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Use our rate table below to compare 100% LTV first-time buyer mortgages.  Find out more about comparing 100% LTV first-time buyer mortgages.

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Barclays Mortgage Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Marsden BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Buckinghamshire BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Loughborough BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Bath BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Mansfield BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Tipton & Coseley BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Vernon BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Vernon BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Buckinghamshire BS Logo
Rate
%

APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Representative Example

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 an Adviser' button, when you call an advertised number or when you complete an application.

Still not sure?

Read our mortgage guides
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How much can I borrow for a mortgage?

This guides provides you with the information you need know when deciding how much you can borrow for a mortgage.

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First-time buyer guide

Our guide to help you get financially ready to buy your first home.

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What are mortgage affordability checks?

This guide helps you to understand and prepare for mortgage affordability checks.

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The first-time buyer’s guide to getting on the housing ladder

This guide is essential reading for any first time buyer.

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What are the best 100% LTV first-time buyer mortgages?

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.

How our best 100% LTV first-time buyer mortgage comparison works

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.

How to choose the best 100% LTV first-time buyer mortgage deal for you

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.

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