A 100% mortgage is ideal if you're looking to buy a home but don't have a deposit. Ideal if you're a first-time buyer getting your foot on the first rung of the property ladder. If you aren't sure how much you can borrow Contact Us and we find a mortgage rate suitable for you. 

Please note: if you borrow over 90% of the value of your house, you may be charged a Higher Lending Charge (HLC). This charge reflects the increased risk to the lender when the loan is a large percentage of the value of the property. You can choose to add any HLC to your mortgage, increasing the overall amount payable.

Adverse Credit Mortgages:

Non-conforming, sub-prime or bad credit mortgages are becoming common in today's mortgage environment and many of the mortgage lenders are now offering very competitive mortgage products to cater for this growing market.

The overall cost for comparison is 7.7% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case.

We can help with your bad credit history at Metropolis Mortgages. We have a dedicated team with specialist knowledge on providing mortgage solutions for clients that don't typically fit the traditional lender's criteria.

Our expert advisers will support you through the Adverse credit mortgage process providing you with first-class, independent mortgage advice on all the options available, whatever your situation; first-time buyer, home mover, remortgaging or Right to Buy.

We can help whatever the circumstances of your bad credit rating, including (but not limited to):

• Mortgage, Secured Loan and Rent Arrears
• Defaults
• County Court judgements
• Individual Voluntary Arrangements (IVAs)
• Discharged Bankrupts
• Reposession
• No proof of income (including self employed applicants)