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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, or loan-to-value, is a percentage figure which reflects the amount of loan you’re looking for in relation to the value of your property. It specifies the proportion of the property that’s mortgaged and the amount that’s yours (or the amount of equity you’ve got), so a mortgage at 90% LTV will mean that 90% of the property will be mortgaged, and you’ll have equity of 10%.
The loan-to-value of a mortgage also determines the deposit you’ll need, so if you were to apply for a loan at 90% LTV, you’d have to put down a deposit worth 10% of the value of the property. The requirements change depending on whether you were seeking a mortgage at a lower or higher LTV, with first-time buyers or those without significant savings typically seeking higher-LTV mortgages.
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