{"id":103412,"date":"2019-01-28T23:20:38","date_gmt":"2019-01-28T16:20:38","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/the-100-mortgage-is-back-is-it-worth-the-risk\/"},"modified":"2019-01-29T00:03:51","modified_gmt":"2019-01-28T17:03:51","slug":"the-100-mortgage-is-back-is-it-worth-the-risk","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/the-100-mortgage-is-back-is-it-worth-the-risk\/","title":{"rendered":"The 100% mortgage is back \u2013 is it worth the risk?"},"content":{"rendered":"


\nA new mortgage from Lloyds Bank lets first-time buyers borrow the entire cost of their new home. But this isn\u2019t a return to the pre-financial crash lending frenzyIt is a 100% mortgage but not, thank goodness, as we once knew them. Lloyds Bank\u2019s new Lend a Hand mortgage offers first-time buyers the chance to borrow the entire price of their new home \u2013 but with the considerable caveat that a relative has to have a lump sum worth 10% that they are willing to tie up for three years, and have it raided if you miss any payments.So, first up: this is no use at all for anyone without a family member with a chunk of cash they don\u2019t need, willing to help them on to the housing ladder. But nor is it the return of the bumper mortgage market we saw in the run-up to the financial crash, where loans of up to 125% were available (leaving some borrowers trapped in negative equity after the downturn). There is still careful thinking to be done before taking on a mortgage this size \u2013 and never more so than now, with uncertainty over Brexit clouding the market. Continue reading…
\n
\nSource : theguardian.com
\nRead more…The 100% mortgage is back \u2013 is it worth the risk?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

A new mortgage from Lloyds Bank lets first-time buyers borrow the entire cost of their...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-103412","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-qTW","jetpack-related-posts":[{"id":103408,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/lloyds-unveils-100-mortgage-for-first-time-buyers\/","url_meta":{"origin":103412,"position":0},"title":"Lloyds unveils 100% mortgage for first-time buyers","date":"January 28, 2019","format":false,"excerpt":"\r Purchasers need no deposit if family can back the loan by moving 10% of price into bank\u2019s saver accountBritain\u2019s biggest lender is to offer 100% mortgages to first-time buyers in a return to lending last seen before the financial crash \u2013 but only if the buyer has family that\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":151199,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/hsbc-and-co-op-bank-cut-mortgage-rates-as-halifax-and-lloyds-ease-rules\/","url_meta":{"origin":103412,"position":1},"title":"HSBC and Co-op Bank cut mortgage rates as Halifax and Lloyds ease rules","date":"April 15, 2025","format":false,"excerpt":"\r Lenders stepping up mortgage price war in apparent response to financial turmoil sparked by US tariffsUK lenders are stepping up a mortgage price war, with HSBC and the Co-operative Bank announcing fresh rate cuts, and Halifax and Lloyds Bank loosening their affordability rules to enable homebuyers to borrow more.The\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":147150,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/nationwide-to-allow-first-time-buyers-to-borrow-six-times-their-earnings\/","url_meta":{"origin":103412,"position":2},"title":"Nationwide to allow first-time buyers to borrow six times their earnings","date":"September 23, 2024","format":false,"excerpt":"\r Building society ramps up mortgage price war with \u2018gamechanging\u2019 move, and it also cuts ratesBritain\u2019s biggest building society is to let first-time buyers borrow up to six times their earnings in what has been labelled a \u201cgamechanging\u201d move that ramps up the mortgage price war.Weeks after it was announced\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":172332,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/uk-house-prices-flat-in-july-says-lloyds-as-buyers-struggle-with-affordability\/","url_meta":{"origin":103412,"position":3},"title":"UK house prices flat in July, says Lloyds, as buyers struggle with affordability","date":"August 7, 2026","format":false,"excerpt":"\r Property prices in \u2018suspended animation\u2019 owing to higher mortgage rates and uncertainty in Middle EastBusiness live \u2013 latest updatesUK house prices were broadly stagnant in July as prospective buyers were squeezed by higher mortgage rates, uncertainty around the Middle East and stretched affordability, according to the lender Lloyds.The average\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":11576,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/lloyds-banking-group-reveals-surge-in-buy-to-let-lending\/","url_meta":{"origin":103412,"position":4},"title":"Lloyds Banking Group reveals surge in buy-to-let lending","date":"April 28, 2016","format":false,"excerpt":"\r UK\u2019s biggest mortgage lender pins rise on rush to beat new stamp duty charges as bank group reveals profits nearly halved in first quarter Lloyds Banking Group \u2013 the UK\u2019s biggest mortgage lender \u2013 has revealed a surge in activity by buy-to-let and second-home buyers in the run-up to\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":117060,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/lloyds-fined-64m-for-unfair-treatment-of-mortgage-customers\/","url_meta":{"origin":103412,"position":5},"title":"Lloyds fined \u00a364m for unfair treatment of mortgage customers","date":"June 11, 2020","format":false,"excerpt":"\r City watchdog rules bank mishandled cases of 526,000 customers who fell into difficultiesLloyds Banking Group has been fined \u00a364m by the City watchdog for failing to treat mortgage customers fairly after they fell into financial difficulty.The fine is linked to Lloyds\u2019 mishandling between 2011 and 2015 of more than\u2026","rel":"","context":"In "Property 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