{"id":5289,"date":"2023-05-22T14:36:38","date_gmt":"2023-05-22T13:36:38","guid":{"rendered":"https:\/\/octagoncapital.co.uk\/?page_id=5289"},"modified":"2023-06-07T10:46:20","modified_gmt":"2023-06-07T09:46:20","slug":"100-ltv-mortgages","status":"publish","type":"page","link":"https:\/\/octagoncapital.co.uk\/100-ltv-mortgages\/","title":{"rendered":"100% LTV Mortgages"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;primary-colour&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;35&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; bottom_divider=&#8221;tilt&#8221; uncode_shortcode_id=&#8221;943066&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][vc_custom_heading text_color=&#8221;color-xsdn&#8221; heading_semantic=&#8221;h1&#8243; text_size=&#8221;h1&#8243; uncode_shortcode_id=&#8221;378139&#8243; text_color_type=&#8221;uncode-palette&#8221;]<\/p>\n<h1><span style=\"color: #ffffff;\">Apply For A 100% LTV Mortgage &#8211; Fully Online With The Best Rates!<\/span><\/h1>\n<p>[\/vc_custom_heading][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1581004107867{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;}&#8221;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; el_class=&#8221;inverted-device-order&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;4&#8243; style=&#8221;light&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;491578&#8243;]If you are looking for a 100% LTV mortgage, Octagon Capital can help find the best offer for you. Fill in our simple online form and our team will provide the best rates in your area.[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;743820&#8243;]<\/p>\n<p class=\"palette ev-x8pv31\">As a first-time buyer or existing homeowner, you might not have a deposit saved and are looking for a 100% LTV mortgage.<\/p>\n<p class=\"palette ev-x8pv31\">With a 100% LTV mortgage, you will borrow the full value of the property from a lender. Read on to check if you are eligible and how to get started on your application today!<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][vc_custom_heading subheading=&#8221;*UK Property Only | *Minimum Age 21&#8243; uncode_shortcode_id=&#8221;788436&#8243;]<\/p>\n<div class=\"vc_custom_heading_wrap \">\n<div class=\"heading-text el-text\">\n<p class=\"h2\"><strong><span style=\"color: #602474;\">Apply for a Mortgage Below<\/span><\/strong><\/p>\n<\/div>\n<div class=\"clear\"><\/div>\n<\/div>\n<div id=\"gform_wrapper_3\" class=\"gf_browser_chrome gform_wrapper\">\n<form id=\"gform_3\" 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gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_select'><select name='input_7' id='input_5_7' class='large gfield_select'    aria-required=\"true\" aria-invalid=\"false\" ><option value='Mortgage' >Mortgage<\/option><option value='First Time Buyer' >First Time Buyer<\/option><option value='Remortgage' >Remortgage<\/option><option value='Buy To Let Mortgage' >Buy To Let Mortgage<\/option><\/select><\/div><\/li><li id=\"field_5_4\" class=\"gfield gfield--type-textarea gfield_contains_required field_sublabel_below gfield--has-description field_description_below hidden_label gfield_visibility_visible\"  data-js-reload=\"field_5_4\" ><label class='gfield_label gform-field-label' for='input_5_4'>Tell Us Your Requirements*<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_textarea'><textarea name='input_4' id='input_5_4' 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width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-xl&#8221; radius=&#8221;btn-square&#8221; hover_fx=&#8221;full-colored&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A0333%20414%201491&#8243;]0333 414 1491[\/vc_button][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/4&#8243;][vc_column_text uncode_shortcode_id=&#8221;113440&#8243;]<\/p>\n<h2 style=\"text-align: left;\">Our Partner <span style=\"color: #571577;\">Lenders<\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;3\/4&#8243;][vc_gallery el_id=&#8221;gallery-8545456&#8243; type=&#8221;carousel&#8221; medias=&#8221;4236,4219,2739,4235,2735,2732&#8243; carousel_lg=&#8221;5&#8243; carousel_md=&#8221;5&#8243; carousel_sm=&#8221;3&#8243; gutter_size=&#8221;3&#8243; media_items=&#8221;media|nolink|original,icon|md&#8221; carousel_interval=&#8221;3000&#8243; carousel_navspeed=&#8221;400&#8243; carousel_loop=&#8221;yes&#8221; stage_padding=&#8221;0&#8243; single_overlay_opacity=&#8221;50&#8243; single_overlay_anim=&#8221;no&#8221; single_text_anim=&#8221;no&#8221; single_image_anim=&#8221;no&#8221; single_padding=&#8221;2&#8243; single_border=&#8221;yes&#8221; title=&#8221;Clients&#8221;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;accent&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;377015&#8243; text_color_type=&#8221;uncode-palette&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong>100% LTV Mortgages &#8211; No Win, No Fees<\/strong><\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;192297&#8243; text_color_type=&#8221;uncode-palette&#8221;]Although they are not very common, you might be able to get a mortgage without a deposit.