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90% Loan to Value (LTV) Mortgages

A 90% is suitable for those with existing mortgages and those looking to get on the property ladder with a smaller deposit.

90 %

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
Discounted 05/12/2018
Initial rate
1.89%then 5.19% (variable)
Fees
£864fees
Overall cost
4.7%APRC
Monthly cost
£669.63 for 24 months then £930.66 (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
  • No arrears
  • No bankruptcies
  • No repossessions
  • Up to 90.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 05/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £273,798 includes: Loan amount (£160,000); Interest (£112,935); Booking fee (£100); Application fee (£395); Valuation fee (£231); Legal fee (£118); Funds transfer fee (£20); 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 31/01/2019
Initial rate
1.94%then 4.49% (variable)
Fees
£2,043fees
Overall cost
4.1%APRC
Monthly cost
£673.50 for 24 months then £871.66 (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 90.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

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 £258,786 includes: Loan amount (£160,000); Interest (£96,743); 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 31/01/2019
Initial rate
1.94%then 4.49% (variable)
Fees
£2,043fees
Overall cost
4.1%APRC
Monthly cost
£673.50 for 24 months then £871.66 (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
  • Available for existing borrowers switching deals only
  • Up to 90.0% loan-to-value (LTV) available.
  • Eligible for home movers.

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 £258,786 includes: Loan amount (£160,000); Interest (£96,743); 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 31/01/2019
Initial rate
1.94%then 4.74% (variable)
Fees
£1,972fees
Overall cost
4.3%APRC
Monthly cost
£673.50 for 24 months then £892.64 (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 90.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

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 £264,504 includes: Loan amount (£160,000); Interest (£102,532); Application fee (£1,495); 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 31/01/2019
Initial rate
1.95%then 4.74% (variable)
Fees
£2,055fees
Overall cost
4.3%APRC
Monthly cost
£674.28 for 24 months then £892.71 (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 90.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

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 £264,627 includes: Loan amount (£160,000); Interest (£102,572); Application fee (£1,695); Valuation fee (£270); 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
Discounted 05/12/2018
Initial rate
1.95%then 5.64% (variable)
Fees
£1,587fees
Overall cost
5.1%APRC
Monthly cost
£674.28 for 24 months then £970.40 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 90.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 05/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £285,599 includes: Loan amount (£160,000); Interest (£124,013); Booking fee (£199); Application fee (£800); Valuation fee (£295); Legal fee (£118); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 05/12/2018
Initial rate
1.95%then 5.64% (variable)
Fees
£1,587fees
Overall cost
2.0%APRC
Monthly cost
£260.00 for 24 months then £722.67 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 21 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 90.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 05/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £207,284 includes: Loan amount (£160,000); Interest (£45,697); Booking fee (£199); Application fee (£800); Valuation fee (£295); Legal fee (£118); Funds transfer fee (£25); Mortgage discharge fee (£150); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
1.99%then 3.69% (variable)
Fees
£1,551fees
Overall cost
3.4%APRC
Monthly cost
£677.39 for 24 months then £806.70 (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 90.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,456 includes: Loan amount (£160,000); Interest (£78,905); Booking fee (£99); Application fee (£900); Valuation fee (£227); Legal fee (£295); 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 31/03/2019
Initial rate
1.99%then 3.69% (variable)
Fees
£1,551fees
Overall cost
3.4%APRC
Monthly cost
£677.39 for 24 months then £806.70 (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 90.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,456 includes: Loan amount (£160,000); Interest (£78,905); Booking fee (£99); Application fee (£900); Valuation fee (£227); Legal fee (£295); 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 31/03/2019
Initial rate
1.99%then 3.69% (variable)
Fees
£1,301fees
Overall cost
3.4%APRC
Monthly cost
£677.39 for 24 months then £806.70 (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 90.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,206 includes: Loan amount (£160,000); Interest (£78,905); Booking fee (£99); Application fee (£650); Valuation fee (£227); Legal fee (£295); 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.
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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 ratiomortgage 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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