100% Mortgages - 105% Mortgage - 110% - Buy To Let Mortgages

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100% Mortgages - 105% Mortgage - 110% - Buy To Let Mortgages

You can get a mortgage direct from the lender (banks, building societies and specialist mortgage lenders), or you can use a mortgage broker. You can buy based on 'information' only or get advice and recommendation on a mortgage that suits your particular needs.

If you want the best 100% mortgage try comparing mortgage packages before you sign up. If you're not looking for a 100% mortgage, generally speaking the greater the size of your deposit the more favorable interest rate you can expect, but this isn't always the case. Look out for particular offers on 100% mortgages, there is a lot of competition in this market and some providers do look for a competitive edge by offering more favorable terms.

The Mortgage Directory links you to some of the UK's biggest and best financial institutions and mortgage resources; so you can find the product that's right for you. The directory is here, more specific products can be found by clicking on these links;

If you're looking for a 100% mortgage you will need to consider which of the products in the marketplace best suit your needs. Each lender will have specific terms and conditions linked to their products. Of course always check the small print out. The two main ways to repay your mortgage are 'repayment' and 'interest only'. With a repayment mortgage you make monthly repayments for an agreed period (the 'term') until you've paid back the loan and the interest.

With an interest only mortgage you make monthly repayments for an agreed period but these will only cover the interest on your loan. You'll normally also have to pay into another savings or investment plan that'll hopefully pay off the loan at the end of the term.

Variable Rate 100% Mortgages: Payments usually go up and down in line with the Bank of England interest rate
Fixed Rate 100% Mortgages: Fix the mortgage rate for a specific period
Capped Rate 100% Mortgage: Your rate of interest has an upper ceiling set for a pre-agreed period
Discounted Rate 100%: A rate lower than the standard, often used as an incentive
Flexible 100% Mortgage: Allows some flexibility over mortgage payments
Collared rate 100% Mortgage: Payments are usually variable but will not fall below a pre-agreed level

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