100% Mortgages

We compare 5656 mortgages of which 56 are 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. You can compare the latest rates and other vital information on 100% mortgages in the table below.

Choose a type of mortgage to compare

  • Available for existing borrowers only.
  • NatWest - 2 Year 4.32% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/06/2018
  • Initial Rate
    4.32%
    reverting to4.00%
  • Overall cost for comparison
    4.20%
  • LTV
    100%
  • Fees
  • ERC
  • More Info
    Call Direct0800 158 2907
    Call: 0800 158 2907+ Product Details
  • Call NatWest for more information about this mortgage
    Call Direct: 0800 158 2907
    Lines are open: Monday - Friday 8am - 8pm / Saturday 9am - 4pm (excl. public holidays). Calls may be recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    Click here to find out more

    Product Details

    • Product Rate:
      4.32% Fixed to 30/06/2018; Reverting to an Existing Borrowers Rate of 4.00% for the remaining term of the mortgage
    • Product Fees:
      Booking £995,
    • Exit Fees:
      to 30/6/18: 2/1% Sum Repaid
    • Early Repayment Charges:
      to 30/6/18: 2/1% Sum Repaid
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • Product Repayment Methods:
      Repayment, Interest Only (No Repayment Plan), Interest only Endowment, Interest only Pension lump sum, Interest only Unit TrustOEIC, Interest only Cash ISA, Interest only Investment Bonds, Interest only Stocks & Shares Portfolio, Interest only Sale of Second/Investment property, Interest only Sale of Mortgaged Property, Interest Only Stocks & Shares ISA
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Royal Bank of Scotland - 2 Year 4.32% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/06/2018
  • Initial Rate
    4.32%
    reverting to4.00%
  • Overall cost for comparison
    4.20%
  • LTV
    100%
  • Fees
  • ERC
  • Call Direct0800 096 7446
    Call: 0800 096 7446+ Product Details
  • Call Royal Bank of Scotland for more information about this mortgage
    Call Direct: 0800 096 7446
    Lines open from Monday - Friday 8am - 8pm / Saturday 9am - 4pm. (closed on Sunday).
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Product Details

    • Product Rate:
      4.32% Fixed to 30/06/2018; Reverting to an Existing Borrowers Rate of 4.00% for the remaining term of the mortgage
    • Product Fees:
      Booking £995,
    • Exit Fees:
      to 30/6/18: 2/1% Sum Repaid
    • Early Repayment Charges:
      to 30/6/18: 2/1% Sum Repaid
    • Product Features:
      Portable
    • Product Repayment Methods:
      Repayment, Interest Only (No Repayment Plan), Interest only Endowment, Interest only Pension lump sum, Interest only Unit TrustOEIC, Interest only Cash ISA, Interest only Investment Bonds, Interest only Stocks & Shares Portfolio, Interest only Sale of Second/Investment property, Interest only Sale of Mortgaged Property, Interest Only Stocks & Shares ISA
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.59% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.59%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.59% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      Arrangement £999,
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.64% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.64%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.64% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      Arrangement £999,
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.64% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.64%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.64% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.64% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.64%
    reverting to3.99%
  • Overall cost for comparison
    4.30%
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.64% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment, Interest Only (No Repayment Plan), Interest only Endowment, Interest only Pension lump sum, Interest only Unit TrustOEIC, Interest only Cash ISA, Interest only Investment Bonds, Interest only Stocks & Shares Portfolio, Interest only Sale of Second/Investment property, Interest only Sale of Mortgaged Property, Interest Only Stocks & Shares ISA
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.69% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.69%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.69% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      Arrangement £999,
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.69% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.69%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.69% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.69% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.69%
    reverting to3.99%
  • Overall cost for comparison
    4.30%
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.69% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment, Interest Only (No Repayment Plan), Interest only Endowment, Interest only Pension lump sum, Interest only Unit TrustOEIC, Interest only Cash ISA, Interest only Investment Bonds, Interest only Stocks & Shares Portfolio, Interest only Sale of Second/Investment property, Interest only Sale of Mortgaged Property, Interest Only Stocks & Shares ISA
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.79% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.79%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.79% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      Arrangement £999,
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.79% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.79%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.79% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.79% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.79%
    reverting to3.99%
  • Overall cost for comparison
    4.40%
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.79% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment, Interest Only (No Repayment Plan), Interest only Endowment, Interest only Pension lump sum, Interest only Unit TrustOEIC, Interest only Cash ISA, Interest only Investment Bonds, Interest only Stocks & Shares Portfolio, Interest only Sale of Second/Investment property, Interest only Sale of Mortgaged Property, Interest Only Stocks & Shares ISA
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • NatWest - 2 Year 4.8% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/06/2018
  • Initial Rate
    4.80%
    reverting to4.00%
  • Overall cost for comparison
    4.20%
  • LTV
    100%
  • Fees
  • ERC
  • More Info
    Call Direct0800 158 2907
    Call: 0800 158 2907+ Product Details
  • Call NatWest for more information about this mortgage
    Call Direct: 0800 158 2907
    Lines are open: Monday - Friday 8am - 8pm / Saturday 9am - 4pm (excl. public holidays). Calls may be recorded.
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
    Click here to find out more

