16/10/2026
Did you know it's possible to help a child get onto the property ladder without giving them a cash deposit?
Saving a deposit can be one of the biggest barriers for first-time buyers.
What many people don't realise is that some lenders offer mortgages that can allow eligible first-time buyers to purchase with no deposit, with support from a family member.
A family member may be able to help by:
✅ Using savings as security with the lender for an agreed period
✅ Using some of the equity in their own home as security, without needing to give money away
Once the agreed period ends and lender requirements have been met, the security is released.
This can be a useful option for families who want to help a child onto the property ladder but don't want to gift a large lump sum.
If you're a first-time buyer, or a parent wondering how you could help, get in touch and I'll happily talk you through the options.
Phone – 02475 909424
Email – [email protected]
OR
Book a meeting via our website – link in Bio
Important: If mortgage repayments are not maintained, the lender can use the security provided to recover any outstanding mortgage debt. Independent legal advice will be required for the supporting family member.
Your home may be repossessed if you do not keep up repayments on your mortgage.
