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Vernon 2 year discount
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
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
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.
Clydesdale Bank 2 year fixed
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
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
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
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
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
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
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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