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100% mortgages

A 100% mortgage loan covers the full value of a property, without the need to put down a deposit.

A 100% mortgage is very popular particularly among first time buyers wishing to get a foot on the property ladder but who do not have a deposit available. While you'll pay more each month in interest you're able to buy a home sooner rather then later.

100% mortgage borrowing is now available to applicants with past bad credit. Previously unavailable, these mortgages now offer you the chance to purchase a property or remortgage at 100% borrowing even if you have impaired credit, for example have missed mortgage payments in the past.

The 100% mortgage is not suitable for everybody's needs and in a falling property market you may end up owing more than your house is worth - "Negative Equity". You should always seek professional advice before deciding on which type of mortgage is most suitable for your needs.

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alexander hall associates limited is authorised and regulated by the Financial Services Authority for pure protection, residential mortgages and general insurance business. We do not charge a fee for residential mortgage advice; however there is an administration fee for processing each of your standard residential mortgage contracts. The typical administration fee is £499. For impaired credit lending the typical fee is 1% of the mortgage loan. For Buy to Let and Commercial Mortgages a fee of 0.5% of the mortgage loan size applies of which £500 is payable on application with the balance payable on completion.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.