For first time buyer100% Mortgages and loan, there are many banks and brokers who target different areas of the market. A hundred percent mortgage means, that you have borrowed 100% of the value of the house you are buying. To get one, find an independent broker, who specialises in that type that you require. for example sub-prime lending, short term home loans, no deposit equity, business or investment for properties. If you do not have a 100% mortgage, you may find you fill out lots of applications and get credit scored without a successful outcome.