    Product Details

    • Product Rate:
      4.80% Fixed to 30/06/2018; Reverting to an Existing Borrowers Rate of 4.00% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/6/18: 2/1% Sum Repaid
    • Early Repayment Charges:
      to 30/6/18: 2/1% Sum Repaid
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • Product Repayment Methods:
      Repayment, Interest Only (No Repayment Plan), Interest only Endowment, Interest only Pension lump sum, Interest only Unit TrustOEIC, Interest only Cash ISA, Interest only Investment Bonds, Interest only Stocks & Shares Portfolio, Interest only Sale of Second/Investment property, Interest only Sale of Mortgaged Property, Interest Only Stocks & Shares ISA
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Royal Bank of Scotland - 2 Year 4.8% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/06/2018
  • Initial Rate
    4.80%
    reverting to4.00%
  • Overall cost for comparison
    4.20%
  • LTV
    100%
  • Fees
  • ERC
  • Call Direct0800 096 7446
    Call: 0800 096 7446+ Product Details
  • Call Royal Bank of Scotland for more information about this mortgage
    Call Direct: 0800 096 7446
    Lines open from Monday - Friday 8am - 8pm / Saturday 9am - 4pm. (closed on Sunday).
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Product Details

    • Product Rate:
      4.80% Fixed to 30/06/2018; Reverting to an Existing Borrowers Rate of 4.00% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/6/18: 2/1% Sum Repaid
    • Early Repayment Charges:
      to 30/6/18: 2/1% Sum Repaid
    • Product Features:
      Portable
    • Product Repayment Methods:
      Repayment, Interest Only (No Repayment Plan), Interest only Endowment, Interest only Pension lump sum, Interest only Unit TrustOEIC, Interest only Cash ISA, Interest only Investment Bonds, Interest only Stocks & Shares Portfolio, Interest only Sale of Second/Investment property, Interest only Sale of Mortgaged Property, Interest Only Stocks & Shares ISA
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.89% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.89%
    reverting to3.99%
  • Overall cost for comparison
    -
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.89% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available for existing borrowers only.
  • Halifax - 4 Year 4.89% Fixed
  • Available for existing borrowers only.
  • Mortgage Type
    Fixed
    Until 30/04/2020
  • Initial Rate
    4.89%
    reverting to3.99%
  • Overall cost for comparison
    4.40%
  • LTV
    120%
  • Fees
  • ERC
  • More Info+ Product Details
  • Product Details

