgage HoverArrow

Mortgage loginGet a mortgage
Skipton's 100% Mortgage

On your own

Buy a home with no deposit with Skipton's 100% Mortgage

Struggling to save a house deposit? Use your track record of paying rent each month to get a 100% mortgage. Meaning you can stop renting, and start building up equity in your very own home.

See if I'm eligible
British Bank awards 2023 Best Mortgage Broker winner

Discover how much you can really borrow.


You'll need 1-years rental history


Buy a home with no deposit saved


Borrow up to £600k for your first home

How does it work?

If you're currently renting but are struggling to save a house deposit, Skipton Building Society's Track Record Mortgage could be for you.

If you can evidence that you've paid your rent and household bills in full and on-time for 12-months, Skipton will consider lending you the full value of the property - no deposit needed. Like all schemes, Skipton's No Deposit Mortgage is subject to affordability and credit score checks.

Create my Tembo plan

Why Tembo?

We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.


Things to consider

All mortgages have risks and benefits. Here are some key factors you should know before applying for Skipton's Track Record Mortgage.


What are the benefits?

Buy a home with no deposit

With Skipton's 100% Mortgage scheme, you can get a mortgage without having any savings in the bank. If you do have a deposit, it must be less than 5% of the property purchase price - this includes any gifted deposits.

Get on the ladder sooner

On average, it takes a buyer almost 10 years to save up for a house deposit, and with the cost of renting rising - it's only getting harder to save. With Skipton's Track Record Mortgage, you could buy your first home without having to spend years saving up for a deposit.

Buy with another renter

If you've been renting separately, you can still apply for Skipton's Track Record Mortgage together providing you've both been paying 100% of the rent & bills in your rentals.

Start building up equity

Providing the home you buy doesn't go down in value, you'll begin to build up equity as you make your monthly mortgage repayments. Research shows you'll be £350,000 better off over a 30 year period by becoming a homeowner vs someone that rents.

Risks and considerations

You could end up with negative equity

Because you are not putting in any or very little downpayment, there is a much higher risk of ending up with negative equity - this is when you owe more to your mortgage lender than the home is worth.

You might not be able to borrow what you need

Skipton will look at your 6-month average rental payments to determine how much you can borrow. They'll compare that to your affordability using their regular calculator. Whichever number is lower is the amount they'll lend.

It's not suitable for housesharers

You'll need to demonstrate that you've consistently paid all of the rent & household bills for at least 12 months in a row during the last 18 months. This means people renting in a house share are not eligible for this scheme, neither are couples who lived together but are now splitting up.

You cannot buy a new build flat

New build flats are not eligible to be bought using Skipton's 100% Mortgage scheme (new build is classed as anything new or converted in the last 3 calendar years). However, new build houses are acceptable.

Got questions? We've got answers

See all FAQs

Frequently asked questions

See all FAQs

The application process

Get into your very own home in 4 simple steps


Make a Tembo plan

In under 10-minutes, we’ll check your eligibility for Skipton's 100% Mortgage, as well as our other buying schemes. Plus, you’ll get a personalised recommendation including interest rates and repayments.


Talk to an expert

Book a call with our mortgage experts to complete the qualification process. We’ll cover any questions you might have about Skipton's 100% Mortgage and any other schemes.


Apply for a mortgage

Once you’ve found a property, your dedicated advisor will undertake full affordability and submit a Decision in Principle with your chosen lender. Once accepted, we’ll submit a full mortgage application for you.


Make home happen

During the conveyancing process, we’ll liaise with the developer or seller and your solicitors to ensure a smooth purchase. We’ll also provide a free insurance protection review, so you’re covered if the unexpected happens.

Similar schemes

Explore our other schemes to discover alternative ways to buy

See all schemes

On your own

Deposit Unlock

Purchase a new build home from a participating home builder with just a 5% deposit.

See details

Family Remortgage

Deposit Boost

Unlock a gifted deposit from a loved one’s property to create a house deposit from scratch or top up your existing deposit.

See details

Part buy part rent

Private Shared Ownership

Buy a share of a home, and pay rent on the rest. Over time, you can staircase to full ownership.

See details

Learn more

Confused about mortgages? Read our guides for expert tips on saving, buying and the market.

See all guides

Other mortgage schemes

You can be snug in your very own home in 4 simple steps


Standard Mortgage

Right to buy

Self Employed

Tier 2 Visa

Deposit Unlock

Armed Forces Help To Buy

Shariah mortgage

Increase your affordability

With a guarantor