Lenders no longer offer 100% mortgages. The only way to get a 100% mortgage is to buy with a guarantor.
This is a great option if your mum, dad, sibling, uncle, friend, etc would like to assist you to get on the property ladder. The guarantor would need to own a home with sufficient equity in it to guarantee your purchase. There is no cash outlay required by the guarantor, the bank will however take security over the guarantors property as well as the property you are purchasing.
When you purchase with a guarantor you can borrow 100% of the purchase price + additional funds for costs. This can be a great option for those buying second time around who do not receive any stamp duty concessions or grants.