Deposit
UK Mortgages by Deposit Situation
From no-deposit Track Record products to gifted and concessionary routes, the lender pool shifts dramatically based on where your deposit comes from and how large it is.
Deposit questions
100% LTV (no-deposit) mortgages
Skipton Track Record plus JBSP / Springboard routes — see who offers true 100%.
Read the answerNon-family gifted deposit
Most lenders limit gifts to family. See the minority who accept friend / employer / charity.
Read the answerConcessionary purchase (family below-market sale)
Family selling below market — the difference counts as your deposit.
Read the answerWhat lenders look at
Three deposit factors drive acceptance:
- Size of deposit — bigger deposit = more lenders, better rates, and usually a smoother underwrite. 15% is the threshold where many mainstream lenders open up fully.
- Source of deposit — own savings, family gift, non-family gift, inheritance, concessionary equity, property equity. Each has a different lender pool and evidence requirement.
- Anti-money-laundering evidence — lenders must evidence where your deposit came from. Recent large transfers need a paper trail.
Check your affordability
See what all 60+ UK lenders would offer for your deposit size + source combination.
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