100% Mortgage

Looking for a 100% mortgage deal?

100 per cent mortgage deals are not currently available. The maximum loan to value currently available is 90%, so borrowers will need at least a 10% deposit.


During the peak of the property market 100% mortgages helped first time buyers make their first step on to the property ladder, but many found themselves with negative equity - owing more than their house was worth.

Our FREE and impartial mortgage service can help you find the best mortgage deal for your needs:
  • You fill in one simple form
  • An expert will search the market on your behalf
  • You get no obligation quotes and advice

Although 100% mortgage deals are not available, use our free service to compare hundreds of other mortgage quotes - see the table below for some of the latest deals, and click on the links for more information:


Current Mortgage Deals
Initial RateProviderPeriod ToTypeAPR*LTV 
1.99% The Mortgage WorksSep 2011Variable 4.70% 75% More
1.99% Cheltenham & GloucesterJul 2012Variable 4.00% 60% More
1.99% Lloyds TSB ScotlandJul 2012Variable 3.90% 60% More
2.00% Chorley & District BSJul 2011Discounted Variable 5.20% 75% More
2.19% Alliance & LeicesterJul 2012Variable 4.20% 70% More
*APR - Overall Cost for Comparison
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Initial RateProviderPeriod ToTypeAPR*LTV 
2.89%
Lifetime TrackerTracker3.00%70% 
Lifetime Tracker Deal. Capital Repayments up to 10% without penalties.Product fee £1499. Early repayment fee 1% of balance until September 2012. Call 0845 0701720
2.54%
2 YearsTracker3.50%75% 
2 Year Tracker Deal. Capital Repayments up to 10% without penalties. Product fee of £945. Early repayment fee of 2% for first 2 years. Call 0800 1838892
3.39%
2 YearsFixed4.10%60% 
2 Year Fixed Deal. No product fee. An early repayment charge applies until 31/08/2012. Maximum LTV 60%. New purchase only. Call 0800 068 7624
3.75%
NAVariable3.80%75% 
Offset Mortgage Deal. Designed to give you financial flexibility by helping you pay off your borrowing early by bringing all your finances together. Call 0845 8055689
4.95%
Aug 20122 Year Fixed4.24%80% 
First Time Buyer 2 Year Fixed Deal. £995 Product Fee. Call 0800 077 3454 to speak to a Santander Mortgage Specialist
4.99%
Sept 20122 Year Tracker 4.00%85% 
First Time buyer 2 Year Tracker Deal. Product Fee £497. Repayment Mortgage Only. Early Repayment Fees Apply. Call 0845 293 77 26 to speak to a Halifax Mortgage Specialist
5.45%
July 2012Fixed4.10%90% 
First Time Buyer 2 Year Fixed Deal. Early repayment charge until July 2012. Capital Repayments up to 10% without penalties. There is a product fee of £999. Call 0808 1091690
6.89%
Aug 2015Fixed5.20%90% 
First Time Buyer 5 Year Fixed Deal. For new Nat West Customers only. Maximum loan £300k. No Product Fee. Call 0800 1582934
*APR - Overall Cost for Comparison

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

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker