Compare no deposit 100% mortgages

3.49% for 3 years (2.1% discount on SVR)

5.59% variable

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	£699 paid on completion
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, in the first year

- 2.00% of amount paid, between 12 and 36 months

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted

Mansfield 3 year discount cashback mortgage

3.69% for 3 years (2.3% discount on SVR)

Area restrictions may apply.

More information

Application fee	£199 paid upfront (non-refundable)
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first three years

Other fees may apply.

Eligibility

Available Direct
Available in England
First Time Buyers
Max age at term end	85 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Mansfield 3 year discount cashback mortgage

3.69% for 3 years (2.3% discount on SVR)

More information

Application fee	£199 paid upfront (non-refundable)
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first three years

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	85 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 3 year fixed for existing borrowers

3.69% fixed for 3 years

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	£999 with an option to add to the loan

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the outstanding balance, in the first year

- 2.00% of the outstanding balance, in the second year

- 1.00% of the outstanding balance, in the third year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Mansfield 5 year fixed cashback mortgage

3.89% fixed for 5 years

More information

Application fee	£199 paid upfront (non-refundable)
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first five years

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	85 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Mansfield 5 year fixed cashback mortgage

3.89% fixed for 5 years

Area restrictions may apply.

More information

Application fee	£199 paid upfront (non-refundable)
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first five years

Other fees may apply.

Eligibility

Available Direct
Available in England
First Time Buyers
Max age at term end	85 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 2 year fixed for existing borrowers

3.89% fixed for 2 years

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of the outstanding balance, in the first year

- 1.00% of the outstanding balance, in the second year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 3 year fixed for existing borrowers

3.89% fixed for 3 years

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the outstanding balance, in the first year

- 2.00% of the outstanding balance, in the second year

- 1.00% of the outstanding balance, in the third year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Tipton & Coseley term discount

3.89% for mortgage term (2% discount on SVR)

3.89% variable

4.0% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Tipton & Coseley term discount

3.89% for mortgage term (2% discount on SVR)

3.89% variable

4.0% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at application	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 2 year BBR tracker for existing borrowers

3.94% base rate tracker for 2 years

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	£999 with an option to add to the loan

Additional information

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 5 year fixed cashback mortgage for existing borrowers

3.99% fixed for 5 years

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	£999 with an option to add to the loan

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of the outstanding balance, in the first year

- 4.00% of the outstanding balance, in the second year

- 3.00% of the outstanding balance, in the third year

- 2.00% of the outstanding balance, in the fourth year

- 1.00% of the outstanding balance, in the fifth year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted	false

Virgin Money 2 year fixed for existing borrowers

4.02% fixed until 01 Dec 2024

Available via brokers only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme. Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000. Available to existing borrowers not moving only.

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of the outstanding balance, before 01 Dec 2024

Other fees may apply.

Eligibility

Available in England
Available in Scotland
Available in Wales
Broker Only
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 2 year BBR tracker for existing borrowers

4.04% base rate tracker for 2 years

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Nationwide 5 year fixed for existing borrowers

4.04% fixed for 5 years

This mortgage is available for new builds only on the Help to Buy Equity loan scheme. Available to existing borrowers not moving only.

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of the outstanding balance, in the first year

- 4.00% of the outstanding balance, in the second year

- 3.00% of the outstanding balance, in the third year

- 2.00% of the outstanding balance, in the fourth year

- 1.00% of the outstanding balance, in the fifth year

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

TSB 5 year fixed for existing borrowers

120%

4.04% fixed until 31 Aug 2027

4.8% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2023

- then 4.00% of amount paid, until 31 Aug 2024

- then 3.00% of amount paid, until 31 Aug 2025

- then 2.00% of amount paid, until 31 Aug 2026

- then 1.00% of amount paid, until 31 Aug 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Virgin Money 2 year fixed for existing borrowers

4.09% fixed until 01 Dec 2024

Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000. Available to existing borrowers not moving only.

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 1.50% of the outstanding balance, before 01 Dec 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Virgin Money 3 year fixed for existing borrowers

4.09% fixed until 01 Dec 2025

Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000. Available to existing borrowers not moving only.

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.50% of the outstanding balance, before 01 Dec 2025

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Virgin Money 5 year fixed for existing borrowers

4.09% fixed until 01 Dec 2027

Available on repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000. Available to existing borrowers not moving only.

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.50% of the outstanding balance, before 01 Dec 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Loughborough 3 year fixed

4.19% fixed for 3 years

5.59% variable

5.4% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	£699 with an option to add to the loan
Product fee	No fee

Additional information

Early repayment charge

If you pay all of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, between 12 and 36 months

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end	80 years
Minimum Age	18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted

TSB 2 year fixed for existing borrowers

120%

4.19% fixed until 31 Aug 2024

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

- then 1.00% of amount paid, until 31 Aug 2024

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Virgin Money 5 year fixed for existing borrowers

4.19% fixed until 01 Dec 2027

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.50% of the outstanding balance, before 01 Dec 2027

Other fees may apply.

Eligibility

Available in England
Available in Scotland
Available in Wales
Broker Only
Existing Borrowers Only
Max age at application	68 years
Max age at term end	75 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Barclays 5 year fixed

4.25% fixed until 30 Nov 2027

4.24% base rate tracker

4.3% APRC

More information

Application fee	No fee
Arrangement fee	No fee
Booking fee	No fee
Completion fee	No fee
Product fee	No fee

Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2027

Other fees may apply.

Eligibility

Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end	70 years
Minimum Age	18 years
Permanent UK Resident
Self Employed Accepted

Scottish Widows Bank 2 year fixed for existing borrowers

120%

4.36% fixed until 31 Oct 2024

3.9% APRC