    • Product Rate:
      4.89% Fixed to 30/04/2020; Reverting to an Existing Borrowers Rate of 3.99% for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Early Repayment Charges:
      to 30/4/20: 4/3/3/2% Mortgage Advance
    • Product Features:
      Option to choose combination of mortgage types, Portable
    • ProductNotes:
      Option to choose a combination of selected products.
    • Product Repayment Methods:
      Repayment, Interest Only (No Repayment Plan), Interest only Endowment, Interest only Pension lump sum, Interest only Unit TrustOEIC, Interest only Cash ISA, Interest only Investment Bonds, Interest only Stocks & Shares Portfolio, Interest only Sale of Second/Investment property, Interest only Sale of Mortgaged Property, Interest Only Stocks & Shares ISA
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      No
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      No
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • Tipton & Coseley BS - Discounted Variable
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Discounted Variable
    for Term
  • Initial Rate
    3.19%
    for term
  • Overall cost for comparison
    3.30%
  • LTV
    100%
  • Fees
  • ERC
  • Call Which? Mortgage Advisers Free For Advice0333 220 436
    Monday - Friday 9am - 6pm, Saturday: 9am - 1pm;
    + Product Details
  • Call Which? Mortgage Advisers for independent advice

    • Free initial consultation
    • Fully CeMAP qualified advisers are independent and paid a salary rather than commission
    • Searching all available mortgages to find the best deal for you
    Request a call back >

    Call us free from a mobile of landline on 0333 220 4365

    Call: 0333 220 4365

    Lines are open: Monday - Friday 9am - 6pm, Saturday: 9am - 1pm; Sunday: Closed.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    By clicking on 'request a call back' you will be sent to Which? Mortgage Advisers website, an FCA regulated mortgage intermediary, who will contact you by telephone and/or email to find out more about your requirements. Terms and conditions apply. Which? Mortgage Advisers is a trading name of Which? Financial Services Limited, part of the Which? Group. Which? Financial Services Limited registered in England and Wales company number 07239342. Registered office: 2 Marylebone Road, London, NW1 4DF. Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FFN 527029). For more information on privacy and security, read our privacy policy. Calls may be monitored and recorded.

    Product Details

    • Website:
    • Product Rate:
      3.19% Discounted Variable (collared at 2.99%) (1.80% disc) for the remaining term of the mortgage
    • Product Fees:
      No additional product fees
    • Exit Fees:
    • Early Repayment Charges:
      None
    • Product Features:
      Portable
    • ProductNotes:
      FTB only, collateral charge is secured against a family member's property, charge is released once loan falls below 75% LTV and income checks support lending criteria. Limited to 35% of the borrowing amount. Family member must seek independent legal advice, they are credit checked but no other checks take place during underwirting
    • Product Repayment Methods:
      Repayment
    • Incentives:
      No arrangement fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • Vernon BS - 4 Year 3.4% Discounted Variable
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Discounted Variable
    for 4 years
  • Initial Rate
    3.40%
    reverting to4.95%
  • Overall cost for comparison
    4.50%
  • LTV
    100%
  • Fees
  • ERC
  • Call Which? Mortgage Advisers Free For Advice0333 220 436
    Monday - Friday 9am - 6pm, Saturday: 9am - 1pm;
    + Product Details
  • Call Which? Mortgage Advisers for independent advice

    • Free initial consultation
    • Fully CeMAP qualified advisers are independent and paid a salary rather than commission
    • Searching all available mortgages to find the best deal for you
    Request a call back >

    Call us free from a mobile of landline on 0333 220 4365

    Call: 0333 220 4365

    Lines are open: Monday - Friday 9am - 6pm, Saturday: 9am - 1pm; Sunday: Closed.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    By clicking on 'request a call back' you will be sent to Which? Mortgage Advisers website, an FCA regulated mortgage intermediary, who will contact you by telephone and/or email to find out more about your requirements. Terms and conditions apply. Which? Mortgage Advisers is a trading name of Which? Financial Services Limited, part of the Which? Group. Which? Financial Services Limited registered in England and Wales company number 07239342. Registered office: 2 Marylebone Road, London, NW1 4DF. Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FFN 527029). For more information on privacy and security, read our privacy policy. Calls may be monitored and recorded.

