The friendly mortgage advisers at Mortgage Advice Bureau can help get you on the property ladder. We can help you save for a deposit, get an Agreement in Principle and advise on the most affordable mortgage that fits your needs. Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177 or email firstname.lastname@example.org. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%.
Any contractual relationship will be with Mortgage Advice Bureau.Disclaimer
Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.Quick Links
Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go to Provider' or 'Speak to a Broker' button, when you call an advertised number or when you complete an application.
A 100% LTV (or Loan To Value) first-time buyer mortgage is one where you do not put down any deposit toward the purchase of your property - with the mortgage lender lending all (100%) of the cost of your new home. While these are a good idea for first-time buyers who for whatever reason have not built up a suitable deposit it is usually the case that these will attract higher interest rates than other mortgages.
Using our comparison table is easy and will enable you to find the best 100% LTV mortgage available. At the top of our charts come those providers who you can contact directly from our site – These are clearly marked with by the ‘Go To Provider’s Site’ button. Beneath these are the deals form the rest of the marketplace – here you can speak to a mortgage advisor who can help you with your application or more info. Both types of deal are listed in interest rate order. To reorder the whole table into rate order, just untick the box at the top of the search table.
Choosing the best 100% LTV first-time buyer mortgage depends on a number of factors – not least of which is finding a deal which suits your needs. Likely you’ll have to choose whether you would prefer the set repayments of a fixed rate deal or if you feel more comfortable with a variable rate deal. Watch out for any additional benefits – such as free legal fees or cashback – being offered by the mortgage provider.
Before you apply for a mortgage it's important to check your credit score.
Second charge mortgages are secured loans taken out against the equity available in your current home.
This guide explains when it might be the right time to remortgage.