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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.
The LTV (or loan-to-value) of a mortgage refers to the amount of loan you’re looking for in relation to the value of the property. It reflects the proportion of the property that’s mortgaged and the part that’s yours (also known as your equity), and is always written as a percentage figure.
So, if you were seeking a mortgage at 85% LTV, you’d have a loan that’s worth 85% of the value of your property. Effectively, this means that 85% of the property will be mortgaged, and you’d own 15%.
The figure also determines the deposit you’ll need. A mortgage at 85% LTV would mean you’d need to put down a deposit of 15%, whereas if you sought a mortgage at a lower or higher LTV, the deposit requirements would change accordingly.
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