Ask the Specialist

Capital Fortune are asked to help clients on a daily basis, whether it be with a new purchase, remortgage, buy to let or something more unusual. We typically help clients with non-standard, unusual or complex situations and have created this section to allow you to ask our team of specialists any question you may have. Feel free to browse the list of questions and responses. Please note we provide information only in response to the questions posed and not advice. If you do seek advice then feel free to speak to one of our Advisers by calling 0207 710 0400 or send us an enquiry online and one of our Advisers will call you back.

100% Deposit Mortgage

on 30 January 2017.


I have very good credit, but just go out of a expensive separation, I'm renting, would like to buy but lack the deposit, is there a lender that offers 100% mortgages? My scenario is that I can't lean on anyone to borrow the deposit. but I have no debts no CCJ, no defaults, n late payment - faultless credit rating & conduct.


Ask the Specialist response:

Hi Alex,

Thanks for your mortgage enquiry.

Although it is unusual to obtain a 100% mortgage, it isn't out the question for us to be able to help. You may not be able to lean on anyone financially through cash savings, however, if you have a family member that is prepared to assist as a guarantee via their own property, or alternatively able to gift equity we may be able to help in this instance. 

Furthermore, if you are currently renting and your existing landlord is prepared to offer their property at a genuinely discounted purchase price, we may be able to use that as a deposit source as well. 

If neither of these options are available for you, we typically assist clients who have recently undergone a marital separation with as little as a 5% deposit.

If you just wish to obtain an indication on whether we are able to assist you, given your specific circumstances, I'd recommend speaking to one of our Advisers on 02077100400 or send us an enquiry online and one of our Advisers will call you back.

Capital Fortune