...I am short of cash.

If you want a mortgage but you do not have any money to put down as a percentage of the purchase price, probably mortgages with high LTV are your best bet. If you are also unable to cover the initial cost of a mortgage try looking around for a fee-free high LTV mortgage or a cash back mortgage.

To see what fee-free mortgages, 100% mortgages and cash back mortgages are, what are their advantages and why we do not recommend either of them see the following guides:

100% Mortgages

Fee-Free Mortgage

Cash Back Mortgage

Even if your best choice is a specialized mortgage, many of the elements and implications of regular mortgages will still apply. To avoid making a mistake now, that over the course of the mortgage could cost you tens of thousand of pounds please also have a read over our more general guides.

What is a mortgage?

What types of interest rates are there?

What are the mortgage fees?

How do I choose?