First Time Buyers 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.

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  • Barclays Mortgage's logo'

    Barclays Mortgage 5 Year Fixed

    • Initial Rate
      3.05% Fixed to 31/10/2025
    • APRC
      2.80%
    • Product Fee
      £0
    • Monthly Repayment
      £715.22
    • Lender:
      Barclays Mortgage
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £5,000
    • Max Loan:
      £500,000
    • Product Description:
      3.05% Fixed to 31/10/2025
    • Incentives:
      Free valuation fees for properties valued Max £2M
      No arrangement fees

    • Website:
    • Initial Monthly Repayment:
      £715.22 x 61
    • Ongoing Monthly Payments:
      £686.05 x 239
    • Total Amount Payable:
      £208,474.37
    • Total Interest Payable:
      £57,594.37
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £80
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/10/25: 3% Sum Repaid
  • Mansfield BS's logo'

    Mansfield BS 3 Year Discounted Variable

    • Cashback Available
    • Initial Rate
      3.05% Discounted Variable for 3 years (2.30% disc)
    • APRC
      4.90%
    • Product Fee
      £199
    • Monthly Repayment
      £715.22
    • Lender:
      Mansfield BS
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £250,000
    • Product Description:
      3.05% Discounted Variable for 3 years (2.30% disc)
    • Incentives:
      £400 cashback

    • Ongoing Monthly Payments:
      £715.22 x 36
    • Total Amount Payable:
      £260,727.08
    • Total Interest Payable:
      £109,834.08
    • Valuation Fee:
      £169
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 3 yrs: 3% Mortgage Advance
  • Tipton & Coseley BS's logo'

    Tipton & Coseley BS 5 Year Fixed

    • Initial Rate
      3.09% Fixed to 30/11/2025
    • APRC
      4.30%
    • Product Fee
      £0
    • Monthly Repayment
      £718.36
    • 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:
      3.09% Fixed to 30/11/2025
    • Incentives:
      No arrangement fees

    • Initial Monthly Repayment:
      £718.36 x 62
    • Ongoing Monthly Payments:
      £842.71 x 238
    • Total Amount Payable:
      £246,253.30
    • Total Interest Payable:
      £95,103.30
    • Valuation Fee:
      £225
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/25: 5/4/3/2/1% Outstanding Balance
  • Tipton & Coseley BS's logo'

    Tipton & Coseley BS Discounted Variable

    • Initial Rate
      3.39% Discounted Variable (collared at 2.99%) (1.55% disc)
    • APRC
      3.50%
    • Product Fee
      £0
    • Monthly Repayment
      £742.12
    • 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:
      3.39% Discounted Variable (collared at 2.99%) (1.55% disc)
    • Incentives:
      No arrangement fees

    • Ongoing Monthly Payments:
      £742.12 x 300
    • Total Amount Payable:
      £223,786
    • Total Interest Payable:
      £72,636
    • Valuation Fee:
      £225
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      No
  • Mansfield BS's logo'

    Mansfield BS 5 Year Fixed

    • Cashback Available
    • Initial Rate
      3.89% Fixed for 5 years
    • APRC
      5.00%
    • Product Fee
      £199
    • Monthly Repayment
      £782.67
    • Lender:
      Mansfield BS
    • Max First Time Buyer LTV:
      100%
    • Max House Purchase LTV:
      100%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £50,000
    • Max Loan:
      £250,000
    • Product Description:
      3.89% Fixed for 5 years
    • Incentives:
      £400 cashback

    • Initial Monthly Repayment:
      £782.67 x 60
    • Ongoing Monthly Payments:
      £886.01 x 240
    • Total Amount Payable:
      £260,495.60
    • Total Interest Payable:
      £109,602.60
    • Valuation Fee:
      £169
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      1st 5 yrs: 3% Mortgage Advance
Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. 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.

Our mortgage comparison service is partnered with L&C Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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