<\/p>\n<p><span style=\"font-weight: 400;\">If you are exploring your options for taking out a no deposit mortgage, there is an important ratio you need to be aware of which will affect the rate of interest you can get: loan-to-value (LTV). This is a way of expressing how much you are borrowing compared with the total value of your property.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your LTV is shown as a percentage and is a key factor in dictating the type of mortgage you will be able to get. As a general rule, the best mortgage deals will be given to those who have a lower LTV.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a 100% LTV mortgage, there is more of a risk to a lender. As you are not providing a deposit, the lender will be offering you the full value of your property as a loan. You will therefore expect high-interest rates on this form of loan.\u00a0<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;171852&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text uncode_shortcode_id=&#8221;194317&#8243;]<\/p>\n<h2><strong><span style=\"color: #800080;\">What is a 100% LTV Mortgage?<\/span><\/strong><\/h2>\n<p class=\"palette ev-x8pv31\">Due to your financial situation, you might be looking for a <a href=\"https:\/\/octagoncapital.co.uk\/low-deposit-mortgages\/\">low deposit mortgage<\/a>. There are certainly options available if you have been unable to save a deposit.<\/p>\n<p class=\"palette ev-x8pv31\">A 100% LTV mortgage is a loan taken out from a bank for the entire cost of the property. This is also known as a no-deposit mortgage.<\/p>\n<p class=\"palette ev-x8pv31\">For Example:<\/p>\n<p class=\"palette ev-x8pv31\">If your property is valued at \u00a3175,000, a 100% LTV mortgage means you would borrow the full \u00a3175,000 from a mortgage lender and you would not put any of your own money in.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image media=&#8221;4365&#8243; media_width_percent=&#8221;100&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;1&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;116351&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;197964&#8243;]<\/p>\n<p style=\"text-align: center;\"><strong><span style=\"color: #800080;\">Speak to Octagon Capital<\/span> on 0333 414 1491 for mortgage rates at a range of different LTVs.<\/strong><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-gyho&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;159506&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A03334141491|||&#8221;]Call us on 0333 414 1491[\/vc_button][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|title:Email%20us%20at%20sales%40octagoncapital.co.uk||&#8221;]Email us at sales@octagoncapital.co.uk[\/vc_button][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/1&#8243;][vc_row_inner][vc_column_inner width=&#8221;1\/1&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;104114&#8243;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #000000;\"><strong>How Does A<span style=\"color: #602474;\">\u00a0100% LTV Mortgage<span style=\"color: #000000;\"><strong> Work?<\/strong><\/span><\/span><\/strong><\/span><\/h2>\n<p>[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;879024&#8243;]100% LTV Mortgages are seen as a risk by banks and traditional lenders as you are no deposit is being offered. Therefore it is more challenging to find a provider who can offer a 100% LTV mortgage and those who do tend to have specific criteria for application approval.<\/p>\n<p>Often you will be required to have a guarantor for your mortgage repayments. This means if you are unable to meet your repayments on time, a guarantor (usually a family member) will be required to make the payments.<\/p>\n<p>Note this is a big financial commitment for your guarantor. If you are able to save even a small deposit, this could be a more desirable option and can help you access better interest rates.