Buy Your Dream Home with Zero Deposit
Our expanded family-supported mortgage lets you purchase or remortgage up to 100% LTV with immediate family backing.
- Up to 100% LTV – No deposit required
- Combine up to 4 family incomes (4.45x multiple)
- No valuation or product fees attached
How the Zero Deposit Offer Works
A carefully managed approach to leverage family support and bypass years of saving for a deposit.
Apply for a Residential Purchase or Pound-for-Pound Remortgage up to £675,000.
Secure up to 100% LTV financing with zero minimum deposit required.
Add up to 4 immediate family members to boost overall borrowing capacity.
Lock in stability with fixed monthly payments for 5 full years.
Key Features & Benefits
Designed to provide higher LTV limits, low upfront costs, and ultimate affordability flexibility.
Zero Deposit Required
Available up to 100% LTV with no minimum personal deposit or equity needed to get started.
Up to 4 Applicants
Combine incomes from up to 4 family members at an attractive 4.45x income multiple.
5-Year Fixed Rate
Enjoy predictable, locked-in monthly repayment rates for 5 years for total peace of mind.
Zero Product Fees
Keep upfront transaction costs down with £0 product fees across the product range.
Free Property Valuation
Includes a complimentary property valuation to save you money from day one.
High Maximum Loan
Borrow up to £675,000 for your home purchase or pound-for-pound remortgage.
At-a-Glance Product Specifications
| Maximum Loan to Value (LTV) | Up to 100% LTV (Zero Deposit Required) |
|---|---|
| Eligible Transaction Types | Residential Purchase or Pound-for-Pound Remortgage |
| Applicant Capacity | Up to 4 Applicants (Combined Income Supported) |
| Income Multiple Limit | Up to 4.45x Multiple (Subject to Affordability) |
| Maximum Loan Amount | £675,000 |
| Supporting Borrowers | Immediate Family Members Only |
| Fixed Rate Term | 5-Year Fixed Rate |
| Product & Valuation Fees | £0 Product Fee | Free Property Valuation |
Who Is This For?
This >95% LTV family-supported mortgage is ideal if you meet the following conditions:
- Looking to buy a home or remortgage without waiting to save a deposit
- Have immediate family members willing to support your application
- Need higher borrowing power using combined income (up to 4 applicants)
- Seeking a Residential Purchase or Pound-for-Pound Remortgage up to £675,000
Why Choose Us
We guide you and your family through every step of the joint mortgage journey.
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Contractor & Specialist Expertise We specialize in complex, flexible income criteria tailored to contractors and modern buyers.
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Family-Friendly Advice Clear, transparent guidance for both main owners and supporting family members.
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End-to-End Support From calculating multi-applicant income limits to application submission and completion day.
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Zero Extra Product Fees Save money upfront with fee-free products, complimentary valuations, and competitive 5-year fixed rates.
Frequently Asked Questions
Everything you need to know about getting a 100% LTV zero deposit mortgage.
How does a family-supported zero deposit mortgage work?
This mortgage option allows immediate family members to join the application to combine incomes for affordability assessments. This increases your borrowing potential so you can buy a home with up to 100% LTV without needing a saved deposit.
Can I really get a mortgage with zero deposit (100% LTV)?
Yes. Our expanded >95% LTV proposition enables qualified applicants to secure financing up to 100% Loan-to-Value, requiring zero minimum personal deposit or equity contribution when supported by immediate family income.
Who qualifies as an immediate family member?
Supporting applicants must be immediate family members, such as parents, stepparents, children, or siblings, whose income can be factored in at up to 4.45x multiples.
Are contractors and self-employed applicants eligible?
Yes. Contractor Mortgage Solution specializes in complex income streams, contract day-rate calculations, and self-employed income structures, matching them to flexible lender criteria.
Important Information: Your home may be repossessed if you do not keep up repayments on your mortgage. All loans are subject to status, formal valuation, and underwriting criteria. Maximum loan amount £675,000 at up to 100% LTV. Contractor Mortgage Solution is an authorized mortgage advisory service.
Ready to discuss your options?
Call Us
0203 827 8560
Email Us
info@contractormortgagesolutions.co.uk
Address
31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB
Mon-Fri (8:30am-7pm)
Sat (9am-5pm)