Until recently, borrowing money for a new kitchen, second-story addition, or other home improvement meant going to the bank, seeing a loan officer, and hoping for the best. Today, however, you have many more options to help finance home improvements. A mortgage broker, for example, can offer more than 200 different loan programs. And brokers are just one of the many lenders eager to put together a loan that fits your situation—even if your credit history is less than perfect. If you’re struggling to save up a deposit to buy your first home, you may be able to get on the property ladder with a 100% LTV mortgage - also known as a no deposit mortgage. Here, we explain all you need to know about how this type of mortgage works and what your options are. How to get started: Shop around with at least three lenders or a mortgage broker to increase your chances of getting a low interest rate. “You should definitely shop around for a mortgage,” Fleming says. “It doesn’t take much to get licensed to sell mortgages, but it takes years to understand how the products work and quick ppp loan approval how they impact borrowers. It’ll save you heartaches and, most likely, money, in the long run.”