Gable Mortgages is a new to market lender focused on providing responsible mortgage solutions without the need for a traditional deposit. 

Gable Mortgages has launched with two 5-year zero deposit 100% LTV Residential Purchase Products.

The New Build Zero Deposit 100% LTV product is offered only through Own New and their developers. 

• There is Zero Product Fee to customers for the New Build Product
• Additional financial and non-financial builder incentives are accepted. 
• New Build flats accepted

The Standard Zero Deposit 100% LTV Product for existing/second-hand properties 

• 1% product fee to the customer, which cannot be added to the loan

Both products are available in England and Wales to first time buyers looking to get on the property ladder and next time buyers who might not have the equity in their property needed to move home. 

Standard affordability is 4.5x LTI, and Gable offer increased eligibility enhancements for key workers a 5x LTI when there is one key worker on the application, and 5.5x LTI for joint key workers on an application.

In addition to customers with indefinite leave to remain, a right of abode, or settled or pre-settled status, Gable can consider selected time-limited work visas, including Skilled Worker and Health and Care Worker visas- subject to criteria requirements.