Looking for a no deposit mortgage?
Struggling to save? Discover how you could buy a house with zero or small deposit through 100% mortgages, guarantor options, and family-supported schemes.
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Saving up for a deposit is tough - it can often takes years to save up a house fund. If you’re struggling to put money aside for a house deposit, don’t worry. There are plenty of buying schemes out there that help you get a mortgage - even with a small deposit, or no deposit put aside.
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.
Buy with help from loved ones
Deposit Boost
If you have a family member or friend whose a homeowner and wants to help you buy, they can use a Deposit Boost to unlock money from their property. The proceeds will be added to your house deposit, or can be used as your entire down payment.
Savings as Security
If you have a loved one with cash savings who'd like to help, they can deposit them into a special account held by the lender as security for the mortgage. This means you won't have to put down any deposit, and your loved one will get their savings back after a set term, as long as you make your mortgage repayments.
Boost your affordability without family support
Skipton's Track Record Mortgage
Use your track record of paying rent each month in lieu of a deposit to get a 100% mortgage. So you can stop renting, and start building up equity in your a home of your own.
Deposit Unlock
Get on the ladder sooner, even with a small deposit by buying a new-build property from a participating home builder with just a 5% house deposit.
Professional Mortgages
If you work in a professional job, you could borrow up to 5.5x your income, boosting your max borrowing capacity by 20%. Plus, you only need a 5% deposit as long as you're buying a pre-owned home.
5.5x Income Mortgage
Borrow up to 5.5x your household income to increase your total borrowing budget by 20%. Plus, you only need a 5% deposit as long as you're buying a pre-owned home.
Forces Help To Buy
If you are a serving military personnel, borrow up to 50% of your annual salary as an interest-free loan to top up your house deposit, pay solicitor and estate agent fees or fund renovations on a property.
Private Shared Ownership
If you're struggling to build up a house deposit, purchase a share of a property instead through a private Shared Ownership scheme. Because you're only buying a share of the home, the amount you need for a deposit is significantly less.
Government Shared Ownership
If you're struggling to build up a house deposit, purchase a share of a property instead through the government's Shared Ownership scheme. By buying a share of the home, the amount you need for a house deposit is substantially less.
Key Worker or NHS Mortgages
Whether you're a firefighter, doctor, nurse or teacher, you could borrow up to 6.5 times your salary with an NHS or Key Worker Mortgage to significantly increase your total buying budget.
Check out today's best mortgage rates
See the best possible mortgage rates today from our panel of over 100 mortgage lenders on our comparison page. For personalised live rates, create a free Tembo pan.
The interest rates shown are an indication only and are not guaranteed. Current rates may have changed by the time you come to apply.
The application process
4 simple steps to getting the keys to your new home
Make a Tembo plan
Check your eligibility for a range of low or no deposit mortgage schemes, and get a personalised recommendation with interest rates and repayments in under 10-minutes.
Talk to an expert
Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about any of the budget boosting schemes we advise on.
Find a property
Once you’ve found a property, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!
Make home happen
During conveyancing, we’ll liaise with the seller and your solicitors to ensure a smooth purchase. We’ll also provide a free protection review for your insurance needs.
