Which UK Lenders Offer 100% LTV Mortgages?
True 100% LTV mortgages are rare but they exist. Skipton's Track Record leads; others are structured via family-assist or guarantor routes that achieve the same effect.
Data refreshed 2026-04-22. Information only — not advice.
Your situation
Building Societies
- Skipton Building Society— Up to 100% LTV
Why some lenders say no
- True 100% LTV is rare — most lenders require at least 5% deposit.
- Family-assist products effectively reach 100% LTV via collateral or booster income.
- Skipton Track Record excludes new builds and requires 12+ months' rental history.
Related reading: 100% LTV & guarantor mortgages compared · How deposit size affects what you can borrow
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Run My Affordability CheckFrequently asked questions
Can I really get a mortgage with no deposit?
Yes. Skipton Track Record is a genuine 100% LTV product for long-term renters with a clean rental history. Family-assist and guarantor products also effectively reach 100%.
What's the rate premium vs a 95% mortgage?
Typically 0.3–1% higher. Over a 5-year fix on £250,000 that's £30–£100/month more.
Does Skipton Track Record accept new builds?
No. The product excludes new builds and properties with short leases. Other 100% routes may have similar restrictions.
Do I need a guarantor for 100% LTV?
Not for Skipton Track Record. All other 100% routes (Barclays Springboard, JBSP, Family Assist) require a family member's collateral or income support.
