In the past, mortgage lenders usually insisted upon a deposit of some level before lending on a property. In recent years lenders have developed a wide range of 100% mortgages for home buyers, especially first time buyers, without the requirement to put down a deposit or leave spare equity. 100% mortgages are very popular in a rising property market.

As the name implies, a 100% mortgage provides the full purchase price for those who do not have a deposit or who would prefer to use their savings to do up their new home. In some cases, your mortgage lender can even provide a 105% mortgage, giving you some extra money to spend on your new home after you buy it.

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Before you get advice from anyone else, speak to one of our experts in your area. Why not take a few minutes to tell us about yourself: contacting us could save you thousands.