We are offering drop-in appointments across most developments; however, should you wish to have dedicated time with our sales advisor, we encourage you to book ahead. Come and visit us.

Track Record Mortgage - 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.*

Discover a Track Record mortgage

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

The 100% Track Record mortgage could be the perfect solution for you if you are:

  • Looking to buy a new home
  • Struggling to save for a deposit
  • Have a track record of paying rent and household bills for at least 12 months

How does the scheme 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 and will allow borrowers to side-step the usual deposit requirements, enabling renters to buy a brand new home with a 100% mortgage.


Start the process

Speak with the sales advisor at your chosen development who will refer you to a new-build mortgage expert to check if you’re eligible for a deposit-free mortgage.


Reserve your new home

Select your Ashberry home and preferred plot.


Apply for your mortgage

Your selected new-build mortgage specialist will submit your mortgage application for the ‘track record’ mortgage scheme.


Get your keys

Move into your brand new Ashberry home with no deposit.

The Ashberry staff have been so helpful and kept me informed throughout my journey. They are exceptional.”

Johnathan Kingston - Cherry Fields

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More information about Track Record

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

This product is available on all properties, excluding new-build flats.

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 is calculated based on how much rent the applicant is currently paying. The maximum you can borrow through this mortgage product is £600,000, subject to lending criteria.

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Make moving home easy with Ashberry

Take advantage of one of the many schemes we offer to make your move simple and stress-free.

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Your Journey

When you buy with Ashberry, you can expect only the highest level of care from your initial enquiry through to moving day and beyond.

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Assisted Move

We’ll help you sell your old home

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Find your perfect Ashberry home

** 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.