You're closer than you think.
Strong income and 5–15% saved — or promised as a gift — is often enough to buy. Run the quick check below, then see what you'd need to have ready.
Free first consultationNo credit check to talkNo obligation
Prefer to talk? +44 (0)20 3821 5789Thanks — you're booked in.
A mortgage specialist will call you within one working day. Prefer sooner? Call +44 (0)20 3821 5789.
You're in the right place if…
If even one of these fits, it's worth a 15-minute call. Buyers with smaller deposits almost always have more options than the calculators suggest.
- You pay rent comfortably every month — often more than a mortgage would cost.
- You earn well — the deposit is just taking time to build.
- Part of your income is bonus or commission, and the online calculators ignore it.
- Family can gift part of the deposit, and you're not sure how that works.
Three things. That's the list.
Proof of deposit
Statements showing your savings — and for gifted amounts, a simple letter from the giver. We provide the template.
Proof of income
Recent payslips including bonus history — or accounts if you're self-employed.
ID & address
Passport or driving licence, plus proof of address.
No drip-feed — we tell you everything that's needed up front, in one list.
- Deposits from
- 5%
- Loan-to-value
- Up to 95%
- Lenders we compare
- 140+
- First consultation
- Free
“The first call gave me a bigger, realistic number than two banks had — and the written recommendation matched it.”
M.D. — Agency owner, LondonDo gifted deposits cause problems?
Not with the right lender — many welcome them. There's usually a simple letter for the person gifting, and we handle that paperwork with you.
Is 5% down really possible?
In some cases, yes — we arrange mortgages up to 95% of the property price. It depends on your income, your credit history and the property itself, and we'll tell you straight on the first call.
What does it cost?
Your first consultation is free, with no obligation. If you decide to go ahead, we explain exactly what we charge — in writing, before you commit to anything.
See how close you are.
Forty-five seconds of questions, one call back, your options in plain English.