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A mortgage which offers you a borrowing of 100% (sometimes more) of the value of the property, so no deposit is required. Rates may be fixed, variable, discounted or capped. It depends on the prevailing economic conditions and state of the property market as to whether any lender is prepared to offer a 100% Mortgage. In order for a Lender to control their own risk, the mortgaged property price must be rising, so that the lenders interest in the property slowly reduces to a less risky level.
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