100% Mortgages - Best Mortgage For You - 100% mortgages are provided by lenders to enable borrowers to purchase a property outright. So if the property costs £100,000 they will lend you £100,000. Hundred percent mortgages in the UK are ideal for people who don't have a deposit – often first time buyers. This firm of independent mortgage advisors will search the whole of the market to find the best rate for you.

Even if you have a history of credit problems, there are many mortgage lenders who will appraise your circumstances and offer a mortgage regardless of previous payment difficulties.

What is classified as 'bad credit'?

Any history of poor credit usage can be regarded as bad credit, including previous mortgage arrears, non-payment (or late payment) of bills or credit cards, county court judgements (CCJs) and even bankruptcy.

Even though you may not have realised it at the time, there's a chance you may have a bad credit rating, which means a lender will need to take a fresh look at your credit status before proceeding with your mortgage application.

Will my mortgage be any different as a result?

The mortgage you are likely to be offered if you have a history of bad debt is sometimes known as a sub-prime or non-standard mortgage. It is no different to a standard mortgage, except that it may be offered at a slightly higher rate.

Once you have been successful in obtaining your mortgage, your credit history immediately improves. As long as you keep up the repayments for a period of time, you will eventually be entitled to re-mortgage to a fully standard mortgage and therefore enjoy a wider range of options.

Will I need to pay a deposit?

No. Even if you are buying for the first time, you could arrange a 100% mortgage.