Mortgage lenders underwrite all mortgage applications and unfortunately any adverse or derogatory comments on your application form, credit file, cifas or cml repossession register cause your risk rating to be higher.(posted 7554 days ago)A mortgage lender would never (when informed on application or discovered) lend you such a high loan to value ratio.
If you could find a 15% deposit or save up for it you would be able to source quite a competitive product from someone like GMAC RFC.
Anyone looking for a 100% + mortgage would need a 'squeaky clean' and regular transactions 0 arrears, credit file. Not mention full wage slips and bank account statements.