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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 It is now over 6 months old so the content may be out of date.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 Any products featured may be withdrawn by their provider or changed at any time.

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