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70% Loan to Value (LTV) Mortgages

A 70% mortgage is a very competitive loan-to-value ratio, so there are a huge range of mortgage products available.

70 %

Repayment
Repay both the amount borrowed and the interest, so over time you pay back the loan.

Interest only
Only pay back the interest. That means lower monthly costs but your repayments alone will not pay back the loan.

Repayment
Repay both the amount borrowed and the interest, so over time you pay back the loan.

Interest only
Only pay back the interest. That means lower monthly costs but your repayments alone will not pay back the loan.

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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed 30/04/2019
Initial rate
1.16%then 4.74% (variable)
Fees
£1,972fees
Overall cost
4.3%APRC
Monthly cost
£614.66 for 24 months then £886.56 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales
  • Are older than 18 and younger than 75 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £261,415: Interest (£99,443); Application fee (£1,495); Valuation fee (£270); Legal fee (£117); Mortgage discharge fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/06/2019
Initial rate
1.19%then 3.69% (variable)
Fees
£1,301fees
Overall cost
3.4%APRC
Monthly cost
£616.86 for 24 months then £801.08 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales, Northern Ireland
  • Are older than 18
  • Have no CCJs, arrears, defaults, bankruptcies, repossessions

Additional criteria may apply

Assumed application completion date of 30/06/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £237,205: Interest (£75,904); Booking fee (£99); Application fee (£650); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/06/2019
Initial rate
1.19%then 3.69% (variable)
Fees
£1,301fees
Overall cost
3.4%APRC
Monthly cost
£616.86 for 24 months then £801.08 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales, Northern Ireland
  • Are older than 18
  • Have no CCJs, arrears, defaults, bankruptcies, repossessions

Additional criteria may apply

Assumed application completion date of 30/06/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £237,205: Interest (£75,904); Booking fee (£99); Application fee (£650); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 30/04/2019
Initial rate
1.19%then 4.74% (variable)
Fees
£1,472fees
Overall cost
4.3%APRC
Monthly cost
£616.86 for 24 months then £886.80 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales
  • Are older than 18 and younger than 75 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £261,034: Interest (£99,562); Application fee (£995); Valuation fee (£270); Legal fee (£117); Mortgage discharge fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/06/2019
Initial rate
1.19%then 3.69% (variable)
Fees
£1,551fees
Overall cost
3.4%APRC
Monthly cost
£616.86 for 24 months then £801.08 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales, Northern Ireland
  • Are older than 18
  • Have no CCJs, arrears, defaults, bankruptcies, repossessions

Additional criteria may apply

Assumed application completion date of 30/06/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £237,455: Interest (£75,904); Booking fee (£99); Application fee (£900); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/06/2019
Initial rate
1.19%then 3.69% (variable)
Fees
£1,551fees
Overall cost
3.4%APRC
Monthly cost
£616.86 for 24 months then £801.08 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales, Northern Ireland
  • Are older than 18
  • Have no CCJs, arrears, defaults, bankruptcies, repossessions

Additional criteria may apply

Assumed application completion date of 30/06/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £237,455: Interest (£75,904); Booking fee (£99); Application fee (£900); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 30/04/2019
Initial rate
1.2%then 4.74% (variable)
Fees
£1,472fees
Overall cost
4.3%APRC
Monthly cost
£617.59 for 24 months then £886.88 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales
  • Are older than 18 and younger than 75 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £261,074: Interest (£99,602); Application fee (£995); Valuation fee (£270); Legal fee (£117); Mortgage discharge fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/05/2019
Initial rate
1.23%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.4%APRC
Monthly cost
£619.80 for 24 months then £805.35 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales, Northern Ireland
  • Are older than 18
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 31/05/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £238,632: Interest (£77,152); Application fee (£999); Valuation fee (£240); Legal fee (£126); Funds transfer fee (£35); Mortgage discharge fee (£80); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 30/06/2019
Initial rate
1.23%then 4.74% (variable)
Fees
£1,602fees
Overall cost
4.3%APRC
Monthly cost
£619.80 for 24 months then £887.12 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales
  • Are older than 18 and younger than 75 at mortgage end
  • Have no repossessions

Additional criteria may apply

Assumed application completion date of 30/06/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £261,323: Interest (£99,721); Booking fee (£130); Application fee (£995); Valuation fee (£270); Legal fee (£117); Mortgage discharge fee (£90); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 30/04/2019
Initial rate
1.24%then 3.74% (variable)
Fees
£1,480fees
Overall cost
3.4%APRC
Monthly cost
£620.54 for 24 months then £805.42 (variable)
for 276 months
Am I eligible?
Please ensure you meet these criteria:
  • Are resident of England, Scotland, Wales
  • Are older than 18 and younger than 75 at mortgage end

Additional criteria may apply

Assumed application completion date of 30/04/2017. Repayment mortgage of £160,000 with 300 monthly repayments. Total amount payable £238,669: Interest (£77,189); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

What is a 70% LTV mortgage?

You are eligible for a 70% LTV mortgage if you can put down a deposit of 30% of the value of the property you’re intend to buy.

LTV thresholds decide the mortgage rates you can apply for, a 70% LTV mortgage is at the lower-mid end of LTV values.

Advantages of 70% LTV mortgage

LTV is your loan to value ratio, which is the ratio of the deposit you can put down against how much you will need to borrow with a mortgage to purchase a property.

The bigger the deposit you can put down, the lower your LTV will be. As you’re deemed a less risky borrower if you have a lower LTV, you will enjoy a lower interest rate which mean cheaper monthly repayments.

70% LTV mortgages sit in the low to mid range of LTV thresholds, giving relatively cheap rates.

Aiming for a 70% LTV mortgage

A 30% deposit is worth aiming for. As 70% LTV mortgages offer manageably low interest rates and monthly repayments.

It’s not unfeasible for even first time buyers to be able to save up enough to be apply for a 70% LTV mortgage. A 30% deposit for the average UK home (which costs around £180,000), will be £54,000. Though, more often 70% LTV mortgages are aimed more at those moving home or remortgaging.

Other available LTV mortgages

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