Say hello to April’s
No Deposit mortgage.
0% deposit. 100% peace of mind.
Enjoy the same April certainty and flexibility with the increased borrowing power of our 10 or 15 year fixed rates, and no surprises along the way.
YOUR HOME MAY BE REPOSSESSED IF YOU DON’T KEEP UP REPAYMENTS
0% deposit. 100% peace of mind.
Enjoy the same April certainty and flexibility with the increased borrowing power of our 10 or 15 year fixed rates, and no surprises along the way.
Let’s be honest, saving up a deposit can feel impossible.
That’s why we’ve done something different.
April’s No Deposit mortgage is designed to help you get the keys without years of saving. No gimmicks. No strings. Just a modern mortgage with simple rules, long-term certainty, and flexibility built-in.
If you’ve got a steady income (from £24k+) and a clean credit history, you could buy your home with 0% deposit and start building your future now.
We lend responsibly to people with strong credit and stable income: keeping things fair, safe and certain for everyone.
Simple. Flexible. No surprises.
0% deposit. 100% peace of mind.
That’s mortgage more simple.
With a No Deposit mortgage, you're borrowing the full value of your home. This is called a 100% Loan-to-Value (LTV) mortgage and while it can help you get on the ladder sooner, it also comes with some risks.
If house prices fall, you could end up in negative equity, meaning you owe more than your home is worth. This could make it harder to move or remortgage later on. And like with any mortgage, your home may be repossessed if you don’t keep up repayments.
That’s why we take responsible lending seriously. We follow strict FCA rules and carry out detailed checks to make sure your mortgage is affordable: not just now, but in the future too.
Because home should feel like a fresh start, not a financial strain.
It’s also important to remember that while our No Deposit mortgage means you won’t need to put down a deposit, there are still other costs involved in buying a home. These can include Stamp Duty Land Tax (sometimes known as 'Stamp Duty'), valuation fees, legal fees, and moving costs.
And if things do change, you won’t face it alone. Our friendly Customer Support Team is here to help if you’re experiencing financial difficulties or need extra support. We understand life can take unexpected turns and we’re ready when it does.
To be eligible for our No Deposit mortgage, you need to be:
You'll also need a good credit history and we'll assess this with a credit search at the Decision in Principle stage.
Your broker will be able to help with more information but please be aware that all our applications are subject to a full underwriting and affordability review.
Our products are currently available through mortgage advisers (sometimes called 'brokers') only. Advisers play an important role in helping you navigate the process, understand our criteria, and ensure your application is complete and accurate, which improves the chances of a smooth and successful outcome.
As a responsible lender, we want to make sure the mortgage you take out is suitable and affordable for your individual circumstances. The mortgage advisers (or brokers) that we work with are qualified to assess your financial situation, explain your options, and recommend the most appropiate products. This helps you make an informed decision and reduces the risk of future financial difficulty.
Yes, if you’re applying for one of our mortgages, we require that you receive advice from a qualified mortgage adviser. This ensures you understand the full implications of your mortgage and receive the right recommendation based on your needs.
A mortgage adviser will:
Some advisers charge a fee, while others are paid by the lender. The adviser will explain their fees upfront before you proceed, so you can decide whether you’re happy to continue.
You can search online for independent mortgage advisers, speak to your bank or building society, or use comparison websites. We also work with a network of directly authorised and regulated advisers, please click on the button below to find a broker that can help you further:
1. What's a No Deposit mortgage?
Good question! You may have seen these called 100% mortgages as the mortgage is for 100% of the Loan-to-Value (LTV) of your property. This means you won't need to pay a deposit to apply for this mortgage. There will be other charges though so please bear this in mind.
2. I need a mortgage broker, how do I find one?
Easy! Just click on Find a broker and you'll see all your options there.
3. Am I eligible for a No Deposit mortgage?
We've added some of our basic elgibility requirements above but your mortgage broker will be able to assist you further. If our No Deposit mortgage isn't suitable then you'll see our other products here.
4. Do I need to worry about borrowing 100% of my property's value?
You should be aware that house prices can fall. This means your property could fall into negative equity (where you owe more than your house is worth). You should speak to your broker to make sure all of your concerns and questions are answered.
5. What happens if I owe more than my home is worth during the mortgage term?
This is called 'negative equity'.
If you were ever in a situation where your property fell into negative equity, we would proactively get in touch to discuss your options and offer support. Our goal is to help you manage the situation and find a way forward that works for you.
That said, if you’re ever concerned about the risk of negative equity, whether now or in the future, we encourage you to reach out to our Customer Support Team at any time. They’ll be happy to talk things through, answer your questions, and explain what support could be available. Even if it’s just for peace of mind, we’re here to help.
6. Are there any other factors I should consider before taking a 100% with April?
Yes! We want you to think about this fully and explain your individual circumstances to your mortgage broker.
As with all April products, should you wish to remortgage away to another lender within their fixed rate period, Early Repayment Charges (ERCs) will be payable as outlined within your Mortgage Offer letter. These are in addition to the outstanding account balance at the time of repayment.
And please remember your home may be repossessed if you don't keep up repayments.
April Mortgages Limited. Registered Office: 158-160 North Gower Street, London, NW1 2ND. Registered in England and Wales company number: 13514833. April Mortgages Limited is authorised and regulated by the Financial Conduct Authority (FRN 989666).