Mortgage Without Down Payment
Looking for a mortgage without down payment in 2026? Current loan‑to‑value rules are strict, but there are still smart ways to optimise your financing, protect your savings and secure your property project with a tailored structure.
We help you understand how far you can go in terms of financing, what percentages are allowed depending on your situation, and how to cover purchase costs and registration fees without jeopardising your budget. Get your free simulation for Mortgage Without Down PaymentUnderstand Your Borrowing Capacity
Since January 1, 2020, the loan‑to‑value (LTV) ratio is in principle limited to 90%. Concretely, this means that you must normally finance at least 10% of the purchase price yourself, in addition to the registration fees and miscellaneous costs related to the purchase and the loan.
Thanks to the exceptions provided by the authorities, it is sometimes possible to exceed this 90% threshold and get closer to a mortgage that behaves like a “no down payment” solution, depending on your profile and your project.
How Does the 90% Loan‑to‑Value Rule Work?
Who Can Approach a 100% Mortgage?
The rules differ for first‑time buyers, second‑time buyers and investors. Below is an overview of the main profiles and what is generally possible in terms of loan‑to‑value in 2026.Young Households & First‑Time Buyers
For young households purchasing their first home, lending institutions are allowed to be more flexible. Up to 35% of the mortgages they grant can exceed the 90% loan‑to‑value ratio.In addition, around 5% of these loans may even exceed the 100% loan‑to‑value mark. This makes it possible, under strict conditions, to approach a structure similar to a mortgage without down payment, especially if your income is stable and your overall debt is under control.
Second‑Time Buyers
For buyers acquiring a property for the second time, the flexibility is more limited. About 20% of the loans that a bank grants to this category can exceed the 90% loan‑to‑value ratio.However, the financing amount can never exceed 100% of the property’s value. You will therefore almost always need to contribute some of your own funds, or use equity released from the sale or refinancing of another property.
Rental Investments
For rental investment projects, the rules are tighter. The maximum loan‑to‑value ratio is generally set at 80%, which means you must finance at least 20% of the purchase price yourself, on top of the purchase costs.Nevertheless, up to 10% of the loans granted for investment properties may go up to a 90% loan‑to‑value. A detailed, well‑documented file and a solid rental strategy are crucial to reach this level of financing.
Why Work with a Mortgage Broker in 2026?
With stricter regulations and limited exceptions, obtaining a mortgage that mimics a no down payment structure has become more complex. Each bank has its own internal policy, its own interpretation of the guidelines and its own appetite for higher loan‑to‑value ratios.
A specialised mortgage broker compares the offers of multiple institutions, negotiates the best possible loan‑to‑value ratio for your profile and helps you combine different solutions (classic mortgage, renovation budget, guarantees, etc.) to bring your project to life while protecting your financial security.
Ready to Explore Your Options for a Mortgage Without Down Payment?
Share your project with us and receive a personalised, no‑obligation analysis of your financing capacity and the maximum loan‑to‑value ratio you can realistically obtain in 2026.
Get your free simulation pour Mortgage Without Down Payment