75% LTV Mortgages

Compare 75% LTV Mortgage Deals

Latest Deal - NatWest 2 Year Fixed Rate »

Call FREE - 0800 158 2934 

1.42%Reverts to 3.75% after 2 years
  • 2 Year Fixed - 75% LTV Deal
  • Call FREE - 0800 158 2934


Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.33%

Reverts to 3.75%

2

Years

75%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Fixed

1.33%

Reverts to 3.75%

2

Years

75%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Tracker

1.82%

Reverts to 3.75%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

2.01%

Reverts to 3.75%

5

Years

75%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

2.01%

Reverts to 3.75%

5

Years

75%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.
Fixed

2.69%

Reverts to 3.69%

10

Years

75%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


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

Top 5 Mortgage Deals

Find a selection below of top mortgage deals - from selected UK lenders:

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.19%

Reverts to 3.75%

2

Years

60%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.
Fixed

1.37%

Reverts to 4.24%

3

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.
Tracker

1.59%

Reverts to 3.75%

2

Years

60%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Tracker

1.82%

Reverts to 3.75%

2

Years

75%

YesMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

1.73%

Reverts to 3.75%

5

Years

60%

YesMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


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

75% LTV Mortgage Deals

The loan to value ratio of a mortgage indicates how much of your property you own outright (covered by your deposit, and commonly known as equity) and the amount you are borrowing (covered by your mortgage), expressed as a percentage. Therefore, a 75% LTV mortgage means that you are borrowing three quarters of the value of the property. For example, if you were to buy a property worth £500,000 on a 75% LTV mortgage, you would pay a deposit of £125,000 and borrow the remaining £375,000 in the form of the mortgage. To compare top mortgage rates and find the best 75% LTV mortgage deals for you, use the mortgage calculator to search over 5,000 mortgage deals based on your personal circumstances.

 

What is the Loan-To-Value ratio (LTV)?

The loan to value ratio of a mortgage indicates how much of your property you own outright (covered by your deposit, and commonly known as equity) and the amount you are borrowing (covered by your mortgage), expressed as a percentage. Therefore, an 75% LTV mortgage means that you are borrowing four fifths of the value of the property. For example, if you were to buy a property worth £500,000 on an 75% LTV mortgage, you would pay a deposit of £100,000 and borrow the remaining £400,000 in the form of the mortgage. To compare top mortgage rates and find the best 80% LTV mortgage deals for you, use the mortgage calculator to search over 5,000 mortgage deals based on your personal circumstances.

 

Who is eligible for an 75% LTV mortgage?

An 75% LTV mortgage means that you are moving towards the higher end of the mortgage LTV spectrum, and while this can make getting a mortgage more affordable and realistic for those who don’t have a substantial deposit, it does mean missing out on the best low rate deals such as those offered for 50% and 60% LTV mortgages.. However much or little you wish to borrow, there are certain criteria that you will need to fulfill in order for your application to be successful.

 

If you apply for an 75% LTV mortgage, lenders will consider criteria such as:

Your earnings - Do you earn enough to borrow the amount you want?

  • The stability of your income
  • Are you self-employed or new in a job?
  • Your outstanding debts - How much debt do you have?
  • Your credit rating
  • Have you ever missed a mortgage payment or other repayment in the past?
  • Do you have any County Court Judgments (CCJs) against you? Have you even been bankrupt?

 

How much will an 75% LTV mortgage cost?

A mid-range LTV mortgage, such as an 75% LTV mortgage, will generally be cheaper than mortgages with the highest LTV. Mortgage lenders generally offer better rates for people who have a significant deposit, or equity in their current home, to put towards the purchase value of a new property. There are various interest rate options available, including:

  • 75% LTV fixed rate mortgage - your interest payments are fixed for a set period of time (usually several years) after which you will be moved on to another rate
  • 75% LTV standard variable rate mortgage - your interest will vary with your lender's mortgage rate
  • 75% LTV tracker mortgage - your interest rate will move up or down by tracking an external rate, such as the such as the Bank of England Base Rate

 

To find the best 75% LTV mortgage deals, click on the tables above or call our mortgage team on 0117 332 6063.

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

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker