Banks won’t just give you 100% of a property’s purchasing price any more, but if you can get a family member who owns a property to be a guarantor you can still borrow 100%. If that isn’t an option then you need to build at least a 5% deposit to get a mortgage. There are more ways to do that than you probably realise.
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You can get a 100% LTV mortgage with no deposit, or if you have negative equity – but only if you have a guarantor or you’re already a customer of the lender. Compare our best 100% LTV no deposit.
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Refinancing your home mortgage allows accessibility to equity cash accumulated in the home. Getting 100 percent loan-to-value refinancing is difficult but not impossible depending on your credit.