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Best 100% LTV Mortgage Lenders in the UK

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mortgage lenders

Big financial decisions of life should always be best, and the mortgage is one among them. When it comes to 100% LTV, you need to be on your toes, as it is already tough to get such deals. You should do the proper homework to know the best 100% mortgage lenders available in the market. It can help you make a better decision – LTV Mortgage Lenders

The presence of the options always helps you to make better decisions. Already, the mortgage is a huge decision, and that should be backed-up with proper understating of the available options.

Here is an enriching gathering of the most excellent mortgage providers with 100% LTV.


Of course, you are already aware of this name and know how easy it is for you to rely on it. You can get your 100% LTV/no deposit deal if you fulfil certain conditions. The applicant needs to go through a decided affordability test. Besides, your relatives need to either act as the guarantor or have to put funds parallel to the minimum amount of 5% deposit. There is no escape to this situation, and you have to do things in the decided manner.

Nationwide building society

Another choice is to explore and exploit for your expectations of ‘no down payment’ mortgage. This lender has the prime focus on your credit score performance and your equity. People with high equity can get funds quickly without any advance payment. Besides, the affordability factor is always there on which you have to qualify.

Virgin Money

One more name with no need for introduction. Established in 1995, Virgin Money is known for providing lucrative 0% deposit deals. The lender has some parameters on the product. Employment stability, length of credit history and recent financial behaviour are the principal elements that come under consideration. The conditions are of course, uncompromised because once you qualify for the funds, you get the best services by the lender.

Tipton and Coseley Building Society

It is on the list of best lenders for providing a lowest-priced deal on 100% mortgage. The borrower, however, needs to bring the parents for the back-up. Their income is necessary to lessen the risk of default for the lender. It is the best way that the mortgage provider considers to work for the benefit of both the sides, i.e. lender as well as the borrower.


You already have the idea about this lender. Isn’t it? Mostly online in all of its lending procedures, NatWest is not a new player in the 100% LTV mortgage. For first time buyers, it is one of the best places to avail funds without any deposit. The primary concern of the lender is to show strong efficiency in personal finances.

To be rational, the lender always wants you to have a good credit score, hefty monthly income, laudable debt-to-income ratio and a guarantor with stable finances. The lender also pays attention to your credit mix. Keep the right balance of type of debts. However, every lender is interested in knowing the credit mix, but for NatWest, it is one of the essential elements of loan processing.

Read also: WebMoney Money Transfer


The above lenders are not only best for 100% mortgages but also worthy to hold your trust. Do not forget to play your part with smartness, as the terms and conditions on a ‘no deposit’ mortgage are always inflexible.

Leaving any loophole is not a wise thing to do as you cannot afford that because that brings the rejection right away.  Besides, the main struggle starts when you try to find the most suitable lender because it may be a considerable task. However, you can get a 100% LTV mortgage from a broker such as Shinemortgages.co.uk, which has a whole-of-market approach.  Shine Mortgages, the online broker can help you with its vast panel of 90+ lenders.

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jeffery steven stone August 27, 2020 - 12:00 pm

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