    Product Details

    • Website:
    • Product Rate:
      3.40% Discounted Variable for 4 years (1.55% disc); Reverting to an Existing Borrowers Rate of 4.95% for the remaining term of the mortgage
    • Product Fees:
      Arrangement £199,
    • Exit Fees:
      1st 4 yrs: 3% Sum Repaid; Deeds Fee £30.00 Fixed; Sealing Fee £100.00 Fixed; Redemption Statement Fee £25.00 Fixed
    • Early Repayment Charges:
      1st 4 yrs: 3% Sum Repaid
    • Product Features:
      CamOffset, Option to choose combination of mortgage types, Portable, Split Repayment
    • ProductNotes:
      Available to house purchasers who live within a 25 mile radius of Stockport.
      100% LTV with 20% of savings from a relative in an offset savings account.
    • Product Repayment Methods:
      Repayment, Interest only Endowment (max 60% LTV), Interest only Pension lump sum (max 60% LTV), Interest only Unit TrustOEIC (max 60% LTV), Interest only Cash ISA (max 60% LTV), Interest only Investment Bonds (max 60% LTV), Interest only Stocks & Shares Portfolio (max 60% LTV), Interest only Sale of Second/Investment property (max 60% LTV), Interest only Sale of Mortgaged Property (max 60% LTV), Interest Only Stocks & Shares ISA (max 60% LTV)
    • Incentives:
      Refund valuation fees. £200 towards legal fees. No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • Bath BS - 3 Year 3.69% Discounted Variable
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Discounted Variable
    for 3 years
  • Initial Rate
    3.69%
    reverting to5.29%
  • Overall cost for comparison
    5.20%
  • LTV
    100%
  • Fees
  • ERC
  • Call Which? Mortgage Advisers Free For Advice0333 220 436
    Monday - Friday 9am - 6pm, Saturday: 9am - 1pm;
    + Product Details
  • Call Which? Mortgage Advisers for independent advice

    • Free initial consultation
    • Fully CeMAP qualified advisers are independent and paid a salary rather than commission
    • Searching all available mortgages to find the best deal for you
    Request a call back >

    Call us free from a mobile of landline on 0333 220 4365

    Call: 0333 220 4365

    Lines are open: Monday - Friday 9am - 6pm, Saturday: 9am - 1pm; Sunday: Closed.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    By clicking on 'request a call back' you will be sent to Which? Mortgage Advisers website, an FCA regulated mortgage intermediary, who will contact you by telephone and/or email to find out more about your requirements. Terms and conditions apply. Which? Mortgage Advisers is a trading name of Which? Financial Services Limited, part of the Which? Group. Which? Financial Services Limited registered in England and Wales company number 07239342. Registered office: 2 Marylebone Road, London, NW1 4DF. Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FFN 527029). For more information on privacy and security, read our privacy policy. Calls may be monitored and recorded.

