Skip to main content
Menu

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.

Loading
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
Stepped until 29/03/2017
Initial rate
0.49%then 4.54% (variable)
Fees
£1,259fees
Overall cost
4.5%APRC
Monthly cost
£566.78 for 6 months then £885.81 (variable)
for 294 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,086 includes: Loan amount (£160,000); Interest (£103,827); Application fee (£545); Valuation fee (£430); Legal fee (£154); Funds transfer fee (£30); Mortgage discharge fee (£75); Deeds release fee (£25); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.19%then 5.44% (variable)
Fees
£2,258fees
Overall cost
4.8%APRC
Monthly cost
£616.86 for 24 months then £946.54 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £278,307 includes: Loan amount (£160,000); Interest (£116,049); Application fee (£1,499); Valuation fee (£405); Legal fee (£120); Funds transfer fee (£35); Mortgage discharge fee (£199); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2018
Initial rate
1.24%then 5.29% (variable)
Fees
£1,484fees
Overall cost
4.7%APRC
Monthly cost
£620.54 for 24 months then £933.99 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,158 includes: Loan amount (£160,000); Interest (£112,674); Application fee (£999); Valuation fee (£230); Legal fee (£105); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£40); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 29/09/2018
Initial rate
1.24%then 5.29% (variable)
Fees
£1,484fees
Overall cost
4.7%APRC
Monthly cost
£620.54 for 24 months then £933.99 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £274,158 includes: Loan amount (£160,000); Interest (£112,674); Application fee (£999); Valuation fee (£230); Legal fee (£105); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£40); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.28%then 4.74% (variable)
Fees
£1,952fees
Overall cost
4.2%APRC
Monthly cost
£623.49 for 24 months then £887.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,872 includes: Loan amount (£160,000); Interest (£99,920); Booking fee (£130); Application fee (£1,345); Valuation fee (£270); Legal fee (£117); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.29%then 3.69% (variable)
Fees
£2,051fees
Overall cost
3.3%APRC
Monthly cost
£624.23 for 24 months then £801.81 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,331 includes: Loan amount (£160,000); Interest (£76,280); Booking fee (£249); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Legal fee (£295); Application fee (£1,250); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.29%then 3.69% (variable)
Fees
£2,051fees
Overall cost
3.3%APRC
Monthly cost
£624.23 for 24 months then £801.81 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,331 includes: Loan amount (£160,000); Interest (£76,280); Booking fee (£249); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Application fee (£1,250); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.29%then 4.49% (variable)
Fees
£1,978fees
Overall cost
4.0%APRC
Monthly cost
£624.23 for 24 months then £866.75 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No arrears
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,181 includes: Loan amount (£160,000); Interest (£94,203); Booking fee (£90); Application fee (£1,499); Valuation fee (£229); Funds transfer fee (£0); Mortgage discharge fee (£106); Deeds release fee (£54); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.29%then 4.74% (variable)
Fees
£2,452fees
Overall cost
4.2%APRC
Monthly cost
£624.23 for 24 months then £887.60 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,412 includes: Loan amount (£160,000); Interest (£99,960); Application fee (£1,995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.34%then 4.49% (variable)
Fees
£2,043fees
Overall cost
4.0%APRC
Monthly cost
£627.94 for 24 months then £867.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,442 includes: Loan amount (£160,000); Interest (£94,399); Booking fee (£150); Application fee (£1,349); Valuation fee (£295); Legal fee (£50); Funds transfer fee (£0); Mortgage discharge fee (£160); Deeds release fee (£39); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.34%then 4.49% (variable)
Fees
£2,043fees
Overall cost
4.0%APRC
Monthly cost
£627.94 for 24 months then £867.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,442 includes: Loan amount (£160,000); Interest (£94,399); Application fee (£1,499); Valuation fee (£295); Legal fee (£50); Funds transfer fee (£0); Mortgage discharge fee (£160); Deeds release fee (£39); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.37%then 4.74% (variable)
Fees
£2,452fees
Overall cost
4.2%APRC
Monthly cost
£630.17 for 24 months then £888.24 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,730 includes: Loan amount (£160,000); Interest (£100,278); Application fee (£1,995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.38%then 4.24% (variable)
Fees
£2,338fees
Overall cost
3.8%APRC
Monthly cost
£630.92 for 24 months then £846.83 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,206 includes: Loan amount (£160,000); Interest (£88,868); Application fee (£1,495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.38%then 4.24% (variable)
Fees
£2,338fees
Overall cost
3.8%APRC
Monthly cost
£630.92 for 24 months then £846.83 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,206 includes: Loan amount (£160,000); Interest (£88,868); Application fee (£1,495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 29/09/2018
Initial rate
1.39%then 3.74% (variable)
Fees
£1,259fees
Overall cost
3.4%APRC
Monthly cost
£631.66 for 24 months then £806.50 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,013 includes: Loan amount (£160,000); Interest (£77,755); Application fee (£999); Valuation fee (£0); Legal fee (£175); Funds transfer fee (£20); Mortgage discharge fee (£65); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 29/09/2018
Initial rate
1.39%then 3.74% (variable)
Fees
£1,259fees
Overall cost
3.4%APRC
Monthly cost
£631.66 for 24 months then £806.50 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,013 includes: Loan amount (£160,000); Interest (£77,755); Application fee (£999); Valuation fee (£0); Legal fee (£175); Funds transfer fee (£20); Mortgage discharge fee (£65); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.39%then 3.69% (variable)
Fees
£1,551fees
Overall cost
3.4%APRC
Monthly cost
£631.66 for 24 months then £802.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,207 includes: Loan amount (£160,000); Interest (£76,656); Booking fee (£99); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Legal fee (£295); Application fee (£900); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.39%then 3.69% (variable)
Fees
£1,301fees
Overall cost
3.4%APRC
Monthly cost
£631.66 for 24 months then £802.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Available for existing customers only
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,957 includes: Loan amount (£160,000); Interest (£76,656); Booking fee (£99); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Legal fee (£295); Application fee (£650); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 29/09/2018
Initial rate
1.39%then 3.74% (variable)
Fees
£1,259fees
Overall cost
3.4%APRC
Monthly cost
£631.66 for 24 months then £806.50 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 29/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,013 includes: Loan amount (£160,000); Interest (£77,755); Application fee (£999); Valuation fee (£0); Legal fee (£175); Funds transfer fee (£20); Mortgage discharge fee (£65); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.39%then 3.69% (variable)
Fees
£1,551fees
Overall cost
3.4%APRC
Monthly cost
£631.66 for 24 months then £802.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,207 includes: Loan amount (£160,000); Interest (£76,656); Booking fee (£99); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Legal fee (£295); Application fee (£900); Fees are assumed to be paid up front and not included in the amount borrowed.

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

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this mortgage comparison service

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.