How do I get a 100 LTV mortgage?

Some lenders prefer you to be a client already to get a 95% LTV (5% deposit) mortgage but the interest rate would be higher. Another option is to have their parents as guarantor. However, being a guarantor is a big commitment because they'll have to provide enough security to satisfy the lender, such as savings or their own home.

The 95% LTV mortgage option is ideal for young couples who want to get on the property ladder and put more money into the property going forward to reduce the loan to value and interest rate.