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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
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
Discounted until 29/09/2018
Initial rate
1.89%then 5.19% (variable)
Fees
£468fees
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% 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 £273,402 includes: Loan amount (£160,000); Interest (£112,935); Booking fee (£99); 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 until 31/10/2018
Initial rate
1.94%then 4.74% (variable)
Fees
£1,952fees
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% 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 £264,484 includes: Loan amount (£160,000); Interest (£102,532); 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
Discounted until 29/09/2018
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% 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 £285,599 includes: Loan amount (£160,000); Interest (£124,013); Application fee (£800); Booking fee (£199); 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 until 31/12/2018
Initial rate
1.97%then 3.69% (variable)
Fees
£2,051fees
Overall cost
3.5%APRC
Monthly cost
£675.83 for 24 months then £806.56 (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% 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 £240,881 includes: Loan amount (£160,000); Interest (£78,830); 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
1.97%then 3.69% (variable)
Fees
£2,051fees
Overall cost
3.5%APRC
Monthly cost
£675.83 for 24 months then £806.56 (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% 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 £240,881 includes: Loan amount (£160,000); Interest (£78,830); 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
Discounted until 29/09/2018
Initial rate
1.99%then 5.29% (variable)
Fees
£1,984fees
Overall cost
4.8%APRC
Monthly cost
£677.39 for 24 months then £940.11 (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 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 £277,711 includes: Loan amount (£160,000); Interest (£115,727); Application fee (£1,499); 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 01/12/2018
Initial rate
1.99%then 5.74% (variable)
Fees
£1,574fees
Overall cost
5.2%APRC
Monthly cost
£677.39 for 24 months then £979.57 (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
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 01/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £288,191 includes: Loan amount (£160,000); Interest (£126,617); Booking fee (£199); Application fee (£800); Valuation fee (£355); Legal fee (£50); Funds transfer fee (£30); Mortgage discharge fee (£140); 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
2.04%then 4.49% (variable)
Fees
£2,043fees
Overall cost
4.1%APRC
Monthly cost
£681.29 for 24 months then £872.40 (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% 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 £259,175 includes: Loan amount (£160,000); Interest (£97,132); 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
2.04%then 4.49% (variable)
Fees
£2,043fees
Overall cost
4.1%APRC
Monthly cost
£681.29 for 24 months then £872.40 (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% 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 £259,175 includes: Loan amount (£160,000); Interest (£97,132); 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
Discounted until 29/09/2018
Initial rate
2.05%then 4.99% (variable)
Fees
£1,009fees
Overall cost
4.6%APRC
Monthly cost
£682.07 for 24 months then £914.72 (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
  • 65 or younger at mortgage end
  • 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 £269,842 includes: Loan amount (£160,000); Interest (£108,833); Application fee (£499); Valuation fee (£290); Funds transfer fee (£30); Mortgage discharge fee (£140); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 29/09/2018
Initial rate
2.09%then 5.64% (variable)
Fees
£1,587fees
Overall cost
5.1%APRC
Monthly cost
£685.20 for 24 months then £971.54 (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% 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 £286,176 includes: Loan amount (£160,000); Interest (£124,589); 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 until 31/10/2018
Initial rate
2.13%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.4%APRC
Monthly cost
£688.34 for 24 months then £894.06 (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% 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 £264,733 includes: Loan amount (£160,000); Interest (£103,281); Booking fee (£130); Application fee (£845); 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 31/01/2019
Initial rate
2.14%then 4.49% (variable)
Fees
£1,888fees
Overall cost
4.2%APRC
Monthly cost
£689.13 for 24 months then £873.12 (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 90% 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 £259,409 includes: Loan amount (£160,000); Interest (£97,521); 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
Discounted until 29/09/2018
Initial rate
2.14%then 4.74% (variable)
Fees
£1,731fees
Overall cost
4.4%APRC
Monthly cost
£689.13 for 24 months then £894.13 (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
  • 75 or younger at mortgage end
  • No arrears
  • 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 £265,051 includes: Loan amount (£160,000); Interest (£103,320); Application fee (£995); Valuation fee (£336); Legal fee (£250); Funds transfer fee (£25); Mortgage discharge fee (£75); Deeds release fee (£50); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 29/09/2018
Initial rate
2.19%then 3.74% (variable)
Fees
£1,259fees
Overall cost
3.5%APRC
Monthly cost
£693.06 for 24 months then £812.05 (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 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 £242,018 includes: Loan amount (£160,000); Interest (£80,759); 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 30/11/2018
Initial rate
2.19%then 4.7% (variable)
Fees
£1,414fees
Overall cost
4.3%APRC
Monthly cost
£693.06 for 24 months then £891.12 (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 County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 90% 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 £263,997 includes: Loan amount (£160,000); Interest (£102,583); Application fee (£499); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); 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
2.19%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.3%APRC
Monthly cost
£693.06 for 24 months then £891.12 (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 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 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,497 includes: Loan amount (£160,000); Interest (£102,583); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); 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 31/10/2018
Initial rate
2.19%then 4.49% (variable)
Fees
£1,543fees
Overall cost
4.2%APRC
Monthly cost
£693.06 for 24 months then £873.48 (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% 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 £259,258 includes: Loan amount (£160,000); Interest (£97,715); Booking fee (£150); Application fee (£849); 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
2.19%then 4.49% (variable)
Fees
£1,543fees
Overall cost
4.2%APRC
Monthly cost
£693.06 for 24 months then £873.48 (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% 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 £259,258 includes: Loan amount (£160,000); Interest (£97,715); Application fee (£999); 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.

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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