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Why rent when you can buy? Make a move to a brand new home with the help of a Track Record mortgage.*
A deposit-free 100% mortgage is now available to buyers who have been renting for 12 months or more.*
The 100% Track Record mortgage could be the perfect solution for you.
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.
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.
Select your Bellway home and preferred plot.
A specialist from New Homes Mortgage Helpline will submit your mortgage application for the ‘track record’ mortgage scheme.
Move into your brand-new Bellway home.
No, the mortgage is only currently available on purchases of new build houses. New build apartments are not available as part of the scheme.
This mortgage product is only available to buyers currently renting in England, Scotland, and Wales.
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.
The maximum loan amount you can borrow through this mortgage product is £600,000.
Yes, although you don’t require a deposit, you can still be eligible as long as your deposit is less than 5%.
No matter your circumstances, we have a range of available schemes designed to meet your needs.
Take advantage of our part-exchange scheme – the stress-free way to move home.
The low deposit mortgage solution for new build homes. Move now with a 5% deposit.
Own your new home with just a 5% deposit. Currently available for all homes across Durham.
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.
