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A 100% mortgage can be obtained through a guarantor, who uses their own home or savings as security. If you fall too far behind on repayments, the guarantor's home could be repossessed, or their savings may remain inaccessible until you have paid off a certain amount of the mortgage. You should have a strong credit score, a regular source of income and little to no debt. Lenders will want evidence that you can afford the monthly payments. A good record of paying rent on time may help. These mortgages may have higher interest rates and carry a risk of negative equity.
