You can get a mortgage that will let you borrow 100% of the property value and even one that will let you borrow in excess of 100%.

Some graduate mortgages and first time buyer mortgages will let you borrow 110% to allow you to cover your costs associated with moving.

However you need to remember that this means you will owe more than your house is worth; something that is called "negative equity".

As your LTV (Loan to Value) is so high, you can expect to pay a higher rate of interest, and that is a risky strategy as a first time buyer.

Most mortgages should be taken on a repayment basis, as this is the only guaranteed way to reduce your debt.  However there are some first time buyer mortgages which are designed to be interest-only for a set period (typically over 3 years).

This reduces the initial monthly payments but again means that you're only servicing the debt; no capital is actually being repaid during this time. This means you still owe the same amount after the 3 year period is up.

The idea is that by the end of the mortgage period, both your salary and the value of your property will have increased, resulting in you being able to afford to switch to a repayment mortgage deal.