Whole-of-market mortgage advice
No Deposit Mortgages in Sleaford & Lincolnshire
No deposit saved? You may still be able to buy. We compare no-deposit and 100% mortgages across Lincolnshire, from rental track-record lenders to guarantor and family-assisted routes. Free until your offer is approved.
5.0★ · 701 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
No deposit saved? You may still be able to buy. We arrange no-deposit and 100% mortgages for buyers across Lincolnshire, from lenders who lend against your rental track record to guarantor and family-assisted routes. Advice is free until your offer is approved, in person, by phone or video.
Can you get a mortgage with no deposit?
Yes, but the options are limited and the criteria are strict, so it pays to know which lenders to approach. Genuine no-deposit routes fall into a few types: a 100% mortgage based on your rental payment history, a guarantor mortgage, or a family-assisted deal where relatives help without gifting the money outright. As former bank managers, we know who lends on each and match you to the right one.
No-deposit mortgages for renters
Some lenders now offer a 100% mortgage to tenants who can show a strong record of paying rent on time, usually over the last 12 months. Instead of a deposit, your rental history and affordability do the work. Criteria vary by lender, so we check where your situation fits before you apply.
Guarantor mortgages
With a guarantor mortgage, a close relative agrees to cover the payments if you cannot, which can let you borrow with little or no deposit. The guarantor usually needs their own income or property as security. We explain what it commits them to and compare the lenders that offer it.
Family springboard mortgages
On a springboard or family-assisted deal, a relative places savings with the lender as security, often around 10% of the price, for a set number of years rather than giving you the money. You buy with no deposit of your own, and the family savings are returned with interest once the term is met and payments are up to date.
Boosting your borrowing with family
A joint borrower sole proprietor arrangement lets a parent or family member add their income to the application, boosting how much you can borrow, without going on the deeds or paying extra stamp duty. It will not remove the deposit on its own, but paired with one of the routes above it can make a no-deposit purchase add up. If a relative can gift a deposit, that opens up the wider market too.
How much could you borrow?
Enter your income and outgoings for a guide to your borrowing. It is an estimate, not a mortgage offer, and no-deposit lending is assessed on affordability rather than a deposit.
Is a no-deposit mortgage a good idea?
It can be the difference between buying now and waiting years to save, but it is not automatically the right move. Rates on no-deposit deals are usually higher than on a mortgage with a deposit, and borrowing the full value means less room if house prices dip. Saving even a small deposit widens your choice and can lower the rate. We set out both paths honestly so you can decide with your eyes open, and if a small deposit is within reach we will show you the low-deposit options too.
Why use a mortgage adviser for a no-deposit mortgage
No-deposit lending sits with a handful of lenders, each with its own rules on rental history, guarantors and family support. Your own bank sees only its own shelf. As a whole-of-market mortgage broker and adviser, we compare the lenders that say yes, package your case so it is understood first time, and handle it end to end. Buying your first home? See our first-time buyer mortgage advice too.
Ready to start? Book a free, no-obligation chat about buying with no deposit. Your home may be repossessed if you do not keep up repayments on your mortgage.
Is this you?
We help no-deposit buyers like…
- Renters with a strong record of paying rent on time
- First-time buyers with little or no deposit
- Buyers with family able to help as guarantor
- People wanting to stop renting and buy sooner
- Buyers unsure which lenders accept no deposit
Why a broker
Why no-deposit buyers use a mortgage adviser
Go direct and you only ever see one lender’s deals. We compare the whole market, handle the legwork, and keep you moving, often finding a rate and a lender you could not reach on your own.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
From first chat to front-door key
Three simple steps. You always know what happens next.
A free, friendly chat
Tell us your situation. We listen first, with no obligation and no pressure, in person, by video or on the phone.
We search the whole market
We compare lenders across the whole market and bring you a clear recommendation you can actually understand.
We manage it to completion
We handle the application and chase lenders, solicitors and agents, so you can get on with your move.
Local to you
Advising on no deposit mortgages across Sleaford & Lincolnshire
From our Sleaford office we help buyers with little or no deposit right across Lincolnshire, from Lincoln and Grantham to Newark and Boston. We compare the handful of lenders who accept no deposit and advise in person, by phone or video, whichever suits you.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- Bourne
- Spalding
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
No Deposit Mortgages: your questions answered
Can you get a mortgage with no deposit?
Yes, though options are limited. Some lenders offer a 100% mortgage based on your rental track record, and guarantor or family-assisted deals can remove the deposit too.
How can I get a mortgage with no deposit?
Through a 100% mortgage tied to your rental history, a guarantor mortgage, or a family springboard where relatives put up savings as security. We compare the lenders that offer them.
Do no-deposit mortgages cost more?
Usually the rate is higher than on a deal with a deposit, because the lender takes on more risk. Even a small deposit can lower the rate, so we compare both.
What clients say
701 verified reviews, rated 5.0
258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
