We bought our £242,000 home without a deposit - here's how

UK · 2026-09-27

1. Step 1 · The triggerSkipton Building Society issues a 100% mortgage, enabling buyers to purchase without a deposit.
2. Step 2 · Knock-onThe higher-risk product carries elevated interest rates and exposes both lender and borrower to negative equity if house prices fall.
3. Step 3 · Knock-onPeer lenders face competitive pressure to match or respond, potentially expanding zero-deposit lending across the market.
4. Step 4 · Reaches youIncreased high-LTV lending raises systemic risk and could amplify arrears or negative equity if the property market softens, impacting SMEs tied to home transactions.

The trigger is reported by the source below. The steps that follow are Branch²’s traced reasoning — how the shock could reach a business like yours, not a prediction.

Source: bbc.co.uk

This is automated analysis for information only. It is not investment advice, not a recommendation, and not a solicitation to buy or sell any security. Branch² is not authorised or regulated. Do your own research.