Mortgage Sorter |100% mortgages No Money Down

Mortgage Crisis Special Note:

100% mortgages are becoming an endangered species. At the time of writing they are being withdrawn from the market by many lenders. To find out what is happening and whether you will be able to get one talk to a mortgage broker soon

To see today's Best Buy 100% mortgages now Click here

A 100% mortgage is where the mortgage lender lends you the full amount that the property costs. (So if the house costs £100,000 you borrow £100,000).

In other words you don't have to put any money down

Usually you'd only get a loan to value mortgage between 75% to 95% (eg if the house cost £100,000 a 75% mortgage means you would borrow £75,000).

The problems with getting a 100% mortgage are:

It will probably cost you a lot more than necessary - you'll be charged a higher interest rate.
You may get tied in - which you want to avoid.
You'll be relying on property prices continuing to rise. If they fall you'll be in a right old pickle called negative equity.
You'll very likely have to pay a mortgage indemnity guarantee policy. This is only good for the lender and doesn't help you.

However if, like many, you don't have enough spare cash and a 100% mortgage is your only realistic option, the good news is that there are some reasonable deals out there.

You've got to shop around to find one. This may be a drag but shouldn't be as difficult if you use an expert see ways to find your mortgage.

Read about Mortgages over 100% LTV

To read more on this subject please see the list below or your mortgage guide or your home buying guide

Read enough? Just want a quote? To get your best mortgage quote quickly and easily we can put you in contact with a recommended mortgage adviser. It's free, completely confidential and there's no obligation at all. Simply fill out the form below


Value of Property	£
		(eg 125000)

Borrow How Much?	£
		(eg 92500)

Your Mortgage Type

First time buyer?		Yes No
Have you found property?		Yes No
Country

Sorry ! The amount you want to borrow is less than £25,000. This is the minimum allowed for a mortgage. But don't worry ! You could get the money via a personal loan. I want a free no obligation loan quote Click OK No thanks. I will change my borrow amount to more than £25,000 Click Cancel

See our info section for First Time Buyers

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Value of Property

£
(eg 159000)

Borrow How Much?

£
(eg 125000)

Your Mortgage Type

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