: The "security property" typically cannot exceed 75% LTV after you take the extra funds out.

: Some products require a family member to offer their own savings or property as collateral.

While a buy-to-let mortgage where you provide zero cash or security does not exist in the standard market, achieving 100% funding is possible through specialized strategies like leveraging existing equity or using additional security. 1. The Strategy: Borrowing Against Equity

Lenders view 100% borrowing as high risk because there is no "cushion" if property values fall.

For buy-to-let, the loan amount is primarily determined by the property's potential income, not just your salary. 100% buy to let mortgage - Commercial Trust