Skip to main content
Menu

75% Loan to Value (LTV) Mortgages

There are a wide-range of 75% mortgages available with great interest rates for those looking to remortgage or first-time buyers.

75 %

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 01/04/2017
Initial rate
0.49%then 4.54% (variable)
Fees
£1,259fees
Overall cost
4.5%APRC
Monthly cost
£566.78 for 5 months then £887.00 (variable)
for 295 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 01/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,757 includes: Loan amount (£160,000); Interest (£104,498); 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 01/10/2018
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 01/10/2016. 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 01/10/2018
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 01/10/2016. 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 01/10/2018
Initial rate
1.29%then 3.69% (variable)
Fees
£1,707fees
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
  • 75 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 01/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,987 includes: Loan amount (£160,000); Interest (£76,280); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); 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 31/10/2018
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 01/10/2018
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 01/10/2016. 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 31/10/2018
Initial rate
1.39%then 3.74% (variable)
Fees
£1,745fees
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
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Available for existing customers only
  • 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 £239,500 includes: Loan amount (£160,000); Interest (£77,755); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£265); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/10/2018
Initial rate
1.39%then 3.74% (variable)
Fees
£1,745fees
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
  • Aged 18 or older
  • 75 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 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,500 includes: Loan amount (£160,000); Interest (£77,755); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£265); 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 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 £238,207 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 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 £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
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 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 £238,207 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
Tracker until 01/10/2018
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 01/10/2016. 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 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 £238,207 includes: Loan amount (£160,000); Interest (£76,656); Booking fee (£99); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); 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 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 £237,957 includes: Loan amount (£160,000); Interest (£76,656); Booking fee (£99); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Application fee (£650); 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 75% LTV mortgage?

Anyone who has a deposit totalling 25% of the value of the property they wish to buy can get a 75% LTV mortgage.

The mortgage rates that will be available to you are set by LTV thresholds. A 75% LTV mortgage is in the mid-range of mortgage LTV thresholds.

Advantages of 75% LTV mortgage

LTV stands for ‘loan to value’ and means the difference between the size of your deposit and the size of the mortgage.

Lower LTVs require larger deposits and vice versa. The lower your LTV, the less risky a borrower you are deemed by lenders. This means you will enjoy a lower interest rate and in turn lower monthly repayments.

75% LTV mortgages are in the middle range of LTV thresholds, giving cheaper rates than the higher LTV mortgages of 80% and above.

Getting a 75% LTV mortgage

Raising a 25% deposit will be achievable by many people, but is still likely to require many years of saving, or funds raised from moving house.

75% LTV mortgages are a sensible threshold to aim for (even for first time buyers) as the interest rates and monthly repayments will be considerably more manageable than those available with 80-95% LTV mortgages.

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.