Unlock the potential to buy your home ... without a deposit! 
Skipton Building Society have today launched a mortgage product that requires no deposit.  
Their 'Track Record Mortgage' is specifically for first time buyers to try and help them get on the property ladder. With most lenders wanting a minimum of 5% - 10% deposit, this could open the door for applicants who pass the affordability checks with lenders but cannot save for the deposit. 
The key eligibility criteria is: 
• Each applicant must be a First Time Buyer 
• Each applicant must be aged 21 or over 
• The same people who are renting now (and have been for the last 12 months) must be the same people on the mortgage  
• Must have proof of having paid rent for at least 12 months’ in a row, within the last 18 months 
• Must also have 12 months experience paying all household bills within the last 18 months 
• Each applicant will have no missed payments on debts / credit commitments in the last 6 months 
• The monthly mortgage payment must be equal to or lower than the average of the last 6 months rental cost 
• The deposit must be less than 5% 
• Maximum loan size £600,000 
• Not available on New Build flats 
To find out more, please email victoria@hdconsultants.net 
Victoria Bennett 
07305 396 811 
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VH D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1436009 / exp 25.08.2025 
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