No Deposit Mortgages in Sleaford

Advice on 100% LTV and family-backed mortgages across Sleaford and Lincolnshire.

Is a zero-deposit mortgage possible?

Most lenders require a deposit, but there are limited options for mortgages with no deposit — usually called 100% loan-to-value (LTV) mortgages. These rely on family support or specialist schemes.

What’s available:

Family-backed mortgages: Some lenders allow parents to place savings in a linked account as security. See family gifted deposit advice for alternatives.
Guarantor and JBSP options: A JBSP mortgage or guarantor setup can help boost affordability while keeping ownership with you.
Government schemes: While Help to Buy has ended, schemes like First Homes or Shared Ownership may reduce the deposit hurdle.

Zero-deposit mortgages are rare and come with tighter checks. For impartial context, see MoneyHelper’s guide to deposits. We’ll confirm if a no-deposit option works for you or if low deposit mortgages are a more realistic route, perhaps a shared ownership mortgage is also a possibility?

Unbiased Advice

Dedicated to providing trusted advice, we believe financing your home should be exciting and stress-free. Here’s just some of the lenders we work with;

We access the whole of the mortgage market to find the best mortgage to suit your needs.

Clarity when exploring no-deposit routes

Whole-of-market access: Including rare 100% LTV products.
Realistic advice: If zero deposit isn’t viable, we’ll show low-deposit alternatives.
Family support explained: How savings pledges, gifted deposits and JBSP mortgages work.
Local expertise: Daily experience with Sleaford and Lincolnshire property values.
Linked advice: We’ll compare options with first-time buyer mortgages and shared ownership mortgages.

How we handle no-deposit cases

We confirm whether zero-deposit is viable, then compare it with low-deposit alternatives so you can make an informed decision.

Review & check

We assess income, credit history and family support to see if 100% LTV is possible.

Compare & advise

We show available 100% products, plus 5–10% deposit options for comparison.

Apply & progress

We package the application and guide you through lender and solicitor requirements.

Meet The Spolton Mortgages Team

With years of mortgage experience and a no-nonsense approach, we’re here to make the mortgage process simple and stress-free.

How no-deposit options fit locally

Local property prices set the size of the mortgage you’d need. ONS figures (July 2025) show averages of £237,000 in North Kesteven (Sleaford) and £184,000 in Lincoln. A 100% LTV mortgage means borrowing the full amount — without a deposit buffer, affordability checks are stricter.

Sleaford & villages: First-time buyers often look to family support, either savings pledges or JBSP, to get started.
Lincoln, Grantham, Boston: Lower values can make 100% LTV more plausible, but lenders still require strong income evidence.
RAF households: With postings and allowances, affordability can be complex; JBSP or family-backed schemes are often explored.

We’ll explain the local lender landscape and when a no-deposit mortgage is achievable — or whether a 5% deposit could open far more products.

We are family

Spolton Mortgages is a family mortgage broker founded by Nick and Kasia Spolton.

From our office in Sleaford, we provide mortgage and mortgage protection advice.

Well-known, and respected for providing trusted advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire. Now we find ourselves helping people across the whole of the UK.