Are you stuck in a rental cycle with no deposit saved?
November 13, 2025Are you stuck in a rental cycle with no deposit saved? A 100% mortgage coul
Are you stuck in a rental cycle with no deposit saved? A 100% mortgage could be your answer to homeownership.
No deposit? No problem.
100% mortgages are available, so if you’re stuck in a rental cycle and unable to save for a deposit, this product could be your answer to getting onto the property ladder.
What is a 100% mortgage?
A 100% mortgage is a home loan where the lender finances the entire purchase price of the property, meaning you don’t need to put down a deposit.
For example:
If you buy a property for £400,000, a normal mortgage might require a 10% deposit (£40,000) and the bank lends you the remaining £360,000.
With a 100% mortgage, the bank lends you the full £400,000 - no deposit needed!
This can help you buy a home years earlier, instead of waiting to save up for a deposit, especially when you might be spending a large amount on rent.
Would this work for you?
There are limited lenders that offer this product, and there’s often strict criteria that you’d have to meet to be accepted for a 100% mortgage.
However, if you are renting and have a proven history of paying your rent on time for 12 months, this product could work for you. The banks offering this mortgage will typically lend between 3.5 - 5.5 x household income.
To find out more about 100% mortgages, you can speak to our recommended mortgage advisors, Torc24, who will be happy to help you with a free, no obligation appointment.
Alternatively, speak to one of our friendly sales advisors at your preferred development who would be able to discuss mortgage options with you in more detail.
Park Quarter
Barnet, London
-
No of bedrooms
1-3
-
Price
From £299,000
-
Est. completion date
Summer 2028
Park Quarter is a collection of studio, 1, 2 and 3 bedroom apartments and 3 bedroom duplexes in Barnet, one of London's most desirable areas. Just a 4 minute walk from New Barnet station for National Rail services into Moorgate in less than 30 minutes, with a host of amenities, restaurants and open spaces right on your doorstep.
One Goodmayes
Ilford
-
No of bedrooms
1-3
-
Price
TBC
-
Est. completion date
Available now
Welcome to One Goodmayes, a development of studio, 1, 2 & 3 bedroom apartments enviably located on the High Road, just a 7 minute walk to both Goodmayes and Seven Kings stations, with direct access to the Elizabeth line. This prime location offers unbeatable travel times including a quick 13-minute commute to Stratford, a 21-minute journey to Liverpool Street and under 1 hour to Heathrow Airport. Discover a vibrant community and enjoy the convenience of living in Zone 4, with a range of local amenities within easy reach.
With up to £37,000 in incentives available at Printmakers Yard, including Stamp Duty paid and a generous deposit contribution!
Printmakers Yard
Brentford, London
-
No of bedrooms
1-4
-
Price
From £349,000
-
Est. completion date
Spring 2028
Welcome to Printmakers Yard, where your future is in the making. Nestled in the vibrant community of Brentford Waterside, this development of studio, 1, 2 and 3 bedroom apartments and 4 bedroom triplexes offers a unique opportunity to embrace a dynamic lifestyle in one of West London's most eclectic neighbourhoods.
With its proximity to the river, some apartments at Printmakers Yard boast stunning views of the tranquil waters, providing residents with a serene backdrop to their daily lives. Imagine waking up to the gentle flow of the river and ending your day with breathtaking sunsets over the water – all from the comfort of your own home.
Southall Grove
Southall, London
-
No of bedrooms
1-3
-
Price
From £299,000
-
Est. completion date
Spring 2027
Discover a collection of beautifully designed 1, 2, and 3 bedroom apartments, ready to move into right in the heart of Southall.
Enjoy the best of both worlds with green open spaces like Southall Park just moments away, and the energy of Southall Broadway on your doorstep - famous for its restaurants, street food, and cultural buzz.
With the Elizabeth line offering fast connections into central London, Southall has quickly become one of West London’s most exciting property hotspots, and now’s your chance to be part of it.
Prices start from £299,000 - enquire with our friendly sales team for more information.
Live your true potential
