Product focus: 90% LTV five year fixed mortgages - Mortgages - News - Moneyfacts


Product focus: 90% LTV five year fixed mortgages

Product focus: 90% LTV five year fixed mortgages

Category: Mortgages

Updated: 17/12/2012
First Published: 15/02/2012

This article was correct at the time of publication. It is now over 6 months old so the content may be out of date.

The number of mortgage products that require a deposit of 10% or more has steadily increased over the past year. This time last year there were 214 90% loan-to-value products, compared to 343 today, which is good news for first-time buyers.

Here is a selection of some of the best five year fixed rate deals with a 90% loan-to-value.

Chelsea Building Society

  • This five year deal offers a rate of 4.69% to 31 March 2017.
  • The maximum loan-to-value is 90% and purchase and remortgage customers can borrow between £75,000 and £500,000.
  • A fee of £1,495 is payable.
  • There is also the option to make overpayments of up to 10% of the mortgage advance.


  • This five year product from HSBC offers a rate of 4.89% to 31 May 2017.
  • The maximum loan-to-value is 90% and customers can borrow up to £400,000.
  • A fee of £599 is payable.
  • Remortgage customers can enjoy free legal fees and all borrowers have the flexibility to make overpayments is they wish.

Leeds Building Society

  • This deal offers a purchase and remortgage borrowers a rate of 4.94% to 28 February 2017.
  • The maximum loan-to-value is 90% and a fee of £999 is payable.
  • Overpayments of up to 10% of the outstanding balance can be made.
Find the best mortgage for you - Compare fixed rate mortgages

Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.

Related Articles

Londoners could be saving for a century to buy

We all know how expensive property can be in London and how tricky it is to get on the ladder, but the figures could still come as a shock, with a study finding it could take more than a century for the typical Londoner to save a deposit.

85% of remortgagors benefit from lower rates

Mortgage rates are among the lowest ever recorded, and in the case of fixed rates, they just keep falling! This means it’s never been cheaper to fix your mortgage rate for the long term, and unsurprisingly, remortgagors are taking advantage.

Does your mortgage lender owe you money?

Earlier this week, the financial watchdog revealed that hundreds of thousands of mortgage holders could have been overcharged by their lender. Are you one of the many who could be in line for a windfall?