Compare 100% Mortgages across the whole market

Compare 100% mortgage options

Looking for a 100% mortgage? Complete the form on this page and Totally Money will connect you with a mortgage expert for independent advice, to ensure a 100 percent mortgage is the best option for your circumstances.

If you are looking to buy property without a deposit, a 100% mortgage may provide a borrowing solution, as they require zero deposit.  100 percent mortgages are particularly well suited to first time buyers, as most lenders apply a significantly lower maximum loan amount on 100% mortgages than on regular mortgages, which is well suited to the budget of those looking to purchase their first home.

One thing to be aware of with 100% mortgages is that many lenders apply a Higher Lending Charge (HLC), in order to offset the increased risk to the lender when the loan to value ratio on a property is very high, usually around above 85-90% of the property value.  The HLC can often be added to your total 100 percent mortgage cost, rather than needing to be paid upfront. 

100 percent mortgages are a good option when buying within a strong property market, where housing prices are rising.  A 100% mortgage may prove to be less of an affordable option if property prices begin to fall - especially if you have opted for an interest-only mortgage where your monthly payments are not reducing the capital – as this can lead to negative equity.  To ensure that a 100% mortgage is the best option for your circumstances, you should speak to an independent mortgage advisor.  Complete the form on this page and Totally Money will connect you with an independent expert for free advice regarding whether a 100 percent mortgage is the best option for your financial situation.