No Deposit Mortgages
Yes, really. In some cases, you can buy your first home without putting down a single penny. No deposit. Zero. Zilch. These mortgages come with specific conditions, of course, and they’re not suitable for everyone. But many first-time buyers now qualify. We still believe a deposit helps long term, but if saving one feels impossible, this option could get you on the ladder sooner than expected.
The £5,000 Deposit Option
If you do have a little set aside, this could work beautifully. For properties up to £500,000, some lenders only ask for a £5,000 deposit. That’s a game-changer for many first-time buyers. Again, criteria apply. But we’ve seen plenty of clients meet the requirements and move ahead with confidence.Gifted Deposits and More
Not all deposits come from your own savings. Maybe a family member has offered to help. Or perhaps you’ve received money as a gift or inheritance. These are often perfectly acceptable sources for your deposit. The key is honesty. Tell us where your deposit is coming from, and we’ll help you find a lender that’s happy with your situation.Some kind words from our clients
Rachel has been incredible in securing us a mortgage and I cannot recommend her highly enough. The whole process was clear from beginning to end and Rachel kept us up to date every step of the way. We had a tricky property to mortgage and Rachel was able to secure us a good product from a high street lender. I have recommended her to friends and family and would use her again for any future mortgages. Thanks Rachel!
A 5 star experience of first time buying thanks to Rachel and Joanne. I was worried buying a home would come with so much stress but I can honestly say it’s been more or less stress free! Quick and professional communication and even got a better mortgage deal than I thought! Can’t recommend or thank them enough!
Rachel and Jo at Mortgage Force were outstanding start to finish. They went above and beyond with everything they did, helping us to purchase our first home. We've been told many times how stressful buying a house is but with Mortgage Force it felt like a breeze! Rachel was informative and broke everything down so that we fully understood all of the house buying lingo and both Jo and Rachel were friendly, helpful, super quick to respond to any queries and just a pleasure to deal with.