100 Percent Mortgages

Featuring a Loan to Value (LTV) of 100%, 100% mortgages are ideal for people with no deposit. Compare the latest rates on 100% mortgages from the UK’s leading lender below.

Click below on the type of mortgage you want to compare

100% mortgages

Mortgage Type

Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years.
Tracker: The interest rate rises and falls with the Bank of England base rate.
Standard: The interest rate rises and falls with the provider’s standard interest rate (SVR).
Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period.
Buy to Let: For landlords purchasing a property for letting.

Initial Rate

The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.

Initial
Term

The length of time that the initial interest rate applies to the mortgage.

Final
Rate

The interest rate that your mortgage will revert to after any introductory rates have finished.

Cost For Comparison

This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.

Loan to value

The percentage of a property’s value for which the mortgage can be used.
Example: 75% loan to value = 25% deposit.

Fee to
Apply

This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.

NatWest
2yr 5.89% Fxd LTV 100% Ex/B Direct
[Show Details]		Fixed5.89%31/07/20144.00%4.40%100%£799MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Existing Borrower:yes
Minimum Deposit:See Lender
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 158 2907
Royal Bank of Scotland
2yr 5.89% Fxd LTV 100% Ex/B Direct
[Show Details]		Fixed5.89%31/07/20144.00%4.40%100%£799MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Existing Borrower:yes
Minimum Deposit:See Lender
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 068 7678
NatWest
2yr 6.15% Fxd LTV 100% Ex/B "In Deal" Direct
[Show Details]		Fixed6.15%31/07/20144.00%4.50%100%£999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Existing Borrower:yes
Minimum Deposit:See Lender
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 158 2907
NatWest
2yr 6.15% Fxd LTV 100% Ex/B Main A/C Direct
[Show Details]		Fixed6.15%31/07/20144.00%4.40%100%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Existing Borrower:yes
Minimum Deposit:See Lender
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 158 2907
Royal Bank of Scotland
2yr 6.15% Fxd LTV 100% Ex/B "In Deal" Direct
[Show Details]		Fixed6.15%31/07/20144.00%4.50%100%£999MORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Existing Borrower:yes
Minimum Deposit:See Lender
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 068 7678
Royal Bank of Scotland
2yr 6.15% Fxd LTV 100% Ex/B Main A/C Direct
[Show Details]		Fixed6.15%31/07/20144.00%4.40%100%No FeeMORE INFO
Read this before you proceed.
To qualify for this product you need to meet the following criteria.
Existing Borrower:yes
Minimum Deposit:See Lender
First time buyer:no
Homemover:no
Remortgage:no
Call Direct
0800 068 7678
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

100% mortgages explained

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 per cent 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.

Read Know Your Money's guide to getting on the property ladder.

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