You’ve probably seen the headlines: “100% mortgages are back.”
No deposit, full purchase price covered sounds like a dream, right?

But here’s what the media isn’t telling you.

These no-deposit mortgages might work for a small group of first-time buyers. But if you’re looking to invest in property, they’re unlikely to help you.

And the good news?
You don’t need them.

Because there are proven, ethical, and repeatable ways to buy property using none of your own money and in this post, I’ll walk you through exactly how.

A 100% mortgage is when a lender offers you the entire value of the property, so you don’t need to provide a deposit.

Recently, a few lenders like Skipton Building Society, April Mortgages, and Gable Mortgages reintroduced these products to the UK market, with strict conditions such as:

• A strong 12-month rental payment history

• No missed credit repayments

• A guarantor or family member willing to offer savings or equity as security

• The property must be your main residence, not an investment

So while this might help a few first-time buyers onto the ladder, it’s not a realistic route for property investors.

Yes. But not with a 100% mortgage.

If you want to grow a portfolio without your own funds, you’ll need to use creative property strategies.

Here’s a breakdown of the most effective methods:

1. Joint Ventures (JVs)

Work with someone who has money but lacks time, knowledge, or confidence to invest.

You find the deal and manage the project. They fund it. You split the profits.

Best for: Beginners with time and strategy but limited funds.

2. Purchase Lease Options (PLOs)

Control a property now and buy it later at a fixed price.

You can generate monthly cash flow from the rent without needing a mortgage or deposit upfront.

Best for: Investors looking to profit from properties without needing to own them outright (yet).

3. Private Investor Finance

Raise money from individuals looking for better returns than savings or pensions offer. You agree a fixed interest rate and secure it against the property.

This approach can replace bridging loans or deposits and builds your reputation over time.

Best for: Experienced deal-makers who can package and present opportunities with confidence.

4. Vendor Finance

Sometimes the seller themselves is willing to fund part of the purchase, especially if they’re motivated and equity-rich.

You agree to pay some of the sale price later, reducing the cash you need upfront.

Best for: Direct-to-vendor deals with strong rapport and creative structuring.
 

There’s always a buzz in the media. Right now it’s 100% mortgages. Next month it’ll be something else.

But as a serious investor, your results won’t come from following trends. They come from following principles and applying the right strategies at the right time.

Here’s what I know after 20+ years in the property industry:

It’s never really about the money. It’s about the knowledge.

And when you know how to structure deals, raise funds, and find motivated sellers, you can build a successful portfolio, even if you’re starting with nothing.

Right now, we’re offering a completely free strategy consultation call to help you:

• Get clarity on where you are now

• Identify what’s holding you back

• Map out the quickest route to your property goals

We used to charge £500 for these calls. They’re now free for a limited time while we test the new format.

Please note: This is strictly first come, first served. If you book and don’t show, you won’t be offered a second slot.

Book your free strategy session and learn how to invest with no money without relying on 100% mortgages.