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_column_text uncode_shortcode_id=&#8221;144672&#8243;]<\/p>\n<h2><strong>What Is The Eligibility Criteria for a <span style=\"color: #602474;\">100% LTV Mortgage?<\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">There are a few criteria to meet to be eligible for a 100% LTV mortgage. These will be set by the lender and may involve some affordability checks.\u00a0<\/span><\/p>\n<p>The factors\u00a0 that will be considered for you to get a 100% LTV mortgage include:<\/p>\n<ul>\n<li>Your employment situation<\/li>\n<li>How stable your income is<\/li>\n<li>Your credit history<\/li>\n<\/ul>\n<p>To check whether you meet the eligibility requirements it is advised to consult with a mortgage advisor.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text uncode_shortcode_id=&#8221;133982&#8243;]<\/p>\n<p><center><\/center><center><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/wI_h-rYUQWE\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><center><\/center><\/center>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;1&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;511082&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;199053&#8243;]Before applying for a 100% LTV mortgage it is essential that you are confident in your ability to repay your mortgage. There are ways to calculate how much your home will cost you in comparison to how much you earn and spend monthly.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_column_text uncode_shortcode_id=&#8221;120205&#8243;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">What Are The <\/span>Pros <span style=\"color: #000000;\">Of <\/span>100% LTV Mortgages<span style=\"color: #000000;\">?<\/span><\/span><\/h2>\n<p>There are a number of benefits of taking out a 100% LTV Mortgage, including:<\/p>\n<ul>\n<li>You are not required to have a deposit saved<\/li>\n<li>There is the potential for you to build equity over the duration of your mortgage<\/li>\n<li>You could potentially benefit from property value appreciation<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text uncode_shortcode_id=&#8221;588728&#8243;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">What Are The <\/span>Cons <span style=\"color: #000000;\">Of A<\/span> 100% LTV Mortgage<span style=\"color: #000000;\">?<\/span><\/span><\/h2>\n<p>The are some cons to a 100% LTV Mortgage that you should consider. These include:<\/p>\n<ul>\n<li>There are fewer choice of lenders<\/li>\n<li>There will be a higher overall interest costs for the duration of the mortgage<\/li>\n<li>There may be stricter affordability assessments in place before getting approval<\/li>\n<li>You might be required to have a guarantor<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;accent&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;182833&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_column_text text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;778958&#8243; text_color_type=&#8221;uncode-palette&#8221;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #ffffff;\">Why Should I Choose Octagon Capital As My Mortgage Broker?<\/span><\/span><\/h2>\n<p>As an experienced mortgage broker, Octagon Capital can offer expert help in securing you the best rates in your area. We work with more than 100 lenders meaning we can match you with the perfect lender based on your financial situation.<\/p>\n<p>It is free to apply and there is no obligation to proceed with your offer, but we hope that you choose us to get you started on your journey to owning a property. We only require some simple information from you &#8211; so get start started on your application today![\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;555585&#8243;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">What Types Of<\/span><\/span><span style=\"color: #571577;\"> 100% LTV Mortgage <span style=\"color: #000000;\">Are There?<\/span><\/span><\/h2>\n<p>There are various types of mortgages available that you may be offered by a lender. Some of the different types include:<\/p>\n<ul>\n<li aria-level=\"1\"><b>Fixed-rate mortgages<\/b>, the interest rate for this type of mortgage will remain the same for a specified period<\/li>\n<li><b>Tracker mortgages<\/b>, which follow an interest rate index set by the Bank of England<\/li>\n<li><strong>Offset mortgages,<\/strong> this mortgage type offsets savings against the mortgage balance to reduce interest charges<\/li>\n<li aria-level=\"1\"><b>Variable-rate mortgages<\/b>, where the interest rate can fluctuate<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;238294&#8243;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">How Do I Repay My<\/span><\/span><span style=\"color: #571577;\"> 100% LTV Mortgage<span style=\"color: #000000;\">?