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Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written
quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18.
All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.
LTV, otherwise known as loan-to-value, is a percentage figure that reflects the amount of mortgage you’re looking for in relation to the value of a property. It specifies the percentage of the property that’s mortgaged and the part that’s yours, so a mortgage at 80% LTV will mean you’ll have a loan that’s worth 80% of the property’s value, while you’ll own (or will have equity of) 20%.
It also specifies the amount of deposit you’ll need (or vice versa), so if you had a mortgage at 80% LTV, you’d need a 20% deposit. Conversely, the amount of deposit you’ve saved can also determine the LTV you’ll need, depending on the value of the property you’ve chosen.
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