    Product Details

    • Website:
    • Product Rate:
      3.69% Discounted Variable for 3 years (1.60% disc); Reverting to an Existing Borrowers Rate of 5.29% for the remaining term of the mortgage
    • Product Fees:
      Arrangement 0.40% Advance (Min £599.00),
    • Exit Fees:
      1st 3 yrs: 3/3/2% Sum Repaid; Deeds Fee £50.00; Redemption Admin Fee £100.00
    • Early Repayment Charges:
      1st 3 yrs: 3/3/2% Sum Repaid
    • Product Features:
      Portable, Split Repayment
    • ProductNotes:
      All mortgages will require a guarantee from a parent. Property must be located within 30 mile radius of applicant's work and have no more than 4 bedrooms. For loans greater than 80% LTV, additional security will be required in the form of a charge over the parent property. Maximum total of charges over additional security must not exceed 70% of its value.
    • Product Repayment Methods:
      Repayment, Interest only Endowment (max 75% LTV), Interest only Pension lump sum (max 75% LTV), Interest only Cash ISA (max 75% LTV), Interest only Sale of Second/Investment property (max 75% LTV), Interest Only Stocks & Shares ISA (max 75% LTV)
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No
  • Available as a Right to Buy mortgage.
  • Bath BS - 3 Year 3.89% Fixed
  • Available as a Right to Buy mortgage.
  • Mortgage Type
    Fixed
    for 3 years
  • Initial Rate
    3.89%
    reverting to5.29%
  • Overall cost for comparison
    5.30%
  • LTV
    100%
  • Fees
  • ERC
  • Call Which? Mortgage Advisers Free For Advice0333 220 436
    Monday - Friday 9am - 6pm, Saturday: 9am - 1pm;
    + Product Details
  • Call Which? Mortgage Advisers for independent advice

    • Free initial consultation
    • Fully CeMAP qualified advisers are independent and paid a salary rather than commission
    • Searching all available mortgages to find the best deal for you
    Request a call back >

    Call us free from a mobile of landline on 0333 220 4365

    Call: 0333 220 4365

    Lines are open: Monday - Friday 9am - 6pm, Saturday: 9am - 1pm; Sunday: Closed.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    By clicking on 'request a call back' you will be sent to Which? Mortgage Advisers website, an FCA regulated mortgage intermediary, who will contact you by telephone and/or email to find out more about your requirements. Terms and conditions apply. Which? Mortgage Advisers is a trading name of Which? Financial Services Limited, part of the Which? Group. Which? Financial Services Limited registered in England and Wales company number 07239342. Registered office: 2 Marylebone Road, London, NW1 4DF. Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FFN 527029). For more information on privacy and security, read our privacy policy. Calls may be monitored and recorded.

    Product Details

    • Website:
    • Product Rate:
      3.89% Fixed for 3 years; Reverting to an Existing Borrowers Rate of 5.29% for the remaining term of the mortgage
    • Product Fees:
      Arrangement 0.40% Advance (Min £599.00),
    • Exit Fees:
      1st 3 yrs: 3/3/2% Sum Repaid; Deeds Fee £50.00; Redemption Admin Fee £100.00
    • Early Repayment Charges:
      1st 3 yrs: 3/3/2% Sum Repaid
    • Product Features:
      Portable, Split Repayment
    • ProductNotes:
      All mortgages will require a guarantee from a parent. Property must be located within 30 mile radius of applicant's work and have no more than 4 bedrooms. For loans greater than 80% LTV, additional security will be required in the form of a charge over the parent property. Maximum total of charges over additional security must not exceed 65% of its value.
    • Product Repayment Methods:
      Repayment, Interest only Endowment (max 75% LTV), Interest only Pension lump sum (max 75% LTV), Interest only Cash ISA (max 75% LTV), Interest only Sale of Second/Investment property (max 75% LTV), Interest Only Stocks & Shares ISA (max 75% LTV)
    • Incentives:
      No Higher Lending Charge (HLC).
    • First Time Buyer:
      Yes
    • Buy To Let:
      No
    • Remortgage:
      No
    • Cashback:
      No
    • Self Employed:
      Yes
    • Bad Credit:
      No
    • Right To Buy:
      Yes
    • Help To Buy:
      No

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We may receive a commission from some of the companies we refer you to, these are displayed with a green 'More Info' button or a 'Call Direct' telephone number. Tables initially display lenders from whom we receive commission, ordered by initial rate.

Mortgage data supplied by Moneyfacts. Last updated 11:30, 11/02/2016.

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HSBC Mortgages

Call: 0800 077 4339

Whether you are a first time buyer or looking to remortgage, HSBC offers a range of mortgages that are designed to assist our customers.

Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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.

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