<\/span><\/span><\/h2>\n<p>Although there are usually various ways to repay your mortgage, a 100% LTV mortgage will be made as a repayment mortgage (an interest-only mortgage is not available).<\/p>\n<p>This means you will make monthly repayments that consist of both a portion the original loan amount and the interest charged. As you progress through the mortgage term, your outstanding balance will decrease and you will eventually fully repay your mortgage.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;167325&#8243;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">What Happens If I Can&#8217;t Meet The Repayments For My<\/span><\/span><span style=\"color: #571577;\">\u00a0100% LTV Mortgage<span style=\"color: #000000;\">?<\/span><\/span><\/h2>\n<p>If you become aware you will struggle to meet your repayments on your 100% LTV mortgage, you must contact your lender immediately to avoid serious consequences such as having your home repossessed.<\/p>\n<p>Your lender might be able to offer offer alternative options such as repayment restructuring, temporary payment breaks, or extending your mortgage term to reduce the monthly payments.<\/p>\n<p>It is crucial before accepting an offer from a lender that you are confident <a href=\"https:\/\/octagoncapital.co.uk\/guides\/which-mortgage-can-i-afford\/\">you can afford the loan<\/a>.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;149210&#8243;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">How To Apply With <\/span>Octagon Capital<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There is a quick and easy process to apply for 100% LTV Mortgages with Octagon Capital. Enter your details using our simple online form and you will hear from a member of our team to get you the best rates.<\/span><\/p>\n<p>Discuss your options with a member of our dedicated team today. You can call us on 0333 414 1491 or email <a href=\"mailto:sales@octagoncapital.co.uk\">sales@octagoncapital.co.uk<\/a>.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-gyho&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;142537&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_custom_heading text_color=&#8221;color-jevc&#8221; uncode_shortcode_id=&#8221;645265&#8243; text_color_type=&#8221;uncode-palette&#8221;]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"color: #000000;\"><strong>You Might Also Be Interested In:\u00a0<\/strong><\/span><\/h2>\n<p>[\/vc_custom_heading][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text uncode_shortcode_id=&#8221;501129&#8243;]<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><a href=\"https:\/\/octagoncapital.co.uk\/70-80-90-ltv-mortgage\/\"><strong>70%, 80%, 90% LTV Mortgages<\/strong> <\/a><\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text uncode_shortcode_id=&#8221;646054&#8243;]<\/p>\n<ul>\n<li style=\"text-align: left;\"><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/octagoncapital.co.uk\/40-50-60-ltv-mortgages\/\">40%, 50%, 60% LTV Mortgages<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text uncode_shortcode_id=&#8221;556152&#8243;]<\/p>\n<ul>\n<li style=\"text-align: left;\"><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/octagoncapital.co.uk\/mortgages-for-over-60s\/\">Mortgages Over 60s<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;color-gyho&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A03334141491|||&#8221;]Call us on 0333 414 1491[\/vc_button][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|title:Email%20us%20at%20sales%40octagoncapital.co.uk||&#8221;]Email us at sales@octagoncapital.co.uk[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-uydo&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.<\/strong><\/p>\n<p style=\"text-align: center;\">A maximum fee of 1% of the loan amount is payable \u2013 for example on a mortgage of \u00a3100,000 the fee would be \u00a31,000, the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is \u00a3150,000 or below, the maximum fee charged is \u00a31,995.<\/p>\n<p style=\"text-align: center;\">SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;primary-colour&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;35&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; bottom_divider=&#8221;tilt&#8221; uncode_shortcode_id=&#8221;943066&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - 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