100% Mortgages

A 100% loan-to-value (LTV) mortgage is a loan that covers the full value of the property you want to buy. In other words, it's a mortgage for when you're unable to put down any deposit.

Only a few lenders offer 100% LTV mortgages, and many of these are only available to existing mortgage customers ('product transfer' deals). Interest rates tend to be substantially higher, and there's a higher risk of negative equity - where if your house dropped in value the mortgage loan would be worth more than the property. Being in negative equity can make it difficult to move house or remortgage onto another deal.

However, you may find some 100% guarantor mortgages, where a family member provides a legal guarantee to the lender that they will meet your mortgage payments if you fail to do so.

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Go direct, or get advice

If you're comfortable making your own financial decisions, the table shows today's mortgage deals and you can call lenders directly for more information.

If you'd prefer to get advice on choosing the right mortgage, we can put you in touch with a mortgage adviser.