Skipton’s Track Record is one example of a mortgage (a loan secured on your home) for eligible renters with no deposit or a deposit below 5%.
Published headline conditions
- Applicants aged 21 or over, with no UK home owned in the last three years.
- At least 12 consecutive months of rent paid within the last 18 months, with suitable evidence.
- All credit payments maintained in the last six months.
- Maximum borrowing £600,000. New-build houses can be considered; new-build flats are excluded.
The lender still checks affordability (whether the borrowing and ongoing costs fit your circumstances), credit and the property.
Little or no deposit can mean greater negative-equity risk if prices fall. You still need buying costs and a comfortable monthly budget. This is an example to investigate, not a recommendation.
Sources and conditions
Checked 25 October 2026. Rules and product availability can change; check the original information before acting.
Skipton · Track Record mortgage ↗GOV.UK · How to buy a home ↗MoneyHelper · Applying for a mortgage ↗Test this against your own budget.
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