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You have a 90% loan-to-value (LTV). We found 238 results for you
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Vernon 2 year discount

Initial rate
2.35% for 2 years
Fees
£999
APRC
4.8% overall cost
Monthly cost
£1111.57 for 24 months
Enquire
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 4.8%. Repayments: 24 months of £1,111.57 at 2.35% (discount), then 276 months of £1,472.77 at 5.2% (variable). Total amount payable £434,161.20 which includes interest of £181,162.20. 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 resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 85 years

Additional criteria may apply.

Hinckley & Rugby Building Society 2 year discount cashback remortgage

Initial rate
2.69% for 2 years
Fees
£999
APRC
5.1% overall cost
Monthly cost
£1154.78 for 60 months
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 5.1%. Repayments: 24 months of £1,154.78 at 2.69% (discount), then 36 months of £1,348.47 at 4.24% (discount), then 240 months of £1,547.68 at 5.89% (variable). Total amount payable £448,701.84 which includes interest of £195,702.84. Arrangement Fee (£199) paid upfront. Completion Fee (£800) with an option to add to the loan. 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 Wales

Are older than 18 years

Available Direct.

Max age at application: 80 years

Max age at term end: 85 years

Minimum income £10,000

Remortgage only.

Additional criteria may apply.

Cambridge Building Society 2 year discount

Initial rate
2.89% for 2 years
Fees
£199
APRC
4.6% overall cost
Monthly cost
£1180.64 for 24 months
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 4.6%. Repayments: 24 months of £1,180.64 at 2.89% (discount), then 276 months of £1,436.91 at 4.89% (variable). Total amount payable £425,121.52 which includes interest of £172,922.52. Application Fee (£199) paid upfront (non-refundable). 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 Wales

Are older than 18 years

Available Direct.

Minimum income £25,000

Additional criteria may apply.

Available via brokers only.

Clydesdale Bank 2 year fixed

Initial rate
2.95% until 31 Jul 2023
Fees
£1999
APRC
4.4% overall cost
Monthly cost
£1188.47 for 27 months
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 4.4%. Repayments: 26 months of £1,188.47 at 2.95% (fixed), then 274 months of £1,390.70 at 4.55% (variable). Total amount payable £413,951.02 which includes interest of £159,952.02. 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

Max age at term end: 75 years

Available via brokers only.

Additional criteria may apply.

Coventry Building Society 2 year fixed

Initial rate
2.99% until 30 Jun 2023
Fees
£999
APRC
4.2% overall cost
Monthly cost
£1193.70 for 62 months
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 4.2%. Repayments: 25 months of £1,193.70 at 2.99% (fixed), then 36 months of £1,318.75 at 3.99% (discount), then 239 months of £1,376.60 at 4.49% (variable). Total amount payable £407,323.90 which includes interest of £154,324.90. 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 resident of Scotland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Additional criteria may apply.

Penrith Building Society 2 year discount remortgage

Initial rate
2.99% for 2 years
Fees
£1199
APRC
4.6% overall cost
Monthly cost
£1193.70 for 24 months
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 4.6%. Repayments: 24 months of £1,193.70 at 2.99% (discount), then 276 months of £1,419.16 at 4.75% (variable). Total amount payable £421,535.96 which includes interest of £168,336.96. Application Fee (£699) paid upfront (non-refundable). Product Fee (£500) 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 Wales

Are older than 18 years

Available Direct.

Remortgage only.

Additional criteria may apply.

Bath Building Society 3 year discount

Initial rate
2.99% for 3 years
Fees
£1208
APRC
4.5% overall cost
Monthly cost
£1193.70 for 36 months
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 4.5%. Repayments: 36 months of £1,193.70 at 2.99% (discount), then 264 months of £1,429.63 at 4.9% (variable). Total amount payable £421,603.52 which includes interest of £168,395.52. Product fee of £1,008. Administration Fee (£125) paid upfront. Completion Fee (£75) paid on completion. 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 Wales

Are older than 18 years

Available Direct.

Max age at application: 85 years

Minimum income £20,000

Available in branch only.

Additional criteria may apply.

Penrith Building Society 2 year discount remortgage

Initial rate
2.99% for 2 years
Fees
£699
APRC
4.5% overall cost
Monthly cost
£1193.70 for 24 months
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 4.5%. Repayments: 24 months of £1,193.70 at 2.99% (discount), then 276 months of £1,419.16 at 4.75% (variable). Total amount payable £421,035.96 which includes interest of £168,336.96. Application Fee (£199) paid upfront (non-refundable). Product Fee (£500) 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 Wales

Are older than 18 years

Available Direct.

Remortgage only.

Additional criteria may apply.

Teachers Building Society 2 year discount

Initial rate
2.99% for 2 years
Fees
£199
APRC
4.6% overall cost
Monthly cost
£1193.70 for 24 months
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 4.6%. Repayments: 24 months of £1,193.70 at 2.99% (discount), then 276 months of £1,438.01 at 4.89% (variable). Total amount payable £425,738.56 which includes interest of £173,539.56. Application Fee (£199) paid upfront (non-refundable). 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 Wales

Are older than 18 years

Available Direct.

Max age at term end: 83 years

Minimum income £13,000

Self employed not accepted.

Additional criteria may apply.

Beverley 2 year fixed

Initial rate
2.99% for 2 years
Fees
£995
APRC
4.8% overall cost
Monthly cost
£1193.70 for 24 months
Representative example:

Repayment mortgage of £252,000 over 25 years, representative APRC 4.8%. Repayments: 24 months of £1,193.70 at 2.99% (fixed), then 276 months of £1,451.56 at 4.99% (variable). Total amount payable £430,274.36 which includes interest of £177,279.36. 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 Wales

Are older than 18 years

Available Direct.

Max age at term end: 85 years

Additional criteria may apply.

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

Frequently asked questions

A 90% LTV mortgage is a higher loan-to-value ratio mortgage that is more readily available than 95% or 100% LTV mortgages, but how do they work and what should you be aware of?

What is 90% loan-to-value

A 90% loan-to-value ratio mortgage refers to the amount you are borrowing (90%) in relation to the value of the property.

The difference between the two, the 10%, is the deposit you need to put forward.

The higher the ratio between the borrowing amount and the value of the home, the higher the risk for the lender.

Should I get a 90% mortgage?

A 90% LTV mortgage is typically more expensive than a lower ratio mortgage because of the risk to the borrower.

To compensate for this risk the lender will typically charge you a higher interest rate, which will add up over the lifetime of the mortgage.

Therefore if you can afford a lower interest rate by putting forward a larger deposit you should consider it.

How can I judge which LTV is suitable?

While taking a lower LTV ratio mortgage will probably lead to a lower interest rate and hence lower costs over the lifetime of the mortgage, you should consider your savings.

The costs of buying a property include stamp duty, solicitor’s fees and mortgage arrangement fees.

Furthermore a house can lead to many unexpected costs, like repairs or fixing small problems around your property. Therefore you should always keep a portion – typically 5% to 10% of the total property value – in reserve.

Looking for a different LTV?

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