Gable Mortgages Integrates with Twenty7tec to Expand Zero-Deposit Access

Twenty7tec has integrated Gable Mortgages into its RESEARCH platform, providing over 15,000 mortgage advisers with direct access to zero-deposit residential products. This move is significant for fintech professionals as it streamlines the sourcing of 100% loan-to-value mortgages, addressing the deposit barrier for borrowers who demonstrate affordability but lack traditional savings.

What was announced

Twenty7tec has officially added Gable Mortgages to its lender panel within the RESEARCH module. This integration allows mortgage advisers to view and compare Gable’s zero-deposit residential mortgage products alongside the broader residential market. The RESEARCH platform is a staple in the UK mortgage industry, utilized by more than 15,000 advisers every day to initiate sourcing journeys based on specific criteria, affordability, or product types.

The addition specifically highlights Gable’s 100% loan-to-value (LTV) offerings. These products are designed for borrowers who can prove they can meet monthly mortgage repayments but struggle to accumulate a traditional deposit. The range available through Twenty7tec includes options for both first-time buyers and those moving home, with a particular focus on young professionals and key workers. These products are applicable to both new-build properties and standard residential homes.

By bringing these criteria into the RESEARCH environment, advisers can now refine and compare Gable’s zero-deposit propositions against other market options using individual client requirements. This visibility is intended to help advisers identify viable alternatives for clients where the lack of a deposit is the primary obstacle to homeownership. The integration ensures that Gable’s specific eligibility criteria are baked into the existing digital sourcing workflow used by a significant portion of the UK’s intermediary market.

"Our launch on Twenty7tec is a significant step in expanding broker access to our zero-deposit mortgage, making it easier for advisers to find and assess customer eligibility. By addressing a key barrier for customers who can afford mortgage repayments but struggle to save a deposit, we are giving advisers using 27tec a compelling new way to help more people get onto the property ladder."

Lisa Crane, Mortgage Operations Director at Gable Mortgages.

The companies involved

Twenty7tec is a major player in the UK mortgage technology space, providing a suite of products designed to facilitate the mortgage application and sourcing process for intermediaries. Its RESEARCH platform is one of the most widely used tools in the sector, serving as a central hub for product data and affordability calculations. The company has established itself as a critical infrastructure provider for the mortgage market, frequently expanding its lender panel to include niche and specialist providers alongside high-street banks. Nakita Moss serves as the Head of Lender at Twenty7tec.

Gable Mortgages enters the panel as a specialist lender focused on high-LTV solutions. The firm positions itself as a solution for the "deposit gap," targeting demographics such as key workers and young professionals who may be "rent-trapped"—paying high monthly costs that prevent saving, despite having the income to support a mortgage. While the mortgage market has seen various 100% LTV products emerge and disappear over the last decade, Gable’s inclusion on a major sourcing platform like Twenty7tec indicates a push for these products to be treated as viable options for qualified borrowers within a digital-first advice framework.

What FF News has reported before

FF News has extensively tracked Twenty7tec’s expansion and its role in digitizing the UK mortgage market. We recently covered how Fluxifi Streamlines Mortgage Advice with Twenty7tec RESEARCH Integration, highlighting the platform's growing ecosystem. Our reporting has also focused on market trends surfaced by Twenty7tec’s data, such as when Remortgage Searches Surge 11% as UK Homeowners Navigate Shifting Mortgage Market. Additionally, we reported on the company’s technological evolution with the Twenty7tec Unveils Steppl Portal to Streamline Adviser-Client Engagement. Earlier this year, we noted the divergence in the market as Remortgage Activity Surges 7% as UK Mortgage Market Splits Between Refinancing and Cautious Buyers.

What this means

The inclusion of 100% LTV products on a major sourcing platform marks a shift in how the industry views high-leverage lending. For years, the "zero-deposit" category was viewed with skepticism, yet persistent house price inflation has made it a mathematical necessity for many. This move puts pressure on traditional lenders who rely on high-equity borrowers, as it validates the "affordability over deposit" model. However, it raises significant questions about market risk; if house prices stagnate, these borrowers are immediately at risk of negative equity. For the fintech sector, the challenge remains ensuring that "affordability" algorithms are robust enough to handle the lack of a financial cushion that a deposit usually provides.