Here at Dolphin Financial, we are now offering 100% Mortgages! This means you could be accepted for a Mortgage, with no deposit. However, there are certain criteria that you need to meet before you get accepted.

What we are offering

  • Up to 100% Loan-To-Value Mortgage for first-time buyers currently renting, who can demonstrate a track record of affordability of ALL monthly rent and household expenditure for a minimum of 12 months in the last 18-month period
  • The monthly mortgage payment must be equal to or lower than the average of the last 6 months’ rental cost – e.g. if the average rent over the last 6 months is £800, the mortgage payment must be £800 or lower
  • Deposit of up to 5% of the property value. The deposit can be accepted even if it is a gift.
  • Maximum term length of 35 years.

Who is eligible

  • You must be a first-time buyer
  • You must be over the age of 21
  • If you have a deposit, it must be less than 5% of the purchase price
  • You must have no missed payments on debts/credit commitments in the last 6 months
  • Looking to borrow no more than £600,000
  • You must meet the household-to-household criteria (see below)
  • Not looking to buy a new build flat
  • You must have proof of having paid rent for at least 12 months in a row, within the last 18 months
  • You must have 12 months of experience paying all household bills within the last 18 months

What does household-to-household mean?

Household-to-household means that the same people who are renting now (and have been for the last 12 months) are the same people applying for the mortgage.

If applying alone, the rental and household expenditure must have been covered entirely by yourself for 12 consecutive months within the last 18 months.

Joint applicants (max of 4 per application) will need evidence that these payments have been made either; collectively, or wholly by one applicant.

Joint applicants who have been renting separate properties will be eligible, as long as each applicant can evidence that they have individually covered their entire rental and household expenditure payments. In this instance, when calculating the max loan amount based on the average rental payment over the last 6 months, your combined rental payments can be used.

More information

To find out more, and see how much you may be able to borrow, get in touch today. We have a specialist team of mortgage advisers, who are happy to answer any questions you may have. We can help you each step of the way through your mortgage application.

As a mortgage is secured against your home it may be repossessed if you do not keep up with mortgage repayments.

Get In Touch!

Telephone – 0800 195 6345

Email –

Alternatively, you can fill out our contact form, a member of our team will be in touch as soon as possible,


Caitlin Duffy

Independent Senior Mortgage, Protection, & Equity Release Adviser

Tel – 01928 761001

Email –