Advisors are naturally cautious around high LTV lending, so this communication breaks down the key concerns we hear most often, and how April’s No Deposit mortgage has been designed to address them responsibly:-
Long-term fixed rates (10–15 years) to support capital repayment
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Automatic rate reductions as LTV improves
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No ERCs when moving home or redeeming
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Unlimited overpayments
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Strong credit and affordability standards
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Advisor-only product design
Here are the key worries we hear from advisors, and how April’s No Deposit mortgage is designed to tackle them head on.
Concern 1: “High LTV means higher risk”
Absolutely. High LTV needs handling carefully.
How April solves it:
- 10- or 15-year fixed rates give clients time to pay down capital.
- Rates drop automatically as LTV improves.
- Repayment only, with sensible affordability and strong credit standards.
It manages the risk instead of amplifying it.
Concern 2: “The rate will turn clients off”
Clients compare numbers. They worry. Advisors worry.
How April solves it:
- Pricing comes with real flexibility: no ERCs when moving home or redeeming, unlimited overpayments, and rates that improve as equity grows.
- For many, the comparison isn’t with a mortgage. It’s with rent.
It’s the long-term structure that makes the difference.
Concern 3: “I don’t want to recommend something that makes me look reckless later”
Fair. Your reputation matters.
How April solves it:
- Advisor only.
- Strong credit profiles.
- Clear affordability.
- Long term fixed.
- A product designed for good borrowers who simply haven’t been able to save a deposit.
It supports your advice rather than undermining it.
Concern 4: “Will they be stuck later?”
A valid worry.
How April solves it:
- No ERCs when moving home or redeeming.
- Unlimited overpayments.
- Rates that reduce as LTV improves.
The product moves clients out of high LTV over time, rather than trapping them in it.
Craig and Rebecca: proof that strong affordability can become real outcomes
Craig and Rebecca had the income, the credit and the affordability, but no deposit. With a young family and rising costs, saving more wasn’t realistic.
Their advisor, Manjit Kaur, introduced April’s No Deposit option. Instead of waiting another year, they bought the home they wanted, kept their savings and fixed for ten years.
“Our payments now decrease as our LTV improves. It gives us the financial security to make wider family decisions.”
This is what advisors want: a safe, responsible way to turn blocked cases into completions.
Built to be simple. Built for real life.
If you’ve got a client who can afford the payment but can’t save the deposit, call us on 0333 456 0333.
Let’s turn a blocked case into an April success story.
Find out more at: www.aprilmortgages.co.uk/broker/no-deposit