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Deposit-free 100% mortgage

Why rent when you can buy? Make a move to a brand new home with the help of a Track Record mortgage.*

Young family moving with Track Record

Discover a Track Record mortgage

Side-step your deposit hurdle

A deposit-free 100% mortgage is now available to buyers who have been renting for 12 months or more.*

  • Are you looking to buy a new home?
  • Are you struggling to save for a deposit?
  • Do you have a track record of paying rent and household bills for at least 12 months?

The 100% Track Record mortgage could be the perfect solution for you.

How does it work?

This deposit-free 100% mortgage enables buyers – who haven’t owned a property in the UK or abroad in the last three years – to purchase a home by providing evidence that they have made consistent rental payments for at least 12 months.*

Usually, a deposit between 5% and 10% is required for a buyer to apply for a mortgage, but renters often struggle to save for a deposit while paying rent.

This new product is exclusively available through Skipton Building Society on house purchases and will allow borrowers to side-step the usual deposit requirements, enabling renters to buy a brand new home with a 100% mortgage.

100% mortgage
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Start the process

Speak with the sales advisor at your chosen development who will refer you to the New Homes Mortgage Helpline to check if you’re eligible for a deposit-free mortgage.

Reserve your new home

Select your Bellway home and preferred plot.

Apply for your mortgage

A specialist from New Homes Mortgage Helpline will submit your mortgage application for the ‘track record’ mortgage scheme.

Moving day

Move into your brand-new Bellway home.

Track Record FAQs

Can I purchase any property with the ‘track record mortgage’?

No, the mortgage is only currently available on purchases of new build houses. New build apartments are not available as part of the scheme.

Can I buy anywhere in the UK?

This mortgage product is only available to buyers currently renting in England, Scotland, and Wales.

Who is eligible?

Buyers who are currently renting and able to provide evidence of at least 12 months’ worth of consistent rental payments. Buyers also cannot have owned a property in the UK or abroad in the last three years. You must be aged 21 or over and have no missed payments on debts or credit commitments in the last six months.

Is there a limit on the loan amount?

The maximum loan amount you can borrow through this mortgage product is £600,000.

If I have a deposit, can I reduce the amount I need to borrow?

Yes, although you don’t require a deposit, you can still be eligible as long as your deposit is less than 5%.

Alternative ways to buy

No matter your circumstances, we have a range of available schemes designed to meet your needs.

Our service, our promise

Part Exchange

Take advantage of our part-exchange scheme – the stress-free way to move home.

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Deposit Unlock

The low deposit mortgage solution for new build homes. Move now with a 5% deposit.

Own New

Own New

Own your new home with just a 5% deposit. Currently available for all homes across Durham.

More than a home builder

All you need when it comes to finding your new home

Terms and conditions

** YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. All mortgages are subject to status and lender criteria. To qualify you must have rented for at least 12 months and the mortgage payments must be at least £1 less than your current rental payments. T&Cs apply.