Why we bought our first home with a 100% mortgage - despite the risks
They were renting in central Manchester where they work and could not afford to save up for a deposit. Then they came across a relatively niche, and some experts say riskier, type of mortgage that offered a solution. The Track Record mortgage from Skipton Building Society covers 100% of the value of a property, with the borrower paying nothing upfront.
- ▪They were renting in central Manchester where they work and could not afford to save up for a deposit.
- ▪Then they came across a relatively niche, and some experts say riskier, type of mortgage that offered a solution.
- ▪The Track Record mortgage from Skipton Building Society covers 100% of the value of a property, with the borrower paying nothing upfront.
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Story provenance
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Record
| Original publisher | BBC News — Business |
| Canonical URL | https://www.bbc.co.uk/news/articles/cvj64w204y58o?at_medium=RSS&at_campaign=rss |
| Publication time | Thu, 17 Sep 2026 23:00:53 GMT |
| Retrieval time | 2026-09-17T23:08:44.682Z |
| Last seen | 2026-09-17T23:08:44.682Z |
| Headline source | Publisher (no WeSearch rewrite) |
| Excerpt source | publisher body |
| Excerpt method | First ~120 words (~800 chars) of extracted publisher body, fair-use limited. |
| Summary | WeSearch · cerebras-chat (WeSearch summarizer) |
| Summary source text | contentText |
| Citation coverage | Summary is a WeSearch-generated derivative; primary citation is the original publisher URL. |
| Cluster | msrClY7zh2Dj · 1 stories |
| Cluster logic | Grouped by semantic title/content similarity across sources within a rolling window. Same-publisher template collisions are excluded from coverage comparison. |
| Ranking reason | Story pages are not engagement-ranked. Hub feeds use recency, with optional source-diversified chronological ordering (cap consecutive stories per source). No personalized ranking. |
| Publisher visit | Yes — open original |
| Substitutes article? | No — link-out required for full text |
Rights status (four layers)
WeSearch handling by dimension
| Indexing | May the item be indexed (stored, ranked, made findable)? | Allowed |
| Snippet | May a short excerpt of the publisher's text be shown? | Allowed |
| AI summary | May WeSearch generate its own short summary of the article? | Limited |
| Retrieval / RAG | May the content be exposed for third-party retrieval-augmented generation? | Not asserted |
| Model training | May the content be used to train AI models? | Not asserted |
| Commercial reuse | May the content be reused commercially? | Not permitted |
Basis: Derived from the published RSS/Atom feed. Contact: [email protected]. Reviewed: 2026-07-24.
Opening excerpt (first ~120 words) tap to expand
Why we bought our first home with a 100% mortgage - despite the risksImage source, SuppliedImage caption, The couple are aware of the risks that come with their no-deposit mortgageByDaniel ThomasBusiness reporterPublished6 minutes agoUntil last year, Conroy, 32, and his partner Amber, 28, saw little prospect of owning their own home. They were renting in central Manchester where they work and could not afford to save up for a deposit. Then they came across a relatively niche, and some experts say riskier, type of mortgage that offered a solution. The Track Record mortgage from Skipton Building Society covers 100% of the value of a property, with the borrower paying nothing upfront.
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Excerpt limited to ~120 words for fair-use compliance. The full article is at BBC News — Business.
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