Compare 75% LTV mortgages
Why are you looking for a mortgage?
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Repayment mortgage of £160,000 over 25 years, representative APRC 3.7%. Repayments: 24 months of £568.17 at 0.51% (discount), then 276 months of £849.02 at 4.35% (variable). Total amount payable £247,965.60 which includes interest of £87,965.60. 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 Northern Ireland
Are older than 18 years
Available Direct.
Remortgage only.
Self employed not accepted.
Available in branch only.
Additional criteria may apply.
Yorkshire Building Society 2 year BBR tracker
Repayment mortgage of £160,000 over 25 years, representative APRC 3.7%. Repayments: 28 months of £587.20 at 0.78% (bbr tracker), then 36 months of £799.53 at 3.75% (discount), then 236 months of £851.66 at 4.49% (variable). Total amount payable £247,211.44 which includes interest of £86,216.44. Completion Fee (£995) 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
Available Direct.
Max age at term end: 80 years
Additional criteria may apply.
Progressive Building Society 2 year discount remortgage for properties in Northern Ireland
Repayment mortgage of £160,000 over 25 years, representative APRC 3.8%. Repayments: 24 months of £587.91 at 0.79% (discount), then 276 months of £851.27 at 4.35% (variable). Total amount payable £249,060.36 which includes interest of £89,060.36. 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 Northern Ireland
Are older than 18 years
Available Direct.
Remortgage only.
Self employed not accepted.
Available in branch only.
Additional criteria may apply.
NatWest Int Sols 2 year BBR tracker cashback remortgage
Repayment mortgage of £160,000 over 25 years, representative APRC 3.2%. Repayments: 28 months of £590.05 at 0.82% (bbr tracker), then 272 months of £787.45 at 3.59% (variable). Total amount payable £232,202.80 which includes interest of £70,707.80. 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 Northern Ireland
Are resident of Wales
Are older than 18 years
Max age at term end: 70 years
Remortgage only.
Available via brokers only.
Additional criteria may apply.
The Cumberland 2 year discount remortgage
Repayment mortgage of £160,000 over 25 years, representative APRC 3.7%. Repayments: 24 months of £590.76 at 0.83% (discount), then 276 months of £830.43 at 4.09% (variable). Total amount payable £245,375.92 which includes interest of £83,376.92. Arrangement Fee (£1,999) 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 resident of Scotland
Are resident of Wales
Are older than 18 years
Available Direct.
Remortgage only.
Available in branch only.
Additional criteria may apply.
Santander 2 year fixed remortgage
Repayment mortgage of £160,000 over 25 years, representative APRC 3%. Repayments: 26 months of £591.48 at 0.84% (fixed), then 274 months of £770.52 at 3.35% (variable). Total amount payable £227,249.96 which includes interest of £66,500.96. Product Fee (£749) 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
Available Direct.
Max age at term end: 75 years
Remortgage only.
Additional criteria may apply.
Santander 2 year fixed cashback remortgage
Repayment mortgage of £160,000 over 25 years, representative APRC 3%. Repayments: 26 months of £591.48 at 0.84% (fixed), then 274 months of £770.52 at 3.35% (variable). Total amount payable £227,249.96 which includes interest of £66,500.96. Product Fee (£749) 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
Available Direct.
Max age at term end: 75 years
Remortgage only.
Additional criteria may apply.
TSB 2 year fixed remortgage
Repayment mortgage of £160,000 over 25 years, representative APRC 3.1%. Repayments: 28 months of £591.48 at 0.84% (fixed), then 272 months of £787.62 at 3.59% (variable). Total amount payable £231,789.08 which includes interest of £70,794.08. Product Fee (£995) 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.
TSB 2 year fixed remortgage
Repayment mortgage of £160,000 over 25 years, representative APRC 3.1%. Repayments: 28 months of £591.48 at 0.84% (fixed), then 272 months of £787.62 at 3.59% (variable). Total amount payable £231,789.08 which includes interest of £70,794.08. Product Fee (£995) 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.
TSB 2 year fixed cashback remortgage
Repayment mortgage of £160,000 over 25 years, representative APRC 3.1%. Repayments: 28 months of £591.48 at 0.84% (fixed), then 272 months of £787.62 at 3.59% (variable). Total amount payable £231,789.08 which includes interest of £70,794.08. Product Fee (£995) 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.
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
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