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You have a 65% loan-to-value (LTV). We found 3639 results for you
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Available via brokers only.

Santander 2 year fixed remortgage

Initial rate
1.05% until 02 Aug 2023
Fees
£1249
APRC
3% overall cost
Monthly cost
£690.04 for 27 months
Enquire
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 3%. Repayments: 26 months of £690.04 at 1.05% (fixed), then 274 months of £878.31 at 3.35% (variable). Total amount payable £259,846.98 which includes interest of £76,597.98. Product Fee (£1,249) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Max age at term end: 75 years

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Available via brokers only.

Santander 2 year fixed cashback remortgage

Initial rate
1.05% until 02 Aug 2023
Fees
£1249
APRC
3% overall cost
Monthly cost
£690.04 for 27 months
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 3%. Repayments: 26 months of £690.04 at 1.05% (fixed), then 274 months of £878.31 at 3.35% (variable). Total amount payable £259,846.98 which includes interest of £76,597.98. Product Fee (£1,249) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Max age at term end: 75 years

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Available via brokers only.

Santander 5 year fixed remortgage

Initial rate
1.19% until 02 Aug 2026
Fees
£1249
APRC
2.6% overall cost
Monthly cost
£701.67 for 63 months
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 2.6%. Repayments: 62 months of £701.67 at 1.19% (fixed), then 238 months of £855.95 at 3.35% (variable). Total amount payable £248,468.64 which includes interest of £65,219.64. Product Fee (£1,249) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Max age at term end: 75 years

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Available via brokers only.

Santander 5 year fixed cashback remortgage

Initial rate
1.19% until 02 Aug 2026
Fees
£1249
APRC
2.6% overall cost
Monthly cost
£701.67 for 63 months
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 2.6%. Repayments: 62 months of £701.67 at 1.19% (fixed), then 238 months of £855.95 at 3.35% (variable). Total amount payable £248,468.64 which includes interest of £65,219.64. Product Fee (£1,249) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Max age at term end: 75 years

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Available via brokers only.

The Mortgage Works 2 year fixed

Initial rate
1.19% until 31 Jul 2023
Fees
£3640
APRC
4.3% overall cost
Monthly cost
£701.67 for 27 months
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 4.3%. Repayments: 26 months of £701.67 at 1.19% (fixed), then 274 months of £1,006.42 at 4.74% (variable). Total amount payable £297,642.50 which includes interest of £112,002.50. Arrangement fee of £3,640. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Wales

Available via brokers only.

Additional criteria may apply.

Available via brokers only.

Furness Building Society 2 year fixed

Initial rate
1.19% for 2 years
Fees
£999
APRC
4.6% overall cost
Monthly cost
£701.67 for 24 months
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 4.6%. Repayments: 24 months of £701.67 at 1.19% (fixed), then 276 months of £1,047.29 at 5.14% (variable). Total amount payable £306,891.12 which includes interest of £123,892.12. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are older than 18 years

Max age at term end: 80 years

Available via brokers only. Area restrictions may apply.

Additional criteria may apply.

Available via brokers only.

TSB 2 year fixed cashback remortgage

Initial rate
1.24% until 31 Aug 2023
Fees
£1495
APRC
3.3% overall cost
Monthly cost
£705.86 for 28 months
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 3.3%. Repayments: 27 months of £705.86 at 1.24% (fixed), then 273 months of £900.48 at 3.59% (variable). Total amount payable £266,384.26 which includes interest of £82,889.26. Product Fee (£1,495) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Wales

Are older than 18 years

Max age at term end: 75 years

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Available directly from the provider only.

TSB 2 year fixed remortgage

Initial rate
1.24% until 31 Aug 2023
Fees
£1495
APRC
3.3% overall cost
Monthly cost
£705.86 for 28 months
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 3.3%. Repayments: 27 months of £705.86 at 1.24% (fixed), then 273 months of £900.48 at 3.59% (variable). Total amount payable £266,384.26 which includes interest of £82,889.26. Product Fee (£1,495) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Available via brokers only.

TSB 2 year fixed remortgage

Initial rate
1.24% until 31 Aug 2023
Fees
£1495
APRC
3.3% overall cost
Monthly cost
£705.86 for 28 months
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 3.3%. Repayments: 27 months of £705.86 at 1.24% (fixed), then 273 months of £900.48 at 3.59% (variable). Total amount payable £266,384.26 which includes interest of £82,889.26. Product Fee (£1,495) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Wales

Are older than 18 years

Max age at term end: 75 years

Remortgage only.

Available via brokers only.

Additional criteria may apply.

Available via brokers only.

The Mortgage Works 2 year fixed cashback mortgage

Initial rate
1.24% until 31 Jul 2023
Fees
£3640
APRC
4.3% overall cost
Monthly cost
£705.86 for 27 months
Representative example:

Repayment mortgage of £182,000 over 25 years, representative APRC 4.3%. Repayments: 26 months of £705.86 at 1.24% (fixed), then 274 months of £1,006.92 at 4.74% (variable). Total amount payable £297,888.44 which includes interest of £112,248.44. Arrangement fee of £3,640. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Wales

Available via brokers only.

Additional criteria may apply.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

What is a 65% LTV mortgage?

If you can put down a deposit of at 35% of your property’s value you are eligible to apply for a 65% LTV mortgage.

Mortgages rates are determined by LTV values, which are set at incremental thresholds between 60% and 100%. The rates offered become more or less expensive depending on the threshold, 65% LTV are near the cheapest.

What are the benefits of a 65% LTV mortgage?

LTV, which stands for loan to value ratio, is size of your deposit against the amount of money you will need to borrow to purchase the property you’re planning to buy.

If you can put down a bigger deposit your LTV will be correspondingly lower. This is important because a lower LTV will get you a lower interest rate and cheaper monthly repayments.

65% LTV mortgages tend to be the second lowest threshold offered, giving very cheap rates, but not the cheapest.

Getting a 65% LTV mortgage

Raising a 35% deposit takes most people many years of saving, or will be raised by the sale of their last home, so it’s rare for first time buyers to be able to apply for a 65% LTV mortgage.

If you are moving, downsizing to a lower value home could see you get a bigger deposit and make a 65% LTV mortgage a possibility.

If you’re 65% LTV mortgage is worth it in the long term as the lower rates and lower repayments could save you thousands, even tens of thousands.

Find alternative LTV mortgages

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