A family mortgage is a 100% mortgage. Instead of the borrower paying a deposit, their family place an amount equal to the deposit into an account held by the lender. They cannot access this money for a set period (usually 3-5 years), but during this time, the amount earns interest like a regular savings account. Family mortgage products include springboard mortgages, family boost mortgages, lend a hand mortgages and other no deposit offset mortgages including family deposit mortgages and post office family link mortgages, which use equity in the helper's home rather than cash savings.