Expert Mortgage Advice & No Deposit Mortgage Deals Suitable For You

Let us put you in touch with expert mortgage advisors who will give you impartial advice and help you find no deposit mortgage deals suitable for you.

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We work with high street and other lenders so you’ll get access to suitable deals that you may be able to apply for.

About us

Why use us?

From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.

Quick service

From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.

Expert advice

We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.

Reduced stress & time saving

Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.

Reliable service

Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.

Satisfaction guaranteed

Whether you’re looking for Mortgage Advice, Loan Advice or Insurance Advice or any other financial product or service, we can help you…

“Did a great job helping us with our mortgage. I would recommend!”

Rob Searcy

So ... how can we help?

Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.

No Deposit Mortgage when you have bad credit

When applying for a mortgage you will need to show that you are able to keep up with the monthly repayments. A mortgage is like any other type of loan, your ability to repay it and your credit history will play a part in whether a lender will approve your application.
As well as this, you normally would need to put down a deposit, which can range from 5%-20%. Finding a 100% mortgage can be challenging, and even if you have an excellent credit history, you will most likely need at least a 5% deposit in this case.

This does not mean it is impossible to get a no deposit mortgage with bad credit, but in many cases it can be very unlikely. If providers don’t have any evidence presented to them, in the form of a deposit or good credit history as to how likely you are to repay the loan, there is no motivation for them to offer you a mortgage. Other factors can influence their decision though, including your income and the size of the mortgage.

If you are looking for the right mortgage deal to suit your financial situation, contact our advisers at Finance Advice Centre. Our team has extensive experience in helping potential borrowers find the best deals and providers to put them in the best position for their loan application to be successful.

How can you get a no deposit mortgage?

As previously mentioned it is possible to get a mortgage without a deposit, but this is extremely rare in the UK, especially if you have bad credit. The only 100% mortgages that are currently available are guarantor mortgages. This typically requires a family member who owns their own property or a large amount of savings to be named on your mortgage as well. However, this puts their home or money at risk if you fail to make your repayments on time.

New build developer loans

In some circumstances, property developers offer to loan you enough for a deposit when you purchase a new home that they have built. For example, the housing developer might lend you 20% of the property value and ask to be repaid in 15 years. However, you will need to be able to afford both your mortgage repayments and the property developer’s loan as well, which can be highly expensive and impossible for many potential buyers.

What if you don’t have a guarantor?

Even if you can’t get a no deposit mortgage with bad credit, or with good credit, there are a lot of ways to quickly get on the property ladder and buy a house with a low deposit.

Putting together a deposit

You can build up your deposit by:

  • Using any existing savings
  • Saving money each month where you can
  • Borrowing money from family or friends
  • Using money that was given to you as a gift or inheritance

Putting money aside regularly each month could work out better than paying into a savings account whenever you can, as it reduces the temptation of spending what you have saved. You can increase how much you save each month by:

  • Sticking to a budget
  • Reducing your spending where you can
  • Spending less on rent
  • Getting a lifetime ISA – these pay tax free interest and a 25% bonus of up to £1,000 per year from the government. The bonus is paid to you to put towards the deposit for your first home

Speaking to a professional mortgage adviser like our team at Finance Advice Centre will help to give you practical advice on the best route for you to successfully secure a mortgage deal. We can also help guide you through the application process to ensure you provide all the right information and present yourself as an appealing prospective borrower to lenders.

As a mortgage is secured against your property, it may be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home.

Our approach - and how we do it


We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!


One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.


Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.

See what our customers think ...

What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……

Ian Stamp

From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend

Ross Nightingale

Let us do the work of finding your mortgage

We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the best mortgage deals available.