100% Mortgages

  • With a Loan to Value (LTV) that covers the entire purchase price of the property, 100% mortgages are ideal for people with no money for a deposit.
  • Most products at 100% are only available to customers with additional security from a guarantor.
  • You can compare the latest rates and other vital information on 100% mortgages in the table below.

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The following results are based on a loan to value (LTV) of 100%.
  • Bath BS
  • Mortgage Type
    variable
  • Initial Rate
    3.04%
    Discounted Variable for 3 years (2.00% disc)
  • APRC
    4.80%
  • Monthly Payment
    £721.05
  • ERC
    Yes
  • Fees
    £990
  • Max LTV
    100%
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  • Get advice about the UK mortgage market from MCB Financial Services
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    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Bath BS
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £300,000
    • Product Description:
      3.04% Discounted Variable for 3 years (2.00% disc)
    • Incentives:
      No Higher Lending Charge (HLC).
    • Website:
    • Repayments

    • Initial Monthly Repayment:
      £721.05 x 36
    • Ongoing Monthly Payments:
      £721.05 x 36
    • Total Amount Payable:
      £257,988
    • Total Interest Payable:
      £106,348
    • Fees

    • Product Fee:
      £800
    • Valuation Fee:
      £190
    • Charges

    • Exit Admin Fee:
      £150
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 3/3/2% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially at 3.04%. 36 monthly payments of £721.05. The total amount payable would be £257,538 made up of the loan amount plus interest £106,348 and a product fee £800 and valuation fee £190.The overall cost for comparison is 4.80% APRC representative.

  • Vernon BS
  • Mortgage Type
    variable
  • Initial Rate
    3.15%
    Discounted Variable for 4 years (1.55% disc)
  • APRC
    4.30%
  • Monthly Payment
    £723.07
  • ERC
    Yes
  • Fees
    £199
  • Max LTV
    100%
  • Speak To An AdvisorClick Here
    Speak To An Advisor
    Click Here
    + Product Details
  • Get advice about the UK mortgage market from MCB Financial Services
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Call Me Back
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Vernon BS
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,100
    • Max Loan:
      £200,000
    • Product Description:
      3.15% Discounted Variable for 4 years (1.55% disc)
    • Incentives:
      Refund valuation fees.
      £200 towards legal fees.
      No Higher Lending Charge (HLC).
    • Website:
    • Repayments

    • Initial Monthly Repayment:
      £723.07 x 48
    • Ongoing Monthly Payments:
      £723.07 x 48
    • Total Amount Payable:
      £245,141.30
    • Total Interest Payable:
      £94,487.28
    • Fees

    • Product Fee:
      £199
    • Valuation Fee:
      Free
    • Charges

    • Exit Admin Fee:
      £155
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 4 yrs: 3% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially at 3.15%. 48 monthly payments of £723.07. The total amount payable would be £244,891.30 made up of the loan amount plus interest £94,487.28 and a product fee £199 and valuation fee £0.The overall cost for comparison is 4.30% APRC representative.

  • Tipton & Coseley BS
  • Mortgage Type
    variable
  • Initial Rate
    3.19%
    Discounted Variable (collared at 2.99%) (1.80% disc)
  • APRC
    3.30%
  • Monthly Payment
    £726.23
  • ERC
    No
  • Fees
    £225
  • Max LTV
    100%
  • Speak To An AdvisorClick Here
    Speak To An Advisor
    Click Here
    + Product Details
  • Get advice about the UK mortgage market from MCB Financial Services
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Call Me Back
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Tipton & Coseley BS
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £75,000
    • Max Loan:
      £250,000
    • Product Description:
      3.19% Discounted Variable (collared at 2.99%) (1.80% disc)
    • Incentives:
      No arrangement fees.
      No Higher Lending Charge (HLC).
    • Website:
    • Repayments

    • Initial Monthly Repayment:
      £726.23 x 300
    • Ongoing Monthly Payments:
      £726.23 x 300
    • Total Amount Payable:
      £218,594
    • Total Interest Payable:
      £67,869
    • Fees

    • Product Fee:
      £0
    • Valuation Fee:
      £225
    • Charges

    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      No
  • Representative example: A mortgage of £150,000 payable over 25 years initially at 3.19%. 300 monthly payments of £726.23. The total amount payable would be £218,144 made up of the loan amount plus interest £67,869 and a product fee £0 and valuation fee £225.The overall cost for comparison is 3.30% APRC representative.

  • Only available via a broker
  • Aldermore
  • Mortgage Type
    fixed
  • Only available via a broker
  • Initial Rate
    5.48%
    Fixed for 2 years
  • APRC
    5.80%
  • Monthly Payment
    £919.34
  • ERC
    Yes
  • Fees
    £1,668
  • Max LTV
    100%
  • Speak To An AdvisorClick Here
    Speak To An Advisor
    Click Here
    + Product Details
  • Get advice about the UK mortgage market from MCB Financial Services
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Call Me Back
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Aldermore
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      5.48% Fixed for 2 years
    • Incentives:
      No Higher Lending Charge (HLC).
    • Website:
    • Repayments

    • Initial Monthly Repayment:
      £919.34 x 24
    • Ongoing Monthly Payments:
      £919.34 x 276
    • Total Amount Payable:
      £278,060
    • Total Interest Payable:
      £125,802
    • Fees

    • Product Fee:
      £1,298
    • Valuation Fee:
      £370
    • Charges

    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3.5/3% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 5.48% and then reverting to our variable rate of 5.48% variable for remaining term. 24 monthly payments of £919.34 and 276 monthly payments of £919.34. The total amount payable would be £277,610 made up of the loan amount plus interest £125,802 and a product fee £1,298 and valuation fee £370. The overall cost for comparison is 5.80% APRC representative.

