Big News: 100% Mortgages Are Back and Prosper Can Now Offer Them Through April Mortgages!

October 6, 2025

We’ve got some game-changing news for our clients… Prosper Mortgage Solutions has officially launched with April Mortgages — and that means more 100% loan-to-value (LTV) mortgages are now available to you.



For anyone dreaming of owning a home but struggling to save a deposit, this could be the breakthrough you’ve been waiting for.

Why April Mortgages Matters

April Mortgages was founded in the Netherlands in 2014, building a reputation for simplicity and innovation. A decade later, they expanded into the UK with a fresh approach to home finance. Over time, many brokers have watched their development closely — and we’re proud to now bring their capabilities to our clients.


What makes April stand out:


  • 100% LTV / No Deposit Products – you could borrow the full value of the property (conditions apply).


  • Automatic rate reductions as your LTV improves — your interest rate can drop over time.


  • No early repayment charges when you move home or fully repay using your own funds.


  • Unlimited overpayments with no penalty.


  • Up to 7× income lending (for certain products).



  • Reduced distribution — only ~30% of intermediaries currently have access to April’s products, giving us a competitive edge.

What This Means for Clients Trying to Get On the Ladder

1. Barrier to entry lowers — saving for a deposit is one of the biggest hurdles. 100% LTV means clients don’t need that upfront deposit.


2. More borrowing potential — up to 7× income can help higher earners with limited deposits.


3. Rewards for progress — as you repay and your LTV improves, your rate automatically reduces.


4. Flexibility built in — unlimited overpayments and no ERCs give you more freedom.

A Balanced View

While 100% mortgages open up exciting opportunities, they also come with risks:


  • Higher interest rates than lower-LTV products.


  • Negative equity risk if house prices fall.



  • Stricter credit and affordability checks for responsible lending.


That’s why these products won’t suit everyone — but for the right client, they can make the dream of homeownership a reality.

How Prosper Will Use April Mortgages

At Prosper, our approach will be to:


  • Help clients with limited or no deposit access the market.


  • Provide flexible mortgage options that suit different life stages.


  • Ensure every client understands the benefits and risks of 100% lending.



  • Use April’s exclusive features to deliver tailored solutions.

If you or someone you know has been held back by the deposit hurdle, let’s talk. 


April Mortgages could be the key to unlocking your first home.


Contact Prosper Mortgage Solutions today to explore your options.


“Your home may be repossessed if you do not keep up repayments on your mortgage.”

Need help preparing for your mortgage application?

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📞 Call us on 07825 770882 or book a free consultation - we’ll help you get mortgage-ready with confidence.

First-Time Buyer Mortgages in Gerrards Cross & Buckinghamshire: The Complete 2025 Guide

By Prosper Mortgage Solutions Ltd • December 19, 2025
Buying your first home in Gerrards Cross or Buckinghamshire is an exciting milestone, but it can also feel overwhelming. This comprehensive first-time buyer mortgage guide for 2025 explains everything you need to know before stepping onto the property ladder. A first-time buyer in the UK is someone who has never owned property before. This status can provide access to specialist mortgage products and government support schemes. Most first-time buyers in Buckinghamshire will need a minimum deposit of 5%, though a 10% deposit often provides access to better mortgage rates. Currently, there are a few lenders who are also offering mortgages with 0% deposit and to people on visas. Lenders typically assess affordability based on income, outgoings, and credit history, with borrowing limits usually up to 4–4.5 times annual income. Mortgage options include fixed-rate mortgages, tracker mortgages, and discounted deals. Choosing the right mortgage depends on your financial goals and appetite for risk. The mortgage process includes obtaining an Agreement in Principle, making an offer, submitting a full mortgage application, and completing legal checks. Having a local mortgage broker in Gerrards Cross can make this process far smoother. Government schemes such as Lifetime ISAs and Shared Ownership remain popular with first-time buyers in 2025, but it is important to understand the long-term commitments involved. At Prosper Mortgage Solutions Limited, we specialise in supporting first-time buyers across Gerrards Cross and Buckinghamshire. Our goal is to provide clear, honest mortgage advice and help you secure a mortgage that supports your future plans. Getting onto the property ladder in Buckinghamshire is achievable with the right preparation, advice, and mortgage structure. “Your house may be repossessed if you do not keep up with your payments.”

Is 2025 the Right Time to Review Your Mortgage?

By Prosper Mortgage Solutions Ltd • December 17, 2025
Homeowners across Gerrards Cross and Buckinghamshire are increasingly asking whether 2025 is the right time to review their mortgage. With UK mortgage rates continuing to change, a mortgage that once suited your needs may no longer be the most cost-effective option. A mortgage review in Gerrards Cross allows you to assess whether your current rate is still competitive, whether your fixed rate is ending soon, or whether your financial circumstances have improved. Even small changes such as increased income, reduced debts, or rising property values in Buckinghamshire can unlock better mortgage options. Many homeowners wait until their deal ends, but reviewing your mortgage up to six months before expiry can help you secure a suitable remortgage and avoid reverting to a lender’s standard variable rate. In 2025, mortgage lenders are offering a wide range of fixed and tracker products. Whether you are considering remortgaging, overpaying or restructuring your mortgage to improve affordability, tailored advice is essential. At Prosper Mortgage Solutions Limited, based near Gerrards Cross, we provide personalised mortgage reviews designed to help local homeowners make informed decisions and potentially save thousands over the life of their mortgage. If you live in Gerrards Cross, Buckinghamshire, and are unsure whether your mortgage is still right for you, a review could give you clarity and peace of mind. “Your house may be repossessed if you do not keep up with your payments.”