Three market industry leader have there option of a 100% mortgage making a return.
Read here if interested http://www.mortgagesolutions.co.uk/your-community/2018/03/21/100-ltv-mortgages-make-comeback-marketwatch/?utm_source=customsell&utm_medium=email&utm_campaign=msol-editorial-newsletter-market-watch-house-advert-bsla-21-march-1521644293
Here is my 2 cents worth.
Yes they should but, under the following criteria.
1) Minimum interest rate should be 5% and this would be fixed for 5 years
2) Bring back Indemnity Insurance that cannot be added to the loan.
3) This lending is only suitable for clients with an excellent credit score
4) This lending is only available to first time buyers.
With the above criteria the banks will limit the amount of 100% mortgage keeping the sale price of house from escalating out of control while giving a good number of FTB’s the ability to get on the housing later.