  • Aldermore
  • Mortgage Type
    fixed
  • Initial Rate
    5.48%
    Fixed for 2 years
  • APRC
    5.80%
  • Monthly Payment
    £919.34
  • ERC
    Yes
  • Fees
    £1,668
  • Max LTV
    100%
  • Speak To An AdvisorClick Here
    Speak To An Advisor
    Click Here
    + Product Details
  • Get advice about the UK mortgage market from MCB Financial Services
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Call Me Back
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Aldermore
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      5.48% Fixed for 2 years
    • Incentives:
      No Higher Lending Charge (HLC).
    • Website:
    • Repayments

    • Initial Monthly Repayment:
      £919.34 x 24
    • Ongoing Monthly Payments:
      £919.34 x 276
    • Total Amount Payable:
      £278,060
    • Total Interest Payable:
      £125,802
    • Fees

    • Product Fee:
      £1,298
    • Valuation Fee:
      £370
    • Charges

    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 2 yrs: 3.5/3% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 5.48% and then reverting to our variable rate of 5.48% variable for remaining term. 24 monthly payments of £919.34 and 276 monthly payments of £919.34. The total amount payable would be £277,610 made up of the loan amount plus interest £125,802 and a product fee £1,298 and valuation fee £370. The overall cost for comparison is 5.80% APRC representative.

  • Only available via a broker
  • Aldermore
  • Mortgage Type
    fixed
  • Only available via a broker
  • Initial Rate
    5.68%
    Fixed for 3 years
  • APRC
    5.80%
  • Monthly Payment
    £937.32
  • ERC
    Yes
  • Fees
    £1,668
  • Max LTV
    100%
  • Speak To An AdvisorClick Here
    Speak To An Advisor
    Click Here
    + Product Details
  • Get advice about the UK mortgage market from MCB Financial Services
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Call Me Back
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Aldermore
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      5.68% Fixed for 3 years
    • Incentives:
      No Higher Lending Charge (HLC).
    • Website:
    • Repayments

    • Initial Monthly Repayment:
      £937.32 x 36
    • Ongoing Monthly Payments:
      £920.96 x 264
    • Total Amount Payable:
      £279,135
    • Total Interest Payable:
      £126,877
    • Fees

    • Product Fee:
      £1,298
    • Valuation Fee:
      £370
    • Charges

    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 4/3.5/3% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 36 months at 5.68% and then reverting to our variable rate of 5.48% variable for remaining term. 36 monthly payments of £937.32 and 264 monthly payments of £920.96. The total amount payable would be £278,685 made up of the loan amount plus interest £126,877 and a product fee £1,298 and valuation fee £370. The overall cost for comparison is 5.80% APRC representative.

  • Aldermore
  • Mortgage Type
    fixed
  • Initial Rate
    5.68%
    Fixed for 3 years
  • APRC
    5.80%
  • Monthly Payment
    £937.32
  • ERC
    Yes
  • Fees
    £1,668
  • Max LTV
    100%
  • Speak To An AdvisorClick Here
    Speak To An Advisor
    Click Here
    + Product Details
  • Get advice about the UK mortgage market from MCB Financial Services
    Lines are open 8.30am - 5pm Monday to Friday. Calls may be monitored and recorded.
    Call Me Back
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    • Summary

    • Lender:
      Aldermore
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £25,000
    • Max Loan:
      Varies
    • Product Description:
      5.68% Fixed for 3 years
    • Incentives:
      No Higher Lending Charge (HLC).
    • Website:
    • Repayments

    • Initial Monthly Repayment:
      £937.32 x 36
    • Ongoing Monthly Payments:
      £920.96 x 264
    • Total Amount Payable:
      £279,135
    • Total Interest Payable:
      £126,877
    • Fees

    • Product Fee:
      £1,298
    • Valuation Fee:
      £370
    • Charges

    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 4/3.5/3% Sum Repaid
  • Representative example: A mortgage of £150,000 payable over 25 years initially on a fixed rate for 36 months at 5.68% and then reverting to our variable rate of 5.48% variable for remaining term. 36 monthly payments of £937.32 and 264 monthly payments of £920.96. The total amount payable would be £278,685 made up of the loan amount plus interest £126,877 and a product fee £1,298 and valuation fee £370. The overall cost for comparison is 5.80% APRC representative.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The above results are based on a repayment mortgage of £150,000, on a property value of £150,000, over a term of 25 years. This is a loan to value (LTV) of 100%. Our mortgage comparison service includes providers from whom we may receive commission. This table initially lists featured products. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 11:30, 27/09/2016.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.
The above results are based on a repayment mortgage of £150,000, on a property value of £150,000, over a term of 25 years. This is a loan to value (LTV) of 100%. Our mortgage comparison service includes providers from whom we may receive commission. The mortgage data above was supplied by Moneyfacts Ltd and was last updated 06:06 28/09/2016.The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

More about 100% mortgages

Mortgages that cover the full value of the property being purchased disappeared from the UK market when the credit crunch struck in 2008.

In 2011, however, after coming under pressure to revitalise the flagging housing market and help first time buyers get on to the property ladder a few 100 percent loan-to-value (LTV) products crept back into the banks' and building societies' mortgage ranges.

There are now a number of mortgage lenders offering 100% LTV products to first time buyers that do not have the funds to lay down a deposit.

Since the risk for banks is higher on a 100% mortgage they are subject to more stringent lending criteria than other mortgages and some lenders require that a guarantor - usually a parent or grandparent - will agree to cover the repayments in the event that the borrower cannot meet the monthly costs.

Click here to read our handy guide covering frequently asked questions about mortgages.