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We have devoted a lot of time and resources to locating the most reliable information on historical mortgage interest ratess from a large list of mortgages rate websites. You may also be charged an above-average interest rate and a mortgage indemnity premium. Even large, reputable lenders often will not verbally point out that some of these terms that are in your loan offer. Opting for a 100% mortgage means that you could risk facing a negative equity situation if house prices fall. Rates may be fixed, variable, discounted or capped. no deposit is required. A 100% mortgage offers you a borrowing of 100% of the value of the property, i.e. You should always read the loan documents in full and ask about these terms.