Own Your First Home From 0% Deposit
Why wait years to save a massive deposit? Our award-winning team specialises in ultra-low deposit mortgages designed to get you on the ladder now.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Zero123 Is The Low Deposit Way To Your First Home
We work with a number of high street and specialist lenders that are launching new and more flexible products aimed at helping first time buyers take a step onto the property ladder with confidence. With competitive rates and deposit requirements as low as zero percent, making the leap to homeownership has never been more achievable.
Zero Percent Deposit
A 100% mortgage designed for current renters. Ideal if you can prove you’ve comfortably paid your rent over a 12 month period and want to buy without a deposit.
One Percent Deposit
A first time buyer product that opens the door with a minimum £5,000 deposit, helping buyers move sooner while still accessing competitive terms. Not suitable for new builds.
Two Percent Deposit
A first time buyer product for those with at least £10,000 deposit and a straightforward employed income, with a strong set of features including cashback and gifted deposit flexibility.
Three Percent Deposit
A flexible option for first time buyers who have a small deposit and require maximum affordability stretch with longer terms and adverse credit consideration in some cases.
Choose From a Zero, One, Two, or Three Percent Deposit
Deposits Now Optional!
With Zero123 you could buy with 0%, 1%, 2% or 3% deposit (subject to criteria). We’ll match you to the most suitable route based on your circumstances, affordability, credit profile and property type.
100% Mortgages for Renters
Paying rent on time can work in your favour. If you’ve got a strong rental track record, you may be eligible for a zero deposit, 100% LTV mortgage so you can buy sooner.
Get Started With Just £5k
If saving feels endless, a 1% deposit mortgage could be your shortcut. With a minimum £5,000 deposit and clear criteria, it’s designed to help first time buyers get on the property ladder faster.
Small Deposit. Big Momentum.
Saved £10,000? A 2% deposit mortgage could unlock homeownership with added perks like cashback and no arrangement fee (product dependent). Ideal for straightforward employed applications.
Support for Imperfect Credit
Had a few bumps in the past? The 3% deposit option can consider certain adverse credit cases (criteria applies). We’ll assess your position and advise on the most realistic route.
Don't let a small deposit hold you back!
Worried about your deposit size or borrowing limits? We’ll help you find a way forward that best suits your unique circumstances.