Low-deposit lending has reached an 18-year high share of mortgage issuance, while Gable Mortgages has added its zero-deposit range to Mortgage Brain’s Sourcing Brain platform. At the same time, Tipton & Coseley Building Society has expanded its Credit Plus range for borrowers with more complex credit histories. These developments widen options for prospective buyers who remain constrained by deposits or mainstream credit criteria.
AI-assisted sourcing and criteria-matching tools can help advisers screen a larger product universe quickly, particularly where a case involves high loan-to-value lending, impaired credit or variable income. However, a search result is not a recommendation. Advisers should validate criteria and total cost, assess the sustainability of payments under higher-rate scenarios, explain the risks of minimal equity, and avoid allowing an automated ranking to obscure lender policy nuances or a client’s wider objectives.