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    100% Mortgages

    100% mortgages might be rare, but they do exist. If you’re struggling to get a deposit for a house, a specialist mortgage advisor can discuss your options.

    Known as no deposit mortgages, the only 100% LTV mortgages currently available are guarantor mortgages or family assist mortgages via a very small selection of lenders.

    As Whole of Market mortgage brokers, our advice and product suggestions are always unbiased. With access to more lenders, we have a high success rate of matching homebuyers with a mortgage that works for them.

    Speak to us today to arrange your initial consultation.

    Whole of Market Advice

    Below are some of the lenders we deal with, however we have access to the whole of the market, including exclusive deals that you won’t be able to find yourself.

    The Process

    Initial consultation – This informal consultation is your chance to ask questions. We’ll get to know your circumstances and why you’re looking for a 100% mortgage loan.

    Review qualifying criteria – No deposit mortgages are only handed out under very special circumstances and with strict criteria attached. We can let you know whether you’re likely to qualify and why. If not, we’ll discuss other options. This could include shared ownership, for example.

    Talk you through the 100% mortgage – This unique type of mortgage comes with its own pros and cons. We’ll talk you through these in a clear way – we won’t bombard you with jargon. Ensuring our clients are fully informed means they can make the best decision.

    Browse the market – We’ll browse the whole market to find you the right deal.

    Apply – If you’re happy with the mortgage, we will take control of all elements of the application, ensuring a smooth process from start to finish. No fuss, just an efficient, friendly service.

    Meet The Team

    Established in 2014 by Christine Long and David Mortell, Agentis offers expert mortgage advice alongside the personal touch of a smaller, family-run business. As a growing mortgage broker in Peterborough, we have the very best mortgage and protection experts to help people from all walks of life secure and manage their mortgages.

    We’re regulated by the Financial Conduct Authority, so you can choose us with confidence.

    What Our Customers Think

    Star Rating Icons Agentis Financial & Mortgage Solutions

    We cannot recommend Christine from Agentis enough. She has arranged our mortgage for the past 8 years and makes the whole experience so easy and stress free. She is extremely knowledgable and always secures us the best possible mortgage – we wouldn’t use anyone else! Highly recommended.

    Clare Gray

    Star Rating icons Agentis Financial & Mortgage Solutions

    I couldn’t be more happier by choosing Agentis Financial for my first mortgage. I appreciated the time Christine took to explain everything to me and to answer the questions I had. Been very helpful and negotiated the offer for me, saved £3000! Thank you so much

    Indre Talmantaite

    Star Rating Icons Agentis Financial & Mortgage Solutions

    I will never use anyone else. Agentis have helped me with house purchases and re mortgages. I have also recommended them for my sisters first time buy. Christine is always a pleasure to deal with and never fails to get you the best deal.

    James Astill

    Still Have Questions?

    Ready to find the best mortgage rate for you?

    Let us know the best way to reach you and some details about your project, and a buy to let mortgage broker will be in touch with you to talk you through the next steps.

    In a hurry? Speak to our team on 01733 367800 to get started today.

     

     

    Get in Touch

    We have access to the whole of the market to enable us to get you the very best deal that meets your needs.

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      Frequently Asked Questions

      Can you get a 100% mortgage if you’re a first-time buyer?

      It’s not impossible, but you are unlikely to get a 100% mortgage if you’re a first-time buyer.

      Who is likely to secure a 100% mortgage?

      You’re more likely to get approved for a 100% mortgage if you have a good credit score, little or no debt and a regular income. Having a guarantor who also matches this criteria will stand you in good stead.

      Is it possible to get a no deposit mortgage without a guarantor?

      No – you currently need the help of a guarantor to buy a house with no deposit. A guarantor can be a friend or relative.

      Do 100% mortgages come with higher interest rates?

      One of the drawbacks of not putting down a deposit is that interest rates tend to be higher. We can help calculate whether the money you’d save from paying rent for longer would outweigh the cost of this extra interest.

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      Your Mortgage Magazine

      Our quarterly magazine is packed with jargon-free content covering the latest industry updates that affect you and your property-buying plans. Written by mortgage experts, we explain how mortgages work. Wherever you are on the property ladder, you can stay in the know and make the best decisions for you right now.