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First Time Buyer Mortgages 100% LTV

Home Mortgages First-Time Buyer mortgages 100% LTV

The chart below show the best mortgage rates available for those who are first-time buyers at 100% LTV. You can personalise the chart by adding the value of the property you want to buy and the value of the mortgage you want to get. If you're not a first-time buyer, you can also search for remortgages and moving home mortgages.

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Compare FTB Mortgage Terms

85% LTV
90% LTV
95% LTV
2 Year
5 Year
Variable
85% LTV
90% LTV
95% LTV
2 Year
5 Year
Variable
85% LTV
90% LTV
95% LTV
2 Year
5 Year
Variable

Best 100% LTV FTB Mortgages

Best 100% LTV FTB Mortgages

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<p>We found <strong>14 PRODUCTS </strong>in total, of which <strong>0 have links to providers</strong></p>

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Selecting ‘Provider Links First’ brings all products that you can apply for directly via Moneyfacts to the top of the chart in rate order. Products that do not have an ‘Go To Provider's Site’ button will appear below, again in rate order. Selecting an option from the drop-down will change the chart to list all products in order depending on the option you have selected, with the best rate being at the top. Products that have ‘Go To Provider's Site’ links will still be in the list but in rate position. Selecting ‘Favourites First’ will bring your chosen products to the top of the chart in rate order with those with Provider Links shown first.

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  • Halifax Fixed
    Rate
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    4.89%
    4.89% Fixed to 31/05/2028
    reverting to 8.24%
    APRC
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    7.4%
    Max LTV
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    100%
    Product Fees
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    £0.00
    Initial Payment
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    £1,156.40
    Total Over
    Press for help tip
    Speak To A Broker
  • Vernon BS Discounted Variable
    Rate
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    5.25%
    5.25% Discounted Variable (collared at 3.00%) (2.70% disc)
    APRC
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    5.4%
    Max LTV
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    100%
    Product Fees
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    £0.00
    Initial Payment
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    £1,198.50
    Total Over
    Press for help tip
    Speak To A Broker
  • Skipton BS Fixed
    Rate
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    5.61%
    5.61% Fixed to 30/04/2030
    reverting to 6.79%
    APRC
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    6.4%
    Max LTV
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    100%
    Product Fees
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    £0.00
    Initial Payment
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    £1,241.35
    Total Over
    Press for help tip
    Speak To A Broker
  • Beverley BS Discounted Variable
    Rate
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    5.64%
    5.64% Discounted Variable (collared at 2.50%) for 3 years (2.35% disc)
    reverting to 7.99%
    APRC
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    7.6%
    Max LTV
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    100%
    Product Fees
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    £995.00
    Initial Payment
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    £1,244.95
    Total Over
    Press for help tip
    Speak To A Broker
  • Buckinghamshire BS Fixed
    Rate
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    5.69%
    5.69% Fixed to 28/02/2030
    reverting to 8.59%
    APRC
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    7.6%
    Max LTV
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    100%
    Product Fees
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    £999.00
    Initial Payment
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    £1,250.97
    Total Over
    Press for help tip
    Speak To A Broker
  • Buckinghamshire BS Fixed
    Rate
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    5.69%
    5.69% Fixed to 28/02/2030
    reverting to 8.59%
    APRC
    Press for help tip
    7.6%
    Max LTV
    Press for help tip
    100%
    Product Fees
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    £999.00
    Initial Payment
    Press for help tip
    £1,250.97
    Total Over
    Press for help tip
    Speak To A Broker
  • Skipton BS Fixed
    Rate
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    5.75%
    5.75% Fixed to 30/04/2030
    reverting to 6.79%
    APRC
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    6.5%
    Max LTV
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    100%
    Product Fees
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    £0.00
    Initial Payment
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    £1,258.21
    Total Over
    Press for help tip
    Speak To A Broker
  • Barclays Mortgage Fixed
    Rate
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    5.76%
    5.76% Fixed to 31/03/2030
    reverting to 6.74%
    APRC
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    6.5%
    Max LTV
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    100%
    Product Fees
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    £0.00
    Initial Payment
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    £1,259.42
    Total Over
    Press for help tip
    Speak To A Broker
  • Buckinghamshire BS Fixed
    Rate
    Press for help tip
    5.79%
    5.79% Fixed to 28/02/2030
    reverting to 8.59%
    APRC
    Press for help tip
    7.6%
    Max LTV
    Press for help tip
    100%
    Product Fees
    Press for help tip
    £999.00
    Initial Payment
    Press for help tip
    £1,263.05
    Total Over
    Press for help tip
    Speak To A Broker
  • Buckinghamshire BS Fixed
    Rate
    Press for help tip
    5.79%
    5.79% Fixed to 28/02/2030
    reverting to 8.59%
    APRC
    Press for help tip
    7.6%
    Max LTV
    Press for help tip
    100%
    Product Fees
    Press for help tip
    £999.00
    Initial Payment
    Press for help tip
    £1,263.05
    Total Over
    Press for help tip
    Speak To A Broker
Representative Example
Note

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177 or email moneyfacts@mab.org.uk. 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.

Provider Links

Links like ‘Go To Provider's Site’ or ‘Speak to a Broker’ connect you to providers or brokers we work with, for which we may receive a commission if you click or apply.

Favourites

Clicking the heart icon marks a product as a favourite for 14 days (if cookies are enabled), allowing you to filter and sort favourites at the top of the list.

100% LTV mortgages first-time buyer mortgages explained

What is a 100% LTV first-time buyer mortgage?

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.

 

Do 100% mortgages exist and are they a good thing?

There are a number of different 100% mortgage options in the marketplace now; Stephen Alger, Business Principal at our partner Mortgage Advice Bureau, explains whether they're a good thing in the video below:

 

Did you find this video useful? For help working out whether a 100% LTV mortgage is right for you, speak to mortgage broker.

How to compare 100% LTV first-time buyer mortgage rates

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. 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.

 

Should I speak to a mortgage broker?

Mortgage brokers remove a lot of the paperwork and hassle of getting a mortgage, as well as helping you access exclusive products and rates that aren’t available to the public. Mortgage brokers are regulated by the Financial Conduct Authority (FCA) and are required to pass specific qualifications before they can give you advice.

 

Speak to an award-winning mortgage broker today

 

MAB is the preferred mortgage broker of Moneyfactscompare.co.uk

 

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Get friendly, expert advice free of charge as a visitor of Moneyfactscompare.co.uk

Mortgage Advice Bureau have 1,600 UK advisers with 200 awards between them.

Speak to an award-winning mortgage broker today.

Call 0808 149 9177 or request a callback

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfactscompare.co.uk visitors that call on 0808 149 9177. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 1pm excluding bank holidays. Calls may be recorded.

Your home may be repossessed if you do not keep up repayments on your mortgage.